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- About Us

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• Glossary
• Información en Español
  
  - Introduction to Investing - Beginning - Five Questions to Ask Before You Invest Fees
• Asset Allocation
• Assessing Your Risk Tolerance
• Spending for Your Own
• Dealing with a Financial Investment Professional
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  1. Home.
• Introduction to Investing.
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  Main navigation
  
  - Save and Invest - Define Your Goals.
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• Understand What It Means to Invest
  
  - Public Companies. - Market Participants.
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  - How to Submit Comments to the SEC.
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  Real Estate Investment Trusts (REITs)
  
  What are REITs?
  
  Realty financial investment trusts (" REITs") permit individuals to purchase large-scale, income-producing genuine estate. A REIT is a company that owns and usually operates income-producing realty or associated assets. These may consist of workplace structures, shopping malls, apartments, hotels, resorts, self-storage centers, warehouses, and mortgages or loans. Unlike other realty companies, a REIT does not establish property residential or commercial properties to resell them. Instead, a REIT buys and develops residential or commercial properties mainly to run them as part of its own investment portfolio.
  
  Why would somebody invest in REITs?
  
  REITs offer a method for private financiers to make a share of the earnings produced through industrial realty ownership - without actually having to go out and buy industrial real estate.
  
  What types of REITs exist?
  
  Many REITs are signed up with the SEC and are publicly traded on a stock market. These are understood as publicly traded REITs. Others might be registered with the SEC however are not publicly traded. These are understood as non- traded REITs (also referred to as non-exchange traded REITs). This is one of the most important distinctions amongst the various type of REITs. Before investing in a REIT, you need to comprehend whether it is openly traded, and how this could impact the advantages and dangers to you.
  
  What are the advantages and risks of REITs?
  
  REITs offer a method to include genuine estate in one's investment portfolio. Additionally, some REITs may offer greater dividend yields than some other investments.
  
  But there are some threats, especially with non-exchange traded REITs. Because they do not trade on a stock market, non-traded REITs involve special risks:
  
  Lack of Liquidity: Non-traded REITs are illiquid investments. They typically can not be offered readily on the free market. If you need to sell a possession to raise cash quickly, you may not have the ability to do so with shares of a non-traded REIT. Share Value Transparency: While the market rate of an openly traded REIT is easily available, it can be tough to determine the value of a share of a non-traded REIT. Non-traded REITs generally do not supply a price quote of their worth per share until 18 months after their offering closes. This may be years after you have actually made your financial investment. As a result, for a significant period you might be not able to evaluate the worth of your non-traded REIT investment and its volatility. Distributions May Be Paid from Offering Proceeds and Borrowings: Investors may be drawn in to non-traded REITs by their reasonably high dividend yields compared to those of openly traded REITs. Unlike publicly traded REITs, nevertheless, non-traded REITs often pay distributions in excess of their funds from operations. To do so, they may use providing earnings and borrowings. This practice, which is generally not utilized by publicly traded REITs, minimizes the value of the shares and the money offered to the business to purchase extra properties. Conflicts of Interest: Non-traded REITs typically have an external manager rather of their own staff members. This can cause prospective conflicts of interests with shareholders. For instance, the REIT may pay the external manager substantial charges based upon the amount of residential or commercial property acquisitions and assets under management. These cost rewards might not necessarily line up with the interests of investors.
  
  How to buy and sell REITs
  
  You can buy an openly traded REIT, which is listed on a significant stock market, by purchasing shares through a broker. You can buy shares of a non-traded REIT through a broker that participates in the non-traded REIT's offering. You can likewise buy shares in a REIT mutual fund or REIT exchange-traded fund.
  
  Understanding charges and taxes
  
  Publicly traded REITs can be acquired through a broker. Generally, you can purchase the typical stock, chosen stock, or financial obligation security of an openly traded REIT. Brokerage costs will apply.
  
  Non-traded REITs are generally offered by a broker or financial adviser. Non-traded REITs normally have high up-front charges. Sales commissions and upfront offering costs typically amount to roughly 9 to 10 percent of the investment. These costs lower the value of the financial investment by a substantial amount.
  
  Special Tax Considerations
  
  Most REITS pay at least 100 percent of their taxable earnings to their shareholders. The shareholders of a REIT are responsible for paying taxes on the dividends and any capital gains they get in connection with their investment in the REIT. Dividends paid by REITs generally are dealt with as ordinary income and are not entitled to the lowered tax rates on other types of corporate dividends. Consider consulting your tax consultant before buying REITs.
  
  Avoiding scams
  
  Watch out for anybody who attempts to offer REITs that are not registered with the SEC.
  
  You can confirm the registration of both openly traded and non-traded REITs through the SEC's EDGAR system. You can also utilize EDGAR to review a REIT's yearly and quarterly reports in addition to any offering prospectus. For more on how to use EDGAR, please see Research Public Companies.
  
  You ought to also examine out the broker or financial investment adviser who recommends acquiring a REIT. To discover how to do so, please check out Working with Brokers and Investment Advisers.
  
  Additional information
  
  SEC Investor Bulletin: Real Estate Investment Trusts (REITs)
  
  FINRA Investor Alert: Public Non-Traded REITs - Perform a Careful Review Before Investing
  
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