Vint vs Groundfloor Comparison

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

Invest in fractionalized fine wine collections and rare spirits

Invest in real estate loans

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Investments
$2,500

The minimum amount required to invest in offerings from Vint is set at $2,500.

Investments
$10

Groundfloor enables individuals to begin investing in real estate with a minimal initial requirement of only $10.


Moderate Risk
3/5

Investing with Vint carries inherent risks, including market volatility and economic fluctuations that can impact the value of wine and spirits collections. The lack of a secondary market further increases risk by limiting early exit opportunities for investors.

Moderate Risk
3/5

Investing on Groundfloor involves credit risk from borrower default, market risk due to real estate market fluctuations, liquidity risk as investments are tied up until loan maturity without a secondary market for early exit, regulatory risk from changes in laws affecting real estate and crowdfunding, and platform risk related to operational disruptions or cybersecurity threats.


Minimum Liquidity
1/5

Vint currently does not offer a secondary market for the trading of interests in its wine and spirits collections, which means that investors generally lack immediate liquidity options.

Minimum Liquidity
1/5

On Groundfloor, liquidity is tied to the term of the real estate loans, which range from 6 to 18 months. Investors' funds are committed until the loan matures and the borrower repays.

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High Return
28.7 %

Vint has achieved a net annualized return of 28.7%, calculated from realized exits of its investment offerings, reflecting the aggregate average performance of the platform's assets under management.

Moderate Return
10.72 %

Groundfloor's loans are graded from A to G, with interest rates ranging from 5.5% to 25.5% annually, based on risk. A diversified portfolio across all repaid loans to date would have earned a 10.72% annualized net return.


Long-term Investment
1-3 years

Vint's investment time horizon for its collections spans 1 to 3 years on average.

Short-term Investment
6+ months

Groundfloor investments have loan terms ranging from 6 to 18 months.


Who can invest
United States

Investment opportunities with Vint are open to accredited investors, who must satisfy certain SEC-mandated financial criteria.

Who can invest
International

Groundfloor is accessible to investors both in the US and internationally. However, for non-US investors, a minimum transfer-in amount of $5,000 is required.


Moderate Volatility
3/5

The wine and spirits market experiences volatility, which can lead to rapid changes in the value of Vint's collections.

Moderate Volatility
3/5

The assets on Groundfloor, which are short-term real estate loans, generally exhibit lower volatility compared to stocks, as their value is more closely tied to specific real estate projects and less to daily market swings.


Regulation and audits
SEC Regulated

Vint adheres to SEC regulations by providing offering circulars for public investment and undergoes regular audits to maintain financial transparency and regulatory compliance.

Regulation and audits
SEC Regulated

Groundfloor offers securities under Regulation A of the Securities Act of 1933, allowing it to sell securities to residents in states where it's qualified or announced its intent under Regulation A's Tier 1 or Tier 2.


Insurance
Yes

Vint's investment assets are professionally stored and fully insured, with a strategic focus on location, primarily in the UK and additional facilities in the US, to align with potential sale markets.

Insurance
No

Investments on Groundfloor are not insured by any government agency such as the FDIC or SIPC, nor are they guaranteed by Groundfloor. This means investors fully assume the risk of borrower default or project failure, without any insurance safety net.


Payouts
No Recurring Payouts

Vint does not issue regular dividends; returns are generated from the sale of assets at a gain.

Payouts
Interest

Groundfloor pays interest on funded loans. Interest accrues from the investment date until the loan is repaid. Loans may have monthly or deferred payment terms, with monthly interest payments processed once a month and lump sum repayments for deferred loans.


Withdrawals

Investors receive funds from Vint after a collection is sold and proceeds are distributed, less any applicable fees.

Withdrawals

Investors on Groundfloor get their money back, including principal and accrued interest, once the borrower repays the loan, typically within 6 to 18 months. Repayments are processed within 7 days, with funds made available in the investor's dashboard for withdrawal or reinvestment.


Extra Fees
Yes

Vint applies a transaction fee of 2.85% on both the purchase and sale of wine shares, encompassing costs for acquisition, storage, insurance, and selling. Additionally, there is a spread fee of 1.5% applied to the transactions of wine shares.

Extra Fees
No

Investors on Groundfloor pay no fees. Instead, borrowers are charged an underwriting fee by Groundfloor, ranging from 2% to 4.5% of the loan's principal amount.


Taxes
Tax Form

After a collection sale, Vint issues pro-rata proceeds to shareholders and provides a 1099-DIV for tax reporting, prioritizing the settlement of any liabilities first.

Taxes
Tax Form

Groundfloor provides tax support by issuing a 1099-INT form for interest income over $10, a 1099-B for principal losses, and a 1099-MISC for promotional credits over $600.

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