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  - Introduction to Investing - Beginning - Five Questions to Ask Before You Invest
• Understanding Fees
• Asset Allocation
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  1. Home.
• Introduction to Investing.
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  - Save and Invest - Define Your Goals.
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• Understand What It Means to Invest
  
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  Real Estate Investment Trusts (REITs)
  
  What are REITs?
  
  Realty investment trusts (" REITs") enable individuals to invest in massive, income-producing genuine estate. A REIT is a business that owns and typically runs income-producing property or associated assets. These may consist of office complex, shopping malls, apartment or condos, hotels, resorts, self-storage centers, warehouses, and mortgages or loans. Unlike other realty companies, a REIT does not develop genuine estate residential or commercial properties to resell them. Instead, a REIT purchases and develops residential or commercial properties mainly to run them as part of its own financial investment portfolio.
  
  Why would somebody purchase REITs?
  
  REITs supply a method for private investors to make a share of the earnings produced through commercial property ownership - without really having to go out and purchase commercial realty.
  
  What types of REITs are there?
  
  Many REITs are signed up with the SEC and are openly traded on a stock exchange. These are understood as publicly traded REITs. Others may be signed up with the SEC but are not publicly traded. These are called non- traded REITs (also called non-exchange traded REITs). This is one of the most important differences amongst the different kinds of REITs. Before investing in a REIT, you must understand whether it is openly traded, and how this might impact the benefits and dangers to you.
  
  What are the benefits and threats of REITs?
  
  REITs provide a method to consist of realty in one's investment portfolio. Additionally, some REITs may offer greater dividend yields than some other financial investments.
  
  But there are some dangers, especially with non-exchange traded REITs. Because they do not trade on a stock market, non-traded REITs include special risks:
  
  Lack of Liquidity: Non-traded REITs are illiquid investments. They typically can not be sold readily on the free market. If you need to sell an asset to raise cash rapidly, you may not have the ability to do so with shares of a non-traded REIT. Share Value Transparency: While the market cost of a publicly traded REIT is readily available, it can be tough to determine the worth of a share of a non-traded REIT. Non-traded REITs usually do not supply a price quote of their value per share till 18 months after their offering closes. This might be years after you have actually made your investment. As a result, for a significant time duration you might be unable to examine the worth of your non-traded REIT investment and its volatility. Distributions May Be Paid from Offering Proceeds and Borrowings: Investors might be brought in to non-traded REITs by their fairly high dividend yields compared to those of openly traded REITs. Unlike openly traded REITs, however, non-traded REITs frequently pay circulations in excess of their funds from operations. To do so, they might use providing earnings and loanings. This practice, which is normally not utilized by openly traded REITs, minimizes the worth of the shares and the money available to the company to acquire additional assets. Conflicts of Interest: Non-traded REITs normally have an external manager rather of their own staff members. This can cause possible disputes of interests with shareholders. For instance, the REIT may pay the external supervisor substantial charges based on the amount of residential or commercial property acquisitions and possessions under management. These cost incentives might not necessarily line up with the interests of investors.
  
  How to buy and offer REITs
  
  You can purchase an openly traded REIT, which is listed on a major stock exchange, by purchasing shares through a broker. You can purchase shares of a non-traded REIT through a broker that takes part in the non-traded REIT's offering. You can also acquire shares in a REIT shared fund or REIT exchange-traded fund.
  
  Understanding costs 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 charges will use.
  
  Non-traded REITs are usually sold by a broker or financial advisor. Non-traded REITs typically have high up-front costs. Sales commissions and in advance offering generally total approximately 9 to 10 percent of the financial investment. These expenses lower the value of the investment by a considerable quantity.
  
  Special Tax Considerations
  
  Most REITS pay at least 100 percent of their taxable income to their investors. The investors of a REIT are accountable for paying taxes on the dividends and any capital gains they receive in connection with their financial investment in the REIT. Dividends paid by REITs usually are dealt with as ordinary income and are not entitled to the minimized tax rates on other types of business dividends. Consider consulting your tax advisor before purchasing REITs.
  
  Avoiding fraud
  
  Be cautious of anyone who tries to sell REITs that are not signed up with the SEC.
  
  You can validate the registration of both openly traded and non-traded REITs through the SEC's EDGAR system. You can likewise use EDGAR to review a REIT's annual and quarterly reports in addition to any offering prospectus. For more on how to use EDGAR, please see Research Public Companies.
  
  You must also have a look at the broker or financial investment adviser who recommends acquiring a REIT. To learn how to do so, please see Dealing 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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