If you have ever considered investing in unsecured, high-risk consumer or payday loans, you have probably come across the terms like “Buyback Guarantee” or “Buyback Obligation” on the P2P consumer loans marketplace’s website. A large number of European P2P lending marketplaces, specializing in trading unsecured consumer debt obligations, are advertising the buyback guarantee as a … 
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The illusion of buyback guarantees

Real estate crowdfunding is changing the way people can invest in real estate. Historically, investing in real estate has been a privilege of institutional investors, corporations and ultra-wealthy individuals. Smaller investors’ options have been limited to buying residential properties or investing in real estate investment funds. At the same time, the idea of crowdfunding – … 
Read more "7 things you should know about real estate crowdfunding"

7 things you should know about real estate crowdfunding

4 minute read The EU market for crowdfunding has remained underdeveloped compared with other major world economies. For many years, one of the biggest hurdles faced by crowdfunding platforms seeking to offer their services across borders has been the lack of common rules and diverging licensing requirements across the European Union. The European Council approved … 
Read more "New European crowdfunding regulation EU 2020/1503 levels the playing ground and provides protection to the investors"

New European crowdfunding regulation EU 2020/1503 levels the playing ground and provides protection to the investors

5 minute read What is an investment default? One of the worst nightmares of any investor is to look at his/her investment portfolio and find a defaulted investment there. However, default is not the end of the world and should not be the reason for stopping investment activity. The risk-free investment is a theoretical investment … 
Read more "Investment default is not the tragic end of the world"

Investment default is not the tragic end of the world

5 minute read There’s an intrinsic link between risk and return in everything you do and do not. Investing is no different. There is a high correlation between the investment risks and expected returns. Return is telling only half of the story The majority of investors tend to judge the success of their investments by … 
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Investment risks and expected returns

5 minute read Depending on your willingness to be an active or passive investor and the importance of selecting the real estate investments yourself, there are three fundamentally different ways to invest in real estate. As all options have their pros and cons, you should consider each option’s suitability to your personal preferences. The following … 
Read more "3 ways to invest in real estate"

3 ways to invest in real estate

3 minute read In one of our previous posts, we introduced the concept of asset allocation and explained the importance of dividing the investment portfolio between different asset classes. Most investors are underweight in real estate How much should you invest in real estate? Unfortunately, there is no single truth or proven formula for determining … 
Read more "Real estate: How much should you invest in it?"

Real estate: How much should you invest in it?

4 minute read An asset class is a group of financial instruments that have comparable characteristics and exhibit similar behaviours in the marketplace.  Real estate is an asset class that is often categorized under the larger umbrella known as alternative assets. Similarly to stocks and bonds, the real estate asset class is divided into several … 
Read more "What are the 5 major real estate asset classes and how much do they yield?"

What are the 5 major real estate asset classes and how much do they yield?

4 minute read What is the tax residency certificate? A Tax Residency Certificate (or a Certificate of Fiscal Residence) is a certificate issued by the local tax authority (tax department, fiscal authority, internal revenue service etc) to a resident, either a private person or a company, proving that the person is a tax resident of … 
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Tax residency certificate

3 minute read In our previous post, we introduced the concept of assets allocation and its importance.  Real estate is the most well known and popular alternative asset class and there are at least 8 good reasons to invest in real estate. Excellent returns Leaving aside the exotic and speculative investments, investing in the stock … 
Read more "8 great reasons to invest in real estate"

8 great reasons to invest in real estate

Reading time: 10+ min. Highlights Although income tax withholding rules were in place in the mid-19th century, Mr Beardsley Rumi, the director of the Federal Reserve Bank of New York, is considered to be the author of the modern withholding tax system. The US Congress enforced Rum’s proposals with the Current Tax Payment Act of … 
Read more "Withholding tax and interest income"

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