Fundo de investimento imobiliário (reit)?
REITs, ou fundos de investimento imobiliário, sãoempresas que possuem ou financiam imóveis geradores de renda em uma variedade de setores imobiliários. Essas empresas imobiliárias precisam atender a uma série de requisitos para se qualificarem como REITs. A maioria dos REITs é negociada nas principais bolsas de valores e oferece uma série de benefícios aos investidores.
Investir em REITs pode adicionar alguma diversificação ao seu portfólio e dar-lhe acesso a rendimento passivo, liquidez e excelentes retornos a longo prazo. No entanto, os impostos podem ser mais caros com os REITs em comparação com outras opções de investimento, e ainda existem riscos envolvidos no mercado imobiliário.
Como não estão disponíveis publicamente e não são registrados na SEC, é difícil identificar mínimos de investimento específicos. No entanto, a empresa de investimentos Edward Jones dizos investimentos mínimos para REITs privados podem variar de US$ 1.000 a US$ 50.000.
# | Nome | C. |
---|---|---|
1 | Prologis 1PLD | 🇺🇸 |
2 | Torre Americana 2AMT | 🇺🇸 |
3 | Equinix 3EQIX | 🇺🇸 |
4 | Grupo de Propriedade Simon 4SPG | 🇺🇸 |
REIT | Rendimento de dividendos futuros |
---|---|
Blackstone Mortgage Trust Inc.(BXMT) | 12,1% |
KKR Real Estate Finance Trust Inc. | 13,5% |
Easterly Government Properties Inc. | 8,3% |
(O) | 5,5% |
Aqui estão algumas das principais desvantagens de investir em um REIT.Volatilidade do mercado: O valor pode flutuar com base nas condições económicas e de mercado. Risco de taxa de juros: alterações nas taxas de juros podem afetar o valor de um REIT.
Embora algumas ações distribuam dividendos trimestralmente ou anualmente,certos REITs pagam trimestralmente ou mensalmente. Isto pode ser uma vantagem para os investidores, quer o dinheiro seja utilizado para aumentar o rendimento ou para reinvestir, especialmente porque os pagamentos mais frequentes aumentam mais rapidamente.
Falta de liquidez – Depois de investir em um REIT privado,pode ser difícil sacar. Embora os REITs negociados publicamente permitam a venda de ações instantaneamente sempre que o mercado estiver aberto, o mesmo não acontece com os REITs privados.
Os REITs são altamente líquidos; se você precisar retirar seu dinheiro,você simplesmente vende suas ações em uma bolsa de valores.
Como a maioria dos REITs não negociados são ilíquidos, muitas vezes há restrições ao resgate e venda de ações. Embora um REIT ainda esteja aberto a investidores públicos,os investidores podem vender suas ações de volta ao REIT. Porém, essa venda geralmente tem desconto; deixando apenas cerca de 70% a 95% do valor original.
Por que não investir em REITs?
Na maioria dos casos, os REIT utilizam uma combinação de dívida e capital próprio para comprar um imóvel. Como tal, são mais sensíveis do que outras classes de activos às alterações nas taxas de juro, particularmente aquelas que utilizam dívida com taxa variável. Quando as taxas de juros sobem, os preços das ações dos REIT podem estar sujeitos à volatilidade.
Esperamos ver mais investidores institucionais utilizando REITs em 2023. Embora continuemos a sentir as réplicas e tremores da pandemia no próximo ano,estamos confiantes de que os REITs estão em terreno sólido.
Os REITs permitem que investidores individuais ganhem dinheiro com imóveis sem precisar possuir ou administrar propriedades físicas.Imóveis diretosoferece mais incentivos fiscais do que investimentos REIT e dá aos investidores mais controle sobre a tomada de decisões.
A maioria deles distribui dividendos trimestralmente.Existem alguns que pagam dividendos mensais, e menos ainda que valem a pena possuir.
Os indivíduos podem investir em REITs de diversas maneiras, incluindo a compra de ações de REIT negociadas publicamente, fundos mútuos e fundos negociados em bolsa. Os REITs também desempenham um papel crescente nos planos de investimento de benefícios definidos e de contribuições definidas.
No entanto, a empresa de investimentos Edward Jones afirma que os investimentos mínimos para REITs privados podem variar deUS$ 1.000 a US$ 50.000.
Historicamente, os REITs têm um bom desempenho durante e após as recessões| Pensões e investimentos.
Os REITs negociados publicamente oferecem aos investidores uma maneira de adicionar imóveis a uma carteira de investimentos ou conta de aposentadoria e ganhar dividendos atraentes.REITs negociados publicamente são uma jogada mais segura do que seus equivalentes não cambiais, mas ainda existem riscos.
A maioria dos REITs tem um modelo de negócios simples: o REIT aluga espaço e cobra aluguéis das propriedades, depois distribui essa renda como dividendos aos acionistas. Os REITs hipotecários não possuem imóveis, mas, em vez disso, financiam imóveis. Esses REITsobter renda com os juros de seus investimentos.
Dado que o investimento imobiliário pode acarretar elevados níveis de endividamento, o sector está sujeito ao risco de taxa de juro.Os índices D/E para empresas do setor imobiliário, incluindo REITs, tendem a variar de 1,0 a mais de 8,0:1.
Os REITs cobram uma taxa?
REITs não negociados geralmente têm taxas iniciais altas. As comissões de vendas e taxas de oferta inicial geralmente totalizam aproximadamente 9 a 10 por cento do investimento.
Esses REITs são registrados na SEC, mas não estão disponíveis em bolsa. Em vez disso, eles podem ser adquiridos de um corretor que participa de ofertas públicas não negociadas, como o corretor imobiliário online Fundrise. (Nareit mantém um banco de dados online onde os investidores podem pesquisar REITs listando o status).
REITs são investimentos imobiliários, então você precisa ter um horizonte de longo prazo e perceber queresultados trimestrais realmente não são tão importantes. No entanto, a maioria dos investidores negociará dentro e fora de REITs com base em resultados/notícias de curto prazo e perderá rapidamente a paciência se a sua tese não for concretizada dentro de alguns trimestres.
Os REITs geralmente devem ser considerados investimentos de longo prazo
Em muitos casos, isso pode levar cerca de 10 anos para ocorrer. E com REITs negociados publicamente que flutuam com o mercado de ações, Jhangiani recomenda mantê-los porpelo menos três anos.
Os investidores podem comprar e vender ações de REITs públicos a qualquer momento durante o horário de negociação. Com os REIT privados, por outro lado, os investidores poderão ter de esperar por um evento de resgate, que pode ocorrer trimestralmente ou anualmente, antes de poderem levantar o seu investimento. Além disso, os REIT privados podem cobrar taxas de resgate.
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