Invest in fractionalized multimillion-dollar paintings
Invest in a portfolio of highly desirable wines
Investments
$15,000
The minimum investment required is $15,000, which can be used to buy one or more assets.
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 art through Masterworks has risks, including concentration in a single artwork, limited insurance coverage, market volatility, and uncertainty in the secondary market.
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.
Moderate Liquidity
2/5
You have the option to trade shares on the platform's secondary market, but there are certain restrictions on what and how you can trade.
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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Moderate Return
8 %
Cult Wine Investment has achieved a compound annual growth rate of 8% since 2009.
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
International
Masterworks welcomes individuals, corporations, or entities from any location, including the United States.
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
Art market fluctuations can lead to rapid price increases and declines, posing risks for short-term investors who may lose a significant portion of their capital.
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
Masterworks provides SEC-approved offering circulars for each artwork, allowing public investment. AGD Legal reviews art investments annually.
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
Artworks are insured for up to $500 million by Lloyd's of London, but coverage may not fully match the artwork's value.
Insurance
Yes
Cult Wine Investment's stored wines are fully insured against physical loss or damage, kept in a secure facility near London.
Withdrawals
Investors should wait for the company to sell the painting to receive their share of the proceeds, after deducting fees.
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
Masterworks charges a 1.5% yearly fee in equity, takes a 20% cut on art sales profits, and has a one-time sourcing fee per investment.
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
US taxpayers: subject to collectible gains rate (capped at 28%), unless owning 10%+ of a single painting. Masterworks provides a free Consolidated Tax Statement. Foreign investors: no US taxes or tax withholding.
Taxes
Annual Statement
Cult Wine Investment assists with tax documentation upon request or through a Relationship Manager for higher-tier investors.