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Author: Jennifer

Hamilton Real Estate Investments

Artificial Intelligence making Real Estate Investment smarter, simpler.

Artificial Intelligence making Real Estate Investment smarter, simpler.

When Lucy Ainsworth saw that the real estate around her Toronto neighbourhood was booming, she knew that it was the right time to invest. But unlike her parent’s generation, the Senior Tax Associate did not ask a trusted local realtor, she simply went online. This generational change in approach, to seeking investment-related solutions has placed investors at the core of unmeasurable information and data. Thankfully Artificial Intelligence is here to rescue investors from the chaos of detailed analysis on innumerable investment opportunities available online by carefully connecting them to the best deals.

A booming real estate market and a thriving tech ecosystem have poised Canada to be a hub for real estate innovation where Artificial Intelligence led opportunities to guide investors as they build their portfolios. 

 

Artificial Intelligence (AI), in simple words, is the ability of a machine to learn and solve problems. AI has simplified the investor’s search process by connecting them to the right opportunities and bringing transparent access to reliable information on market trends, historic prices that were historically only available to agents.

Online real estate listings replaced newspaper advertisements long ago but the continual rise of AI is credited to its ability to process large data, predict trends, transparency, and most importantly ease of access to investors.

Process Data
Thanks to the world wide web, a few clicks can show thousands of properties,  attend or host virtual tours, review market trends and receive data but that doesn’t necessarily help in making the right decisions. Thankfully, the real estate industry has adapted to the digital era by using Artificial Intelligence to better match investors with opportunities. One might think that the old-fashioned realtors did the same, but platforms like BuyProperly have mastered machine learning and artificial intelligence tools to monitor and evaluate over two hundred thousand data points, that uncover high-value opportunities suited for each investor.

Predict Trends
It’s no surprise that real estate data represents a treasure trove of information for a keen investor. Local insights, key market trends, sale prices, demographics and other market data can all be used to browse through listings, but not predict the future of investments. AI has become a game-changer for real estate investing as its predictive real-estate analytics enables stakeholders to make better, more informed decisions when trying to assess property values and rental returns. Smarter AI models predict tenant churn, maintenance issues, building energy requirements, elevator usage in buildings as well as space utilization. This information gives a better idea of potential upcoming costs and issues.

Ms. Ainsworth’s financial planning now includes the returns from a beautiful house in Hamilton. ‘I had been interested in owning investment property for a while, but the barriers to entry felt insurmountable. Enter BuyProperly, the company that makes it possible for “the little guy” to get started. It was so easy to research the properties available on the website, create an account, and buy into the real estate market, and at an entry price point that feels safe. No need to bet the farm on a single investment!’ she said.  Read more about the Hamilton Property here.

New tools can combine a company’s data with third-party sources to gain insights into new strategies for existing properties or portfolios or identify additional markets or locations for investment opportunities.

Transparency
Traditionally, the real estate market has been dominated by brokers, and information about high-yield investments was made available to a select few.  Latest AI-powered platforms bridge the gap by aggregating once isolated data, constantly updating information to arm investors with all the information they need. This approach allows websites to better match users to their properties and investment units that are more likely to convert into sales.

Ease of access
Investors can now access information on potential rental earnings, net cash flow, expected monthly mortgage payments and decide on whether the return makes sense given the details of the property. Websites like BuyProperly provide free tools which can indicate the potential cash flow/ positive negative from investments in a given property based on past sales, potential rental value, and interest rates. AI models work with the assumption that house prices are a function of both the features of the house and the suitability of the neighbourhood and hence focused on intrinsic value (rather than the market sentiment).

Innovative solutions to Pandemic
The impact of AI across industries has been increasing over the past few years, however, Covid-19’s disruption was a crucial flip to the digitization of real estate companies and their use of digital data analytics. With restrictions on travel and physical tours, technology simplified all phases of the process from origination, analysis & due diligence, financing & closing, post-closing rental/ongoing maintenance, and finally to exit through the sale with the investor safe in his own home.

PWC Canada’s 2021 report on the, ‘Emerging trends in Real Estates’ stated that as the business continues to emerge from pandemic restrictions, proptech will offer additional solutions for real estate needs. The report stated that ‘With digitization giving real estate companies access to more data than ever, they have a powerful new tool to help them make important business decisions…data analytics and predictive modeling can help with the determination of optimal asset allocation for mixed-use developments at a high level, as well as provide more detailed insights into the composition of unit mixes for a property.’

Buy Property, Properly
Every real estate investment needs to consider a multitude of dynamic factors, but through the power of AI, it is possible to identify emerging trends and uncover opportunities that others don’t see. ‘Thousands of data points and factors are considered over the long term before we consider a real estate valuation using AI. We then physically inspect each nook and corner of the property. Finally, less than 1 percent of the properties get qualified for our marketplace,’ said Khushboo Jha, founder of Buy Properly Canada-based real estate investment firm. BuyProperly’s proprietary AI tracks the markets, monitoring hundreds of economic and regional factors before predicting the profitability.

BuyProperly, Canada based fractional investment company uses AI as its most reliable tool for initial screening and then audits each property. ‘I am often asked how am I confident about the growth of investments, truth is that no human can assess over 150 variables and 200,000 data points for each proposal, but AI can. We merge the predictive power of AI and the experience of our on-site team so that before any product is added to the marketplace, we are certain of its future,’ Jha added.

BuyProperly’s online marketplace shows qualified properties with clear details of fees, charges, risk, and projected returns. Simply choose properties from the marketplace and start investing with as little as $2,500.

in Editorial Posted by Jennifer

How to Invest in Real Estate Without Fear of Rejection

How to Invest in Real Estate Without Fear of Rejection

The Canadian real estate market is hot – and you want in. But you know there can be many hoops to jump through before you score the investment property of your dreams. And one of the last, most frustrating hoops is making an offer…only to have it rejected, Unfortunately, that happens a lot.

Reasons for rejection

Putting in an offer on a property that you worked hard to find and having it rejected can be tough to take. Perhaps there was a counteroffer, but a rejection by the seller may catch you by surprise. Why would your offer be rejected? Here are the most common reasons:

  1. Your offer was too low

Many sellers would counter a low-ball offer in hopes of driving the price higher. But some sellers may just throw out that low offer altogether, especially if they hear of other buyers willing to go higher. And if your offer was very low, and insulted the seller may be unwilling to entertain it at all.

2. Your finances are weak

These days, sellers want to make sure that prospective buyers are at least pre-approved for a mortgage to finance the purchase. If you haven’t spoken with a mortgage specialist yet, there’s no way for the seller to verify whether or not they’re wasting their time with your offer. Instead, they’ll be much more willing to accept an offer from a buyer whose finances are already in order.

3. Your deposit was too small

While your purchase price is a key component of your offer, the seller will also consider the size of your deposit. A large deposit shows the seller that you are financially strong: capable of supporting a home purchase. A small deposit looks weak and could scare off the seller.

4. Your closing dates don’t line up

Matching closing dates help smooth real estate transactions. For instance, sellers who have already bought a new property may want a short closing date so they’re not stuck with two mortgages. Or perhaps the seller has yet to find another home and doesn’t want to risk having anywhere to go. In this case, the seller may want a longer closing date. Either way, if your proposed closing date doesn’t align with the seller’s needs, your offer may be rejected.

5. The seller maybe unwilling to compromise

If the home inspection reveals issues with the property, you may request to have the seller make repairs. But if the seller is unwilling to put in any more work on the home before selling and you can’t reach a compromise, your offer may be rejected.

Aside from the outright rejection of your offer, there are other difficulties that you can encounter in a competitive market, such as bidding wars. But the biggest hurdle to investing in real estate is money. These days, real estate prices are through the roof, especially in certain cities. Many would-be investors simply don’t have the financial means to get started, especially if they are buying a property on their own.

Fortunately, there are other ways to get a foot in the door – even with minimal capital – including “fractional” investing.

Fractional investing in real estate 

In fractional investing, several parties purchase the property: each has its own share and each assumes its share of the risk. For instance, if a property sells for $500,000 and you put in $10,000, you own 2% of that property.

Unlike full ownership, fractional ownership allows investors to diversify their portfolios, reducing risk while getting access to high-value assets. It also eliminates many of the hassles: searching for properties, putting in offers, managing tenants, and maintaining the property.

Who offers fractional investment?

Fractional investing reduces the barriers to entry for investors just starting out in the real estate market. But where can you find these investment opportunities?

BuyProperly is an online platform for fractional real estate ownership: it gives investors with limited capital – as little as $2,500 – the chance to buy into a property without the headaches that usually come with being a landlord.

The expert team at BuyProperly thoroughly vets the high-value, high-growth, buy-to-let properties available for investment. And BuyProperly’s local property managers handle “landlording,” hassles: maintenance, improvements, tenant searches, rent collection…..

Investors can earn monthly rental dividends while watching the property value grow over time. If or when the property is eventually sold, all the investors can capitalize on the increase in equity.

Benefits of fractional ownership 

There are plenty of reasons why investors — particularly beginners with minimal capital or experience — might want to go the fractional investment route:

  • Minimum capital needed. Traditional real estate deals require tens of thousands of dollars (or more); fractional investing requires as little as a couple of thousand dollars to get started.
  • Increased diversification. Adding a real estate property to your investment portfolio is a great way to help you hedge against risk.
  • High return potential. Real estate is known to increase in value over time: this can help increase your returns, especially as renters help pay the mortgage.
  • Asset tangibility. Unlike stocks, real estate is a real-world asset, which can offer both growth potential and intrinsic value.
  • Tax breaks. When the property is eventually sold, you’ll get taxed only on capital gains, rather than having your entire return taxed as income.

 

How do you earn returns with fractional ownership? 

Like any other type of real estate investment, fractional ownership pays out in two ways:

  • Through rental income. Depending on how much you invest and your exact share in the property, you’ll collect rental income relative to your share.
  • Profit when the property is sold. Over time, the property will likely increase in value, which helps add to your equity in it. You’ll be able to recover your initial investment, plus your share of any profits.

 

 

Should you invest with BuyProperly?

 

If you’re interested in investing in real estate but haven’t yet, because of done so because of all the hurdles, BuyProperly may offer a solution.

In particular, BuyProperly may be an ideal investment platform for those who:

  • Want to invest a modest amount of money
  • Want to avoid managing the property and dealing with tenants
  • Want to diversify their investment portfolio
  • Want help choosing the right property to invest in

 

Our final thoughts

There are plenty of benefits to investing in real estate: passive income, regular cash flow, tangible assets that grow in value, investment diversification, and tax advantages. But getting involved in real estate investment can be tough for many. BuyProperly makes getting your foot in the door is much easier. You can start investing with as little as $2,500 and see potential annual returns of 10–40%. And you can kiss that fear of rejection goodbye.

in Editorial, Thought Leadership Posted by Jennifer

Investment and Wealth Basics: Real Estate edition

Investment and Wealth Basics: Real Estate edition

Congratulations! If you’re reading this, chances are, you are currently saving enough money to start thinking about investments that work for you. Putting your money in the right place can help you get everything you’ve ever wanted: A beautiful house, early retirement, complete financial security for your family, and much more. You can either save your money or invest it in assets that you think will generate great returns. The latter, of course, is subject to several market risks but is saving as safe as it looks? Not quite. Dormant cash is prone to risks and it is nearly impossible for it to generate wealth. In the long run, the little interest that it could generate sitting in your bank account can cost you more money than it makes.

Why invest at all?

If the only way you can expect to earn from your savings is by putting them in a bank account -then we are happy that you are reading this. Let’s say you put $10,000 in a bank account that offers an annual interest of 3%(if at all!). By the end of the first year, you can expect to have $10,300. However, as per the current inflation rate (3.7%), something priced at $10,000 right today would cost $10,370 in a year, this means that you essentially earned $300 on your savings but still lost on purchasing power. This simple comparison highlights an extremely important relationship between inflation rates and interest rates offered by banks.

Source – Statista

Inflation eating into important savings like pension/retirement funds, college funds, emergency healthcare funds, etc., is a common occurrence. Before you realize it, you end up with less buying power than what you started with, thereby putting your financial future in jeopardy. However, Good investments ensure financial security through wealth creation, which in turn gives you the freedom to live your life to the fullest.

 

Investing in Canada

Simply put, Canada’s proximity to the U.S and numerous free trade agreements give Canada substantial power in world trade. Some of the largest Fortune 500 companies based out of the U.S (and even Europe, in some cases) have been choosing Canadian cities as ground zero for establishing their R&D hubs. With industry and immigration both converging, it is no wonder that real estate has seen unprecedented growth over the past few years.

As for the Canadian economy, it is expected to fully recover from the Covid slump within the next few months. The Government’s decision to lower the threshold for Foreign Direct Investments in 2021 has also massively helped this recovery. With a rock-solid economy and booming real estate market, Canada currently presents an incredible market opportunity for young investors.

Canada Investment Options

 

1. Buying a house

 

In a booming economy, real estate is an incredibly fruitful asset in terms of long-term investments and rent is one of the oldest, most trusted methods of generating passive income. Even if you aren’t looking for a rental property for investment, you can always look for a second home that would appreciate in value over time.  Almost every Real Estate option turns out to be a great asset if the neighbourhood and setting are correct.

2. REITs

REITs or Real Estate Investment Trusts are also a great option to explore as they allow you to invest in real estate without having to purchase different plots/houses. REITs are generally considered to be low-risk, high-yield investment options but these are long-term investment options. Any money you put in a REIT would have to be money you’re okay with not seeing for at least the next five years.  Another major drawback is that REITs give you no power to choose where you would like to invest – this lack of transparency is a major drawback.  The different types of REITs you can invest in are :

  • Equity REITs: These are funds that own and manage income-producing real estate. A part of the profits is naturally funneled back to the shareholders, who are free to cash out or reinvest it. Contrary to popular belief, equity REITs make most of their money through rent and not reselling acquired properties.
  • Mortgage REITs: As the name suggests, mortgage REITs lend money to real estate stakeholders directly (through loans) or indirectly by investing in mortgage-backed securities. (If that term sounds familiar, it’s because you have most probably come across it before while reading about the USA’s 2008 housing crisis!). These REITs mostly earn through net interest margin on hundreds of loans, which means they’re directly dependent on interest rates.
  • Hybrid REITs: These REITs (usually the largest) are simply funds that use both equity and mortgage-backed methods to make money. Hybrid REITs are considered to be the safest because of their diversified nature.
Source: https://static.seekingalpha.com/uploads/2020/8/11/1723581-1597191897564591_origin.png

 

Investing as a beginner

As a beginner, it can be challenging to navigate the complex world of real estate investment. The legal and technical jargon attached to most Real Estate investment options discourages investors from exploring them. Further, it takes up a sizable amount of your time and money to regularly manage these investments. But there‌ ‌is a better‌ ‌way‌ ‌to‌ ‌invest‌ ‌in‌ ‌property‌ ‌without‌ ‌taking‌ ‌out‌ ‌a‌ ‌huge‌ ‌mortgage‌ ‌fee‌, ‌paying‌ ‌a‌ ‌fee‌ ‌to‌ ‌the‌ ‌realtor or locking it away in a REIT.‌ ‌ With Fractional Real Estate Investing you are on your way to saving enough for buying your own home sooner than you thought and that too with no entry barrier and no hassle of maintenance or tenants – that is what BuyProperly does!

Fractional Real Estate Investment

BuyProperly provides the benefits of real estate investments’ high returns for everyday investors, without any barriers, pre-approval or hassle. They turn high-yield real estate into easy-to-invest opportunities, giving you the chance to grow your wealth in a quick and easy manner.

Unlike the traditional model of real estate investment, with BuyProperly you know that you are owning a slice of a high-yield property as our proprietary AI analyzes hundreds of factors and evaluates over 500 million data points to identify trends and uncover high-value deals to generate the highest returns for you. Also, we purchase and manage the real estate assets for you so you enjoy being a landlord without the usual headaches that tenants and maintenance bring. We also help eliminate the hassle that landlords often face in managing a property.  Contact info@buyproperly.com to know more about their best-in-class platform.

in Editorial, Thought Leadership Posted by Jennifer
Grow Your Wealth

Grow Your Wealth While Managing The Risks With Diversification

Grow Your Wealth While Managing The Risks With Diversification

Introduction

Every investment carries some amount of risk. Since markets can be volatile and unpredictable, diversifying your portfolio helps maximize returns over the long term as well as better protect yourself against unexpected market downturns.

This article will talk about what diversification is, its importance, and how you can diversify your investment portfolio. Moreover, we will also shed some light on the benefits of illiquidity and how real estate investments can help you enhance your returns.

Let’s get started!

Diversification: Why It’s Crucial for Your Portfolio?

Diversification is the most crucial step in risk management. It is the investment technique of holding unrelated investments across asset classes that react differently to social and economic events.

Diversification is a technique that is crucial for investors to reach their long-term goals as it enables them to hedge against unsystematic risk and build wealth over a period across different asset classes. Using diversification, an intelligent investor reduces the risk by planning carefully and allocating funds across various asset classes.

For instance, in a growing economy, stocks generally outperform bonds. However, when market conditions change, bonds hold their value, whereas stock prices tumble. Thus, if a smart investor diversifies their investment portfolio and holds both stocks and bonds, they can reduce their overall exposure to such change in market conditions and mitigate the risks of their portfolio taking a big hit.

Investment Portfolio Diversification: How to Achieve it?

An investor can diversify their portfolio by using the asset allocation strategy, which involves selecting a combination of investments based on the investors’ risk profile, financial goals, and time horizon.

Each asset class available to investors have different risk-reward ratios, and thus, each performs differently in varying market conditions. For instance, while stocks are more volatile and risky in comparison to bonds, they also offer the potential for higher returns.

Some of the standard asset allocation classes include the following:

  • Equities (Stocks and ETFs)
  • Fixed Income Bonds
  • Real Estate
  • Gold
  • Cryptocurrency
  • Collectables
  • Cash and cash equivalents

Diversified Portfolio Example

Source: Cary Stamp & Co.

While diversification is essential, it’s equally important not to over diversify. The best way for an investor to do so is to keep their portfolio at a manageable level that varies for each investor based on their financial goals and risk profiles. For instance, avoiding diversification for some investors could mean only holding six assets in different industries that they are confident about. Whereas, for others, it could mean avoiding investment in certain asset classes that they don’t understand, just for the sake of diversification.

The Benefits of Illiquidity

Liquidity refers to the ease with which an asset can be converted to cash and cash equivalents without losing market value. In general, it is seen that liquid assets such as stocks are more volatile in nature. Thus, to capture the benefits of illiquidity, long-term investors may prefer allocating funds towards illiquid assets.

Typically, illiquid assets have a low correlation to the broader stock market, and thus, they are less volatile in nature, and their value remains stable over a more extended period. As a result, such investments are considered low beta investments that are less risky but offer lower returns. As a result, such investments help minimize portfolio losses when the market sees a downturn.

How to Enhance Portfolio Diversification Using Real Estate

Real Estate Investment is the process of purchasing property to either rent it out or sell it to make a profit. As an asset class, real estate is mainly used for diversification purposes and has helped investors amass generational wealth.

Diversifying your portfolio by investing in real estate offers the following benefits:

  • Long-term stability – Real estate market is seen as one of the most stable financial markets. Thus, real estate investment is considered to be a less volatile and stable long-term investment opportunity.
  • Usability – Real estate is a tangible asset that investors can use for renting out or for personal use. For example, real estate bought for diversification purposes can be rented out and used to generate additional income.
  • Mitigating Risks – Real estate is an illiquid asset and thus, is not highly correlated to the stock market. Hence, many investors use real estate to hedge their risks against more volatile assets in their portfolios.
  • Tax Benefits –  Governments in many countries offer tax benefits on real estate investment to promote the sale of properties in the country and boost the economy.

Additionally, there are many different ways through which investors can invest in real estate. They are as follows:

  • Real Estate Investment Trusts (REITs) – REITs enable investors to invest in real estate even with small amounts of money. Shares of REIT stocks can be bought and sold in the market just like any other publicly listed company.
  • Crowdfunding Real Estate Platforms – These online platforms let investors take a more hands-on approach and invest in specific real estate development projects.
  • Investing in Rental Properties – Purchasing rental properties enables investors to add an alternative source of cash flow and earn some additional monthly income.

Important Questions to Ask About Your Portfolio Diversification

To diversify your portfolio successfully, an investor first needs to understand the fundamentals of diversification and ask the right questions to evaluate how these fundamentals apply to their specific portfolio.

Here are some critical questions about your portfolio diversification to evaluate your diversification strategy and make more informed choices.

  1. What is my risk tolerance? – This changes according to investment objectives and time horizon. Each asset class has different risks. Hence, investors must choose an asset class that is suitable to their risk tolerance.
  2. What is my risk-adjusted rate of return? – This question answers how well you are being compensated for the amount of risk you’re taking.
  3. How many asset classes should I invest in? – While diversifying your portfolio, it’s important to look for a wide range of asset classes.

Closing Thoughts

As an investor, to achieve your long-term financial goals, you need to balance your risk and reward. Diversification allows you to choose a mix of assets that reduce the risk of losses in the market. Thus, it’s essential to find the right balance between risk and return and select a mix of assets that can help you achieve your financial goals while limiting your exposure to unsystematic risks.

in Editorial, Thought Leadership Posted by Jennifer
How much money will you need to retire?

Here’s How Much Money You Need When You Retire

Here’s How Much Money You Need When You Retire

Surely you have made some plans for your next vacation, listed the locations, browsed the options and estimated the costs but have you considered saving for your retirement? Most millennials might shrug it off as a stage that will appear in a few decades but that’s why you need to ask yourself a few questions – how much do you need to retire at 50/60 or 70? How do you know if you are financially ready for retirement and how can you invest for the future without being stingy about your present. You are not alone, 64% of Canadians think they won’t be able to save enough for their retirement. Yes, it is shocking but there is a cure – plan ahead and start investing your savings as soon as possible!

This article will help you determine how much money you need for retirement in Canada. We will also explain the benefits of investing early. Let’s get started.

How Much Money Do I Need To Retire?

Here are some questions to help you determine the retirement income you need:

  • When do I want to retire? – It’s simple math; the earlier you want to retire, the more you’ll have to save every year. However, things like life expectancy and general retirement age play a vital role in this equation. For instance, you might want to retire early at 50 but the average life expectancy is 75 years. In such a scenario, you will have to save 25 years’ worth of retirement funds.
  • Where do I want to live after retirement? – Whether you dream of spending your retirement by the beach or living in the city also determines how much you need. This is because the expenses needed to maintain the property where you live change according to the location.
  • What will my expenses be? – The general rule of thumb is that you will need 70-100% of your current income to maintain a similar lifestyle post-retirement. However, this can change based on the lifestyle you want to maintain in your retirement days. For example, you might want to slow down and live a simple life. In that case, you would need less than 70-100% of your current income.
  • How much income will I generate? – Perhaps the most critical question to answer is how much money you’ll be able to earn after retiring. Knowing this figure will help you stay prepared and develop a plan that caters to all your desires.

50% of millennials think they need $300,000 or less to retire in comfort. In reality, that figure could be much higher or much lower. The 70 percent replacement rate is a typical rule of thumb to estimate how much money they need for retirement. Even then, it’s essential to always have more for emergencies and personal requirements because consistent investments of savings can give you the freedom and control to live life exactly how you want.

As per the Canadian Pension Plan(CPP), one of the Canadian citizens’ main retirement income programs, the average Canadian Pension Plan retirement payout person is approximately $8,500. If you meet the CPP criteria, the maximum monthly payout for CPP that you can expect to earn is $1,203.75, whereas on average, the payout has been $736.58 in 2021.

While the retirement income generated through CPP helps increase your retirement funds, it’s not enough. Thus, it’s essential to plan for retirement without banking on the CPP income and using it as an emergency fund in case things don’t go as you had planned. If you want a more specific figure based on your particular requirements, you can also consider using a retirement calculator. 

Why You Should Start Investing Early

While the figure might vary based on requirements and circumstances, you cannot rely entirely on your salary to save a substantial amount of money for retirement. This is because one cannot build wealth merely by earning an income. Instead, to amass a significant amount of money, you need to make money work for you through active and passive investing.

When you start investing early, you can enjoy the following benefits:

  • Compounding – With the help of compounding, you can make your money grow faster as you earn interest on your savings and the interest that you’ve earned.
  • More savings – By investing early, you can develop a habit of saving more and investing your savings. The more you invest, the more returns you’re able to get in the future. Moreover, by developing the habit of saving, you can also learn how to cut down on unnecessary expenses and use those funds for investing.
  • Time value of money – The time value of money increases over a period as investing early leads to compounding returns. At the time of retirement, these early investments can reap huge benefits.
  • Understanding finances early – By investing early, you enter the world of finance at an early age and have more time to learn and improve your investment skills and knowledge.
  • Regular investments and Diversification – You don’t need to look for shortcuts to get rich quickly since you have time on your side. You can follow tried and tested practices such as portfolio diversification and investing regularly to build your wealth over decades.
  • More ability to take risks – When you start early, you don’t have much to lose. Hence, you’re able to make more risky investments, and as the old saying goes, ‘more the risk, more is the reward.’ Thus, by taking more risks, you can also increase your chances of earning exponential returns.
  • Supporting your retirement plans – By saving for retirement from a young age and investing early, you also increase your chances of reaching financial stability when you’re young. Early investments will boost your retirement funds, and you’ll be able to lead a happier life post-retirement.

Conclusion

While ‘how much money do I need to retire’ is a simple question, the answer is quite complicated. When it comes to determining how much money is needed for retirement, no one size fits all. As everyone has different needs and wishes, every retirement is not the same, and hence, it’s vital to plan accordingly.

Many millennials struggle to make sound financial decisions at an early age. If you’re looking to achieve your long-term financial goals to support your financial plans, feel free to contact info@buyproperly.com. BuyProperly enables millennial investors to build their portfolios with the best real estate investment opportunities in a hassle-free and secure manner.

in Editorial, Thought Leadership Posted by Jennifer

With AcreageWay, Now You Can Invest In The Soaring Commercial Real Estate Market With As Little As $1,000

With AcreageWay, Now You Can Invest In The Soaring Commercial Real Estate Market With As Little As $1,000

Rising prices have locked many Canadians out of the real estate market — and the wealth gains that come with ownership.

“For too long, real estate has been behind closed doors and not accessible to everyone,” says Joe Accardi, Partner & CEO of Forge & Foster. “We want to bring real estate to all Canadians. And so does AcreageWay. Their new investment portal is something that we’re really excited about.”

What is AcreageWay?

AcreageWay is a new Ontario-based commercial real estate investment startup. It lets investors like you enter the commercial real estate market with as little as $1,000 and earn income from your investment.

“Commercial real estate requires a huge amount of upfront cash to gain entry, and that ranges from $500,000 to $1 million-plus, so a common investor who doesn’t have that much cash won’t be able to enter these opportunities,” AcreageWay president Aditya Koparde told the Globe and Mail. “Where we come into the picture is we’re fractionalizing these opportunities so they can invest.”

“For too long, real estate has been behind closed doors and not accessible to everyone.”

— Joe Accardi, Partner & CEO of Forge & Foster. 

AcreageWay lets you click to buy a percentage of a commercial property by investing in an equity portion of the property ownership.

AcreageWay provides a secure and regulated platform for you to buy fractional real estate in the form of tokens. All the transactions are documented and stored digitally through Blockchain technology.

What Are AcreageWay’s Main Benefits?

  • Investors do not need to get a mortgage
  • Investors do not need to pay a huge down payment
  • None of the pain of managing a property or being a landlord
  • No closing costs
  • You’ll get a share of rent and gains on the property when it’s sold
  • AcreageWay provides you with ongoing oversight and support
  • Every investment property undergoes a detailed due diligence process

AcreageWay is licensed by the Ontario Security Commission, which requires the company to put prospective investors through full due diligence to ascertain their risk threshold to determine their suitability for certain projects.

Why Invest In Commercial Real Estate in Hamilton?

“Hamilton is a high-speed, exciting, electric city that is primed to have an amazing decade,” says Accardi, whose Hamilton firm is committed to delivering optimal returns to investors by artfully restoring local real estate.

Properties like 64 Hatt St., which you can invest in on AcreageWay, offer tremendous upside potential through redevelopment.

64 Hatt St. in the Hamilton community of Dundas.

The Millworks at 64 Hatt St. was founded in 1850. It’s an easy two-minute walk away from the historic and beautiful downtown Dundas community in Hamilton. All units boast brick & beam construction, large windows, and open-concept designs.

This historic brick & beam building has excellent accessibility with a Walkers Paradise Walk Score of 90. The property is professionally managed by Forge & Foster. With onsite parking and access to a back patio on the beautiful Spencer Creek, 64 Hatt St. is sure to attract AAA tenants.

HERE’S HOW TO LEARN MORE ABOUT ACREAGEWAY

It’s quick and easy for you to create an account at AcreageWay. So start your investment journey today. Visit acreageway.com/signup to create an account and invest in AcreageWay’s investment opportunities now.

start your investment journey today
in Editorial Posted by Jennifer

Now You Can Enter the Real Estate Market With Just $500, Thanks to BuyProperly

Now You Can Enter the Real Estate Market With Just $500, Thanks to BuyProperly

“BuyProperly provides you with the benefits of investing in cities with huge capital appreciation — without bearing the brunt of high real estate costs,” says BuyProperly CEO Khushboo Jha. “Our mission is to enable investors like you to grow your wealth through alternate asset classes.”

With BuyProperly, you can enter the real estate market for just $500. As BuyProperly’s first commercial real estate partner, Forge & Foster will waive BuyProperly’s annual management fee. Use the promo code BUILDYOURWEALTH at BuyProperly.ca to get started.

What is BuyProperly?

Founded in Toronto in 2019, BuyProperly is a fractional real estate investing platform that lets you enter the real estate market through a quick and easy online transaction.

Through BuyProperly.ca, you can go online and complete a fractional real estate investment with expected returns of 20 to 40% in less than 7 minutes.

“There’s only one objective: to give the customer’s options to invest in good deals. That’s it,” Khushboo told Bay Street Bull.

“There’s only one objective: to give the customer’s options to invest in good deals.”

— Khushboo Jha
BuyProperly CEO

BuyProperly grows your wealth by identifying high yield properties with a cutting-edge proprietary AI model.

You’ll earn passive rental income alongside your long-term investments. When a property is sold, your investment principal is paid back to you, plus appreciation.

How does it work?

BuyProperly’s selection process has three stages:

  1. First, using an AI model that looks at 20 years of MLS data, BuyProperly finds assets listed for less than their fair market value. This is determined through 500 million data points, including information on nearby schools, banks, neighbourhood shops, local demographics and economic data.
  2. Next, BuyProperly’s investment committee reviews actual, up-to-date numbers and data to detect red flags not captured in the initial evaluation.
  3. Then, BuyProperly undertakes an in-person inspection. Only 1% of properties reviewed pass BuyProperly’s rigorous evaluation and appear on the BuyProplerly website for you to invest in.

BuyProperly rents the fractionally-owned properties to high-quality, AAA tenants, earning you passive income alongside your long-term investments. In a few simple steps, you can open up a free account and start investing!

Properties like 360-410 Lewis Road in Hamilton, which you can invest in on BuyProperly, offer tremendous upside potential through redevelopment.

What Are BuyProperly’s Main Benefits?

    • No need to qualify for a mortgage
    • No downpayment required
    • None of the pain of managing a property or being a landlord
    • No closing costs
    • No need to find tenants or maintain the property
    • You’ll get a share of rent and gains on the property when it’s sold

Why Invest in Hamilton, Ontario?

“Hamilton is a very fast, exciting, electric city that is primed to have an amazing decade,” says Joe Accardi, Partner & CEO of Forge & Foster Investment Management, a Hamilton firm committed to delivering optimal returns to investors by artfully restoring local real estate.

“Hamilton is a very fast, exciting, electric city that is primed to have an amazing decade.”

—Joe Accardi
Partner & CEO of Forge & Foster Investment Management

Properties like 360-410 Lewis Road in Hamilton, which you can invest in on BuyProperly, offer tremendous upside potential through redevelopment.

This 14-acre mixed-use commercial and industrial property is zoned for various uses, including commercial recreation, entertainment, school, financial establishment, place of worship, medical clinic, and studio.

In addition, the property boasts prime exposure to the QEW, one of the highest volume highways in Southern Ontario.

Branded as ‘Orchard Place’ and featuring peach trees and outdoor seating, this property has limitless potential.

What are the experts saying?

“I’ve had the fortunate opportunity to be a part of BuyProperly and Khushboo’s journey since the beginning,” Saurabh Dutta, Partner at Nurture Ventures, said in a statement. “The market need for fractional real estate investing is clear through the customer growth BuyProperly has seen in only a short amount of time.”

“Khushboo and her team created the new hidden gem of real estate investing,” Margaux Perrin said on Bay Street Estate Bull.

“Khushboo and her team created the new hidden gem of real estate investing.”

Margaux Perrin, Bay Street Bull

Here’s How to Join BuyProperly and Enter the Real Estate Market for $500

It’s quick and easy for you to create an account at BuyProperly.ca. Then, use the promo code BUILDYOURWEALTH at BuyProperly.ca to get started with an investment of just $500.

Are you interested but have a few more questions? We’re happy to chat! It’s quick and easy to schedule a call with us. Just book a meeting and choose a time that suits you best. We look forward to talking with you!

Book a meeting today
in Editorial Posted by Jennifer