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.


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Real estate tokenization – what does it really mean?

How do we select the properties for Stock.estate?