Moderate Return Investment Platforms

Financial services offering investments with balanced risk profiles and reasonable potential returns

Invest in multimillion-dollar art shares

Investments
$3,000

The minimum investment required on Mintus for art investment opportunities is $3,000, with investment amounts typically ranging from $15,000 to $100,000.

Moderate Risk
3/5

Investing in Mintus carries risks such as market volatility affecting art values, limited liquidity options until the secondary market launches, potential regulatory changes impacting investment practices, operational challenges, and the subjective nature of art valuation.

Minimum Liquidity
1/5

Mintus plans to introduce a secondary market feature, which is currently marked as "coming soon". This future addition aims to enhance liquidity by allowing investors to sell their shares in artworks to other users, although it's not yet available.

Moderate Return
8.9 %

Mintus targets an 8.9% annual growth rate for investments, though actual returns may vary due to market conditions and art performance.

Long-term Investment
5+ years

Investments through Mintus generally have a long-term horizon, often spanning several years, due to the nature of art appreciation and market trends. Exact duration may vary based on specific artworks and market conditions, with potential for earlier liquidity once the secondary market is introduced.

Who can invest
International

Mintus allows both individual investors and institutions to invest in artworks. Individual investors need to qualify as "high net worth individuals", "sophisticated investors", or "accredited investors" and pass an appropriateness assessment. Institutions like wealth managers and family offices should contact Mintus directly for specific investment options.

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Invest in real estate loans for small businesses and individuals

Investments
$10

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

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

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.

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.

Short-term Investment
6+ months

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

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.

Invest in private market alternatives

Investments
$10,000

The minimum investment on Yieldstreet starts at $10,000.

Moderate Risk
3/5

Yieldstreet investments, focused on high-yield, specialty lending, carry inherent risks higher than traditional investments, primarily due to the potential for borrower default.

Minimum Liquidity
1/5

Yieldstreet's investments are generally less liquid, meaning they cannot be quickly sold for cash. These private market alternatives often require longer holding periods.

Moderate Return
9.6 %

The expected net annualized return (IRR) for investors on Yieldstreet is 9.6%.

Short-term Investment
6+ months

Yieldstreet's investments span time horizons from as brief as 6 months to as long as 5 years.

Who can invest
United States

Yieldstreet is open to U.S. persons with a valid TIN, U.S. bank account, and U.S. mailing address. Non-accredited investors can access the Alternative Income Fund, while single asset investments require accredited investor status verification.

Invest in private credit deals

Investments
$500

Investors can enter the private credit market via Percent with a minimum of $500, accessing a variety of asset-based securities and corporate loans.

Moderate Risk
3/5

Investing on Percent comes with inherent risks, despite efforts to minimize these through a proprietary risk framework for its own deals. The risk levels can vary across the platform, depending on whether Percent or a third party underwrites the deal.

Minimum Liquidity
1/5

Liquidity on Percent, as with many private credit platforms, varies by investment. Generally, these investments are less liquid than public stocks, tied to longer-term commitments without guaranteed immediate access to funds.

Moderate Return
13.41 %

As of February 1, 2024, Percent offers a 2.5% interest rate on idle cash in accounts and reports a historical weighted average APY of 13.41% on investments.

Short-term Investment
3+ months

Percent offers investment horizons starting at 3 months, accommodating short-term investment strategies.

Who can invest
United States

Percent accepts investments only from accredited investors in the U.S. with U.S. bank accounts, adhering to Reg D 506(c) exemption rules.

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Invest in franchises

Investments
$500

The minimum investment in FranShares is $500, funded through ACH or wire transfer.

High Risk
4/5

Investing in FranShares involves risks such as market volatility, economic changes, and franchise-specific challenges. Despite efforts to mitigate risks, there's no guarantee of returns, and FranShares' financial health could impact investments.

Minimum Liquidity
1/5

While liquidity isn't guaranteed, the platform is developing a secondary market for potential future liquidity opportunities.

Moderate Return
20 %

FranShares' TNT Franchise Fund Inc., with 55 locations across major U.S. metros, historically generates returns of 20 to 28% EBITDA per location after 16-18 months.

Long-term Investment
5-15 years

Income portfolios target a 10-15 year hold; growth funds aim for a 5-7 year period before selling.

Who can invest
International

FranShares welcomes both accredited and non-accredited investors, focusing mainly on opportunities for non-accredited individuals. The platform also accepts international investors from many countries, depending on the specifics of each offering.

Buy shares in vacation rental properties

Investments
$100

Fundhomes sets its minimum investment threshold at $100, with shares available at $10.

Moderate Risk
3/5

Investing in Fundhomes carries risks such as potential loss of capital, market fluctuations, and regulatory changes affecting profitability. Investments are generally illiquid with a long-term exit strategy, and early withdrawal may result in penalties. A secondary market to improve liquidity is under consideration but not guaranteed.

Minimum Liquidity
1/5

Fundhomes offers liquidity options including automatic share sales when properties are sold (5-10 years), a secondary market for selling shares to other investors, and a buyback program, with potential early sale penalties within the first year.

Moderate Return
11.36 %

Investors in Fundhomes can expect cash dividends from rental income, projected at a hypothetical rate of 6.62% per year, and property appreciation, estimated at 4.74% per year, upon sale within 5-10 years. This totals a hypothetical annual return of 11.36%.

Long-term Investment
5-10 years

The investment time horizon at Fundhomes is typically 5 to 10 years, focusing on long-term gains from rental income and property appreciation.

Who can invest
United States

To invest in Fundhomes, one must be a U.S. Citizen or a resident of the U.S. with a valid Social Security Number.

Invest in a portfolio of highly desirable wines

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 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

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

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

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

Invest in multifamily rental properties across the United States

Investments
$500

DiversyFund's minimum investment amounts differ by investment type. It's $500 for Growth REITs targeting multifamily properties. For accredited investors, Premier Direct SPVs require a $50,000 minimum, while the Premier Opportunity Fund has a $25,000 minimum.

Moderate Risk
3/5

Investing in DiversyFund carries risks such as market changes, economic factors, and specific property risks, and there's always the potential for loss, including the initial investment.

Minimum Liquidity
1/5

DiversyFund investments are illiquid, with capital committed for approximately 5 to 7 years. There is no secondary market or immediate option for investors to sell their shares prior to the end of the investment term.

Moderate Return
11-18 %

DiversyFund has historically reported annual returns between 11% and 18%, but future returns can vary and are not guaranteed.

Long-term Investment
5-7 years

DiversyFund's REIT I has an investment term of 5-7 years, and the company is using the full term to maximize property values before sale and subsequent investor disbursements.

Who can invest
United States

DiversyFund's Growth Offerings are accessible to all investors, while its Premier Offerings are restricted to accredited investors only.

Invest in wine and whiskey

Investments
$1,000

The minimum deposit required is $1,000.

Moderate Risk
3/5

Investing with Vinovest involves market fluctuation risks, potential loss from early sale fees, limited insurance coverage, and no guarantee of liquidity or fair value realization on the secondary market.

Moderate Liquidity
2/5

Vinovest permits selling of assets with no extra commissions but charges a 1.5% listing fee for sales made before the ideal time window. Liquidity is not guaranteed and depends on market demand.

Moderate Return
8.9-13.8 %

Between 2015 and 2022, whiskey and fine wine have historically generated annual returns of 13.8% and 8.9%, respectively.

Long-term Investment
5-10 years

Vinovest offers three time horizons for wine investment: short-term (5-7 years), medium-term (7-10 years), and long-term (10+ years), with customization options for higher-tier clients.

Who can invest
International

Vinovest is open to investors who can meet the platform's minimum investment thresholds, catering to a wide audience from beginners to seasoned collectors and various entities.

Invest in fractionalized multimillion-dollar paintings

Investments
$15,000

The minimum investment required is $15,000, which can be used to buy one or more assets.

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 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.

Moderate Return
12.6 %

Profits come from selling the painting or when investors sell their shares.

Long-term Investment
3-7 years

Masterworks keeps the artwork for 3 to 10 years.

Who can invest
International

Masterworks welcomes individuals, corporations, or entities from any location, including the United States.