Arrived vs Cult Wines Comparison

Assess their risks, liquidity, investments, returns, timeframes and other terms

Invest in rental homes and vacation rentals

Invest in a portfolio of highly desirable wines

569,000 visits/month 8,700 search keywords
58,000 visits/month 19,600 search keywords

Investments
$100

Arrived allows for a minimum investment of $100 USD per property.

Investments
$35,000

Minimum investment levels start at $35,000 for the Premier Cru tier and go up to £1 million for the Black Tier.


Moderate Risk
3/5

Investing in Arrived carries risks including market fluctuations, economic factors, and property-specific issues. There's also the potential for loss, and investments are generally illiquid, meaning they can't be easily sold or exchanged for cash quickly.

Moderate Risk
3/5

Investing with Cult Wine Investment involves market risks, potential fluctuations in wine prices, and variable liquidity, which could impact the value and sale of the assets.


Minimum Liquidity
1/5

Arrived is designed for long-term investments with limited liquidity options. The Single Family Residential Fund offers share redemption after six months with restrictions. For individual properties, shares are held until the property is sold, typically after 5-7 or 5-15 years. A secondary market for shares is being considered but is not currently available.

Minimum Liquidity
1/5

Cult Wine Investment allows for portfolio liquidation, typically within 8 to 12 weeks, through sales to global trade, collectors, and consumers.

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Low Return
5.5-15 %

Arrived investors may earn returns through monthly rental income dividends and property value appreciation upon sale, with historical annual return estimates ranging from 5.5% to 15%, depending on the property type and use of leverage.

Moderate Return
8 %

Cult Wine Investment has achieved a compound annual growth rate of 8% since 2009.


Long-term Investment
5-15 years

Arrived targets a 5-7 year hold period for Single-Family Residentials and a 5-15 year hold period for Vacation Rentals, emphasizing a long-term investment horizon.

Long-term Investment
3-10 years

Cult Wine Investment advises a 3-5 year minimum investment term, ideally extending to 5-10 years for optimal results.


Who can invest
United States

U.S. citizens or residents who are at least 18 years old can invest with Arrived, and accreditation as an investor is not necessary.

Who can invest
International

Cult Wine Investment accepts investors worldwide with no geographic restrictions. Minimum age requirement: 18 or legal drinking age in your country.


Moderate Volatility
3/5

Real estate assets on Arrived can be subject to market volatility influenced by economic shifts, interest rates, and local market conditions.

Moderate Volatility
3/5

Fine wine values can fluctuate due to various factors, resulting in lower volatility compared to traditional markets, yet still subject to changes in market conditions.


Regulation and audits
SEC Regulated

Arrived's offerings are regulated by the SEC, requiring compliance with securities laws and provision of detailed offering circulars to investors. Audits and financial reviews are conducted for transparency.

Regulation and audits
Not Regulated

Wine investment is not regulated by financial authorities such as the Financial Conduct Authority or the Securities Commission.


Insurance
Yes

Arrived properties are insured against physical damage or loss, but insurance may not cover all risks and does not protect against market volatility, economic downturns, or other investment-related losses.

Insurance
Yes

Cult Wine Investment's stored wines are fully insured against physical loss or damage, kept in a secure facility near London.


Payouts
Dividends

Arrived pays out dividends monthly, with single-family residential properties historically averaging 45 days to lease and vacation rentals taking 3-6 months to start generating income. The first dividend payment for the Single Family Residential Fund is scheduled for February 25th for investments made by December 31st, and it may take up to 60 days to receive the first dividend after investing. Subsequent dividends are paid monthly, near the end of the month.

Payouts
No Recurring Payouts

Cult Wine Investment does not offer dividends.


Withdrawals

Investors can get their money back from Arrived after the property is sold or through share redemption options, subject to specific terms and conditions. Proceeds are distributed to the investor's Arrived wallet and can be withdrawn from there.

Withdrawals

To receive funds from Cult Wine Investment, investors sell their wine, typically within 8-12 weeks, and then the proceeds are returned to them.


Extra Fees
Yes

For long-term rentals, Arrived charges an 8% management fee on gross rental income. Vacation rentals incur a 15-25% management fee. Additional fees include a one-time sourcing fee (3.5% for long-term, 5% for vacation rentals), and a quarterly Asset Management Fee (0.25% for the fund, 0.15% for long-term rentals). Other costs may apply for closing, renovation, and operating expenses.

Extra Fees
No

Cult Wine Investment charges an annual fee based on the investment tier, with the Premier Cru tier at 2.75%, Grand Cru at 2.50%, Cult Cru at 2.25%, and Black Tier at 2%. Fees are divided into monthly payments calculated from the portfolio's end-of-month value, rather than an annual lump sum.


Taxes
Tax Form

Arrived sends investors a 1099-DIV form by the end of January for tax reporting, and state taxes are based on the investor's state of residence, not the property's location. Vacation rentals are taxed similarly but do not qualify as a REIT.

Taxes
Annual Statement

Cult Wine Investment assists with tax documentation upon request or through a Relationship Manager for higher-tier investors.

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