A practical comparison for EUR investors deciding what belongs in cash, fixed income, and real estate-backed private credit. Higher target returns can be attractive, but they come with lower liquidity and real investment risk.
Target returns up to 20% per year paid monthly on many campaigns
Secured by registered mortgages on eligible real estate-backed campaigns
ESMA / ASF regulated start from EUR 100
Expected return in 12 months:
-
fees & taxes =
(14.0%)
At a glance
The right choice depends on whether the money is emergency cash, conservative fixed income, or capital you can commit to project-level risk.
| Criteria | stock.estate Real estate crowdlending | Bank deposits | EUR government bonds |
|---|---|---|---|
| Return profile | Up to 20% / year | EUR deposits: ~0.5%-2.0% | Recent Fidelis EUR: 4%-6.8% |
| Capital protection | Secured loans, not guaranteed | Deposit guarantee scheme | Government-backed |
| Collateral or backing | Mortgage target 150% | - | Sovereign issuer |
| Liquidity | Term-based | High | Tradable |
| Income timing | Monthly interest | Usually at maturity | Periodic coupons |
| Minimum to start | From EUR 100 | Varies by bank | Set by issuance |
| Regulation | ESMA / ASF licensed | Banking regulation | State issuer |
| Best used for | Yield allocation | Cash reserve | Fixed income |
Portfolio fit
A transparent comparison should make the tradeoff obvious: stock.estate can increase yield potential, but it should not replace cash you may need immediately.
Keep deposits for liquidity
Emergency funds and near-term spending usually belong in simple, accessible products.
Use bonds for fixed income
EUR government bonds can fit conservative portfolios, but prices and yields still move.
Use crowdlending selectively
Consider it only for capital you can lock for the campaign term and diversify across projects.
The questions investors usually ask before moving money from familiar products into crowdlending.
No. It is a different product. Deposits may benefit from deposit-guarantee rules, while crowdlending depends on the borrower. For all new loans, we sign a first-rank mortgage in favor of investors.
Investors are taking project-level credit and liquidity risk. Returns are also proportional to the expected profitability of the real estate project.
No. It depends on the security of the campaign. Most campaigns have a first-grade mortgage, the strongest type of security, but enforcement can still be delayed and we may not recover the full amount.
EUR government bonds are issuer-backed securities with coupon, maturity, and market-price dynamics. stock.estate investments are private project loans with different liquidity and recovery mechanics.
Start only with an amount that fits your risk capacity. The platform guidance says crowdfunding should be a measured allocation, not money needed for short-term obligations.
Start with the KIIS document, the most important document for each campaign. Then read the campaign page, loan agreement, risk warnings, collateral documents where available, fees, tax notes, and repayment schedule.
Next step
The best investor is not the one chasing the highest number. It is the one who understands the return, the liquidity, the documents, and the downside before committing capital.
STOCKESTATE CROWDFUNDING SRL is licensed under the number PJR28FSFPR/400002, since 29.08.2023. Find us in the register of crowdfunding service providers of the European Securities and Market Authority (ESMA).
Investor resources
Guarantees & securityCrowdlending modelComparison vs depositsComparison vs REITsComparison vs othersAll 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.