For new investors, foraying into the equity market can be a challenging experience. The entire stock market is a complex entity, but once you understand all the rules it functions by, you will find the best investment opportunities to make your money grow. And the first step for achieving the investor's financial goals is to understand the basics of equity investment. 

What are equity investments?
### 
The simplest way to understand the equity investment is to see it as fundraising activity, started by a company. Basically, instead of choosing a business loan, a company can collect money from the general public. In this way, the investors can buy a partial share of the respective company, and this is ultimately what’s known as an equity investment. Once shares are purchased, the investor will receive a dividend of the profits earned by the company.
An equity investment is an amount of money that is invested in a company by purchasing shares of that company.

Why you should consider equities
### 
The equity investors purchase shares of different companies, with the expectation that their value will rise in the form of capital gains, and they will generate capital dividends. In this way, if an equity investment rises in value, the investor would receive the monetary difference if they sold their shares, or if the company's assets are liquidated and all its obligations are met. Equities can strengthen a portfolio’s asset allocation by adding diversification.

Investing money or capital is a major decision in anyone’s life. The whole idea behind investing money is to create an additional source of income and to generate a sizable amount of wealth for your future that grows overtime and appreciates in value. It is therefore important to understand the first steps of this arduous yet rewarding journey.

It is important to understand your investor personality. For example, you can ask yourself what kind of investor you want be and how much risk are you willing to take. Answering these questions will help you decide what kind of investments you want, and more importantly, it will help you to envision your long-term wealth goals.

If you are a first-time investor, it is better to work on a plan that focuses on your short and long-term financial goals. This investment strategy will help you to align better your needs and goals. Also, investing is only possible with discipline in other areas of your financial life such as monthly savings. 
After making an investment, some people feel comfortable and forget about it. But, for someone new on this market, it is important to track how your investments are doing.

Now that you know what equities are, let’s understand the various benefits that equity investment brings to the table. A potential benefit is the inflation-beating returns in the long run. With time, the inflation brings down the value of money, so you need to invest in an asset class that has the potential to trounce inflation.
Another benefit is the capital appreciation. If you invest in an equity share of a company with high growing potential, its price might appreciate with time. And the investors will benefit from this capital appreciation.

There are also some risks when it comes to investment in equities. For example, the price of your holding can fall, and if you sell at that time, you might incur a loss. But if you are a long-term investor the risk becomes lower.

The secret is to invest for the long term and to diversify your portfolio. Hold shares of different types of companies across industries. 


What are equity investments?

Real estate tokenization – what does it really mean? The tokenized real estate assets are essentially digital shares of properties launched and tracked on blockchain networks. 

In the last couple of years, more and more real estate firms started partnerships with established fintech providers to utilize digital shares (tokens) and alternative trading systems to facilitate their offerings and investor liquidity.

The tokenization of the real estate assets gives the investor control over when and how much of their stake they sell, but with the stability of a traditional real estate deal.

**What are the real estate tokens?**

Real estate non-fungible tokens (NFTs) do not directly represent physical parts of real estate in its materiality. Instead, they represent shares of a special purpose vehicle (SPV), this SPV being a company that holds the real estate property. Depending on the investment form, the investors have a direct claim on the cash flows from the real estate or even the land itself as holders of shares of the SPV. 

This mechanism ensures that investors are well-protected. Dissimilar to the underlying real estate, the sale of shares does not require amendments to the land books, making property-backed tokens faster and more flexible to transfer.

**What types of real estate can be tokenized?**

Like traditional real estate investments, the types of real estate that can be tokenized also vary, including residential or commercial property, and industrial spaces or retail spaces. As tokens are secured by physical assets, their value will fluctuate in line with the performance of the asset, similar to real estate investments but with the added convenience the blockchain technology offers, specifically the safe and frictionless storage and transfer of the tokens.

**The advantages of real estate tokenization**

Tokenization has the capacity to radically transform the global real estate market. It offers both issuers and investors a wealth of substantial advantages over the existing investment options, as well as opening up opportunities for a bigger number of investors to enter the market. Below we’ll consider some of the biggest gains that tokenization is bringing to real estate.

Tokenization in real estate has yielded the positive outcome of fractional and divisible ownership. The value of real estate has traditionally been indivisible as it is treated as a single asset. Tokenization makes it possible to fractionalize the asset, leading to greater access thereto and better liquidity of the investment.

The tokenization of real estate also brings a greater transparency. The blockchain is capable of recording each transaction that takes place on it. Whenever a single token undergoes a transaction, all the participants become aware of it. Therefore, investors can look at the token’s history, pricing, as well as other transaction details at any time.

Real estate tokenization – what does it really mean? 

The secret of a good investment is to diversify your investments portfolio. And Stock.estate gives you the opportunity to diversify your investments in residential and vacation rental properties.

When we select the investment opportunities for Stock.estate, we run every property through a rigorous list of criteria and filters and select the best ones. In this way we want to offer to our potential investors the most profitable investment opportunities in real estate, just a click away.

A risk profile for every potential property includes:
•	Liquidity Index of the property - how easy is it to sell this property, should it be necessary or profitable
•	Vacancy Index - how easy is it to find a tenant
•	Price Growth Expectation - the estimated price growth of a property of this type in this area.

All target projects we are choosing for our platform are carefully considered, selected and evaluated by our team. If we see problems with their experience and how they approach the business or the real estate project is not a good opportunity for Stock.estate investor’s community, we delay or refuse to list these businesses.

The duration of each funding period is set within the investment opportunity and differs in every case. If the total investment amount is not reached, the investment opportunity will be removed from Stock.estate platform and the funds will be returned to the investors.

If an investor changes his mind and he doesn’t want to invest anymore in one of the properties shared on our platform, he has at disposal a reflection period of four calendar days from the moment of submitting the offer during which the Investor is able to revoke his/her expression of interest to participate in the Fundraising without penalty and with no obligation to provide a justification. The request to revoke the offer should be sent to the email address team@stock.estate.

**Should I invest in a residential or a vacation rental property?**

These both types of investment have their own advantages. You can earn money from real estate investments either through regular rental income and real estate property appreciation.
Different types of real estate investments have different return expectations, depending on both rental income as well as underlying real estate appreciation.

Real estate prices are hard to predict, but real estate values have a historically high correlation with inflation and wage growth.
Generally, the expected rental income paid as dividends per year is about 8-10% for vacation properties and 4-5% for residential properties. The earnings coming from the lease are paid out as dividends to the investors. 

Furthermore, you benefit from the increase of the value of the property. Real estate developments have much higher return expectations, but so are the accompanying risks; you can expect a property value appreciation of 20-30% upon delivery.

How do we select the properties for Stock.estate?

All investments involve risks, including loss of invested capital, lack of liquidity, and non-reimbursement on loans, partially or integrally. It is an appropriate investment only for investors able to assess and bear the risks presented above. Before investing, please read the risks of investments warning, and also all the clauses of the loan agreement, which will be provided to you for the campaign in question.  Stock.estate Platform is not responsible for the information provided by the project developers, even if it is provided by or through Stock.estate. Stock.estate does not provide you any other advisory services. The decision to invest is entirely yours. We recommend that you consult specialized advisers if you need support in evaluating your investment decision. The messages and documentation you receive from Stock.estate or project developers have not been verified or approved by Romanian or European authorities.


The page you're looking for does not seem to exist.

Page Not Found

My investors

Leaderboard

Name

Affiliate dashboard

The bonus will be added to your wallet after a successful investment.

Invest before the countdown ends to get {bonusAmount} bonus

Monthly income during hold period. Guaranteed buyback at a profit.

Capital gain at delivery. Rental income after.

Interest during the loan period. Principal at the end.

Payment frequency

Collateral

SWOT Analysis

Madalina Florea

Confirm email

Get funding

Get in touch

We use cookies and similar technologies to help personalize content, tailor and measure ads, and provide a better experience.

FAQs

You should receive an email with a reset link (check the spam folder too)

You'll get an email with a reset link

Forgot your password?

Add bank account

Are you sure you want to delete this IBAN: {iban}?

Delete bank account

Bank accounts

Our payment provider charges a fee for funding your account. Choose your preferred payment method and amount below.

Add funds

Withdraw funds

Deposits

Withdrawals

Are you sure you want to cancel your pending bank transfer?

Cancel bank transfer

You have a pending bank transfer. Send the funds to the bank account below. Don't forget to include the payment reference in the payment details!

You have a pending withdrawal. We'll let you know once the transfer was processed by our bank.

My funds

Pre-vetted, high-end real estate properties

Earn up to 20% per year, with as little as 100€

Stable returns backed by secured, fixed-rate loans

Build your financial freedom.

Invest in one of Europe's fastest growing Real Estate Markets.

Investor advantages

Stock.estate in numbers

Schedule a 15 minute call with one of us

Book a call

Call and talk to us right now

Call us

Start a live chat and ask us anything

Chat with us

Meet the team

Kind words from all around the world

Top FAQs

If you choose to invest bigger amounts, we may be able to reward you with better returns. Apply below and we'll get back to you.

Apply for higher returns

Get preferential access 🥇 and higher returns 🤑 with €10k minimum investment

Get higher returns 🤑 investing €10k+

Campaign

Investment dashboard

Transfers will appear here approximatively one month before the deadline. For a long term view consult the Reimbursement chart.

Reimbursements

Calculate your investment returns

Estimate gains given durations and interest rates we may offer

Actions

Are you sure you want to cancel your commitment?

Are you sure you want to cancel your investment?

Cancel commitment

Cancel investment

How much do you want to commit?

How much do you want to invest?

€ {amount} after buyback and rental income

Your investment begins the day after campaign end

€ {amount} after principal and interest payment

It takes into account the {feePct}% + VAT fee that will be applied to the interest payments.

This is a simulation given an initial investment of € {amount}.

It also takes into account the {withholdPct}% withholding tax that will be applied to the interest payments.

Reimbursement chart

Investment simulation

Investment commitment

Investment contract

My investments

We've sent you an email with a verification code. Please enter it below to login.

Email verification

and invest in real estate opportunities.

Sign in to your account

We're currently performing maintenance. Please check back soon.

Maintenance

Choose your investor type and fill out required information below

We resent the email with the verification link. Check your inbox.

Please follow the instructions in the email we sent you to complete the registration process. Check your spam folder too. Sometimes, the email can take up to 2 minutes to arrive.

Congratulations! You have successfully completed all the necessary steps to start investing through Stock.estate! At this point you have full access to all platform tools and active opportunities.

If you wish, you can activate two-factor authentication in your profile using the button below.

Click the button below to start the verification process

We are verifying your identity. We'll let you know when the process is finalized.

Meanwhile, have a look at our active opportunities.

One more step to that nice bonus thanks to {referrerName} 🤑

Just one more step to finalize your investment commitment ✅

You have a pending investment waiting to be completed 🚀

Don't let {referrerName} down and miss the bonus 😓

Complete the onboarding process to start investing today 📈

You have been referred by {referrerName} ❤️

Appropriateness Questionnaire

Company name

Company

Investor profile

Password

Profile

My profile

Two factor authentication is a security method that adds an extra layer of protection to your account. After activating this option, you will be required to enter a verification code that you will receive by email every time you log in.

Share the link below with a friend and you both get €{referralBonus} after they invest.

Share the link below and they get +{investorBonus}% interest on their first investment. You get up to {referralBonus}% of their investment, depending on where you place on the leaderboard.

Blog

Real estate tokenization – what does it really mean?

How do we select the properties for Stock.estate?