I Invested $5,000 In Fundrise And Here's What Happened (18 Month Update) #Best Education Page #Online Earning

 So, in this video today we are going to be doing a review

and an update of my Fundrise investment portfolio.

Now, I personally started investing in Fundrise

back in June of 2018,

and I've been regularly contributing to this account

from that original time that I started investing.

Now, here I am about a year and a half

since I started this investment,

and I have now decided to ramp up my investment yet again.

And so, I will be investing $2,000 every single month

into my Fundrise investment portfolio.

Now, that being said guys

if you do want to see me do a quarterly update

of my Fundrise investment and my returns

let me know down in the

Comment section below and I would be happy

to do that for you guys.

Now, before we jump into my computer

and take a look at my actual Fundrise portfolio

I just want to cover two things real quick.

First of all, if you're looking to learn more

about these different crowdfunded

real estate investing platforms

and you want to compare them side by side,

I put together a really good article

over on my blog investingsimple.com

where we analyze the top 10 best

crowdfunded real estate investing platforms out there

and provide a good description

of what each one of these offers the investor.

That's gonna be linked up down in the description below.

And then second of all, if you're new to crowdfunded

real estate investing and you want to learn more

about it as a beginner,

I do have a beginner's guide

to crowdfunded real estate investing.

It's a free ebook I put together,

and I will send that to you via email if you are interested.

That's gonna be the top link down in the description below.

All you have to do is drop your name and your email

and I will shoot that right over to you,

and I'll give you my beginner's guide

to crowdfunded real estate investing completely free.

And also, at the end of this video if you guys do decide

that you want to sign up for Fundrise,

if you want to support me for putting this video together

my link is in the description.

I am affiliated with Fundrise,

so I do earn a small commission

if you do decide to use my link.

And of course I thank you for that support.

But that being said guys

let's dive into my Fundrise portfolio,

and I will update you on what that has

looked like over the last year and a half.

All right guys, so here we are

inside of my Fundrise portfolio,

and the first thing I want to show you here

is just how the contributions

to this portfolio have changed.

So, as you can see here I have been investing

in Fundrise since June of 2018,

and I started off with an initial investment here of $1,000.

And I must've earned some dividends or appreciation there

because the first dollar amount

on the chart here is $1,006.39.

So, from that point up until April

I left that $1,000 in there,

and that grew to a value of $1,059.19.

Now, at that point in time

since I was more comfortable with the platform

having invested for a number of months,

I decided to scale up my investment

and go from $1,000 up to $5,000 in April of 2019.

And then I essentially left that $5,000 there,

didn't touch it, didn't add any more money.

So, then we fast forward to this point here

where I was up to a value

of about 5,370, somewhere around there.

And now, since I have been investing in this platform

for a year and a half I've decided to begin investing

$1,000 twice a month on the 1st and the 15th.

So, I will be contributing $2,000 per month

into this Fundrise portfolio.

So, the first $1,000 hit my account here

in the end of January,

and then obviously February 1st, February 15th,

and then every 1st and the 15th of months going forward

I will be doing an additional $1,000 into this portfolio

which is $24,000 per year.

And that is a pretty substantial amount of money

to be investing in any given investment out there.

But as I'm sure you guys see

I make a lot of passive income on my channel,

and so I try to direct that money into buying other assets.

And I like to be well diversified

across physical real estate, passive real estate,

the stock market, and even cryptocurrency as well.

And at some point in the near future

I will be revealing my cryptocurrency portfolio

for you guys as well since that was very heavily requested.

Now, as far as the different investment plans out there

I am personally in the Balanced Investing plan,

which is going to be a blend of both growth and income.

And if we click over to the Portfolio tab here

it's gonna tell me about my portfolio.

So, essentially what happens when you invest in Fundrise

is you're purchasing shares of what is called an eREIT

and there's also something else called an eFund,

and these are non-traded.

So, these do not trade on the NASDAQ

or the New York Stock Exchange.

They are a private REIT,

and therefore you can only buy and sell them

through the Fundrise platform.

Now, that is something you do have to be

comfortable with and familiar with as a private

real estate investor is that liquidity here

is not guaranteed with Fundrise,

and that is largely because your money is being used

for actual real estate projects just like these right here.

Within my portfolio I have 188 active projects.

Over here you can see what the risk spread is

of these different projects,

and right now I'm in a 40% debt, 60% equity split

based on my portfolio.

So, Fundrise does offer a quarterly redemption period

where you can sell your shares of your REITs

that you own within this portfolio,

but liquidity is not guaranteed.

And Fundrise says right on their website

you should have a minimum time horizon

of five years before you invest,

and if you do cash out early

there may be some fees incurred with cashing out.

So, if you're on the fence about it

or if you're a short-term investor,

I'm gonna be straight up with you guys

this is not gonna be the option for you.

But if you are more of a long-term investor

and you're looking to diversify outside of the stock market,

personally I have found it to be

a very interesting investment

and I have been very happy so far.

Now, as far as the portfolios go here guys

you have basically four different options.

Number one, you have the starter portfolio

with a $500 minimum or you have the advanced portfolios

that have a $1,000 minimum.

And then you have a growth-oriented portfolio,

an income-oriented portfolio,

and then the balanced one which is right in the middle.

That is the one I am invested in.

And in every portfolio you have these different projects,

and Fundrise will be sending you updates

via email on these projects when ones are completed

or whatever happens, or if there's any sales involved.

And you can click on every single project

and learn about what is going on,

what is the money being used for,

as well as the risk rating, how much money is invested,

is this debt or equity,

and then your projected annual return.

And you can get a lot of information

on each one of these projects.

It all depends on how deep

you want to go with this investment.

If you want to be totally passive

you can just set it and forget it

and give Fundrise your money

for them to invest on your behalf,

or you can scour through each one of these projects

just to understand what your money is invested in.

Now, that being said the only option through Fundrise

is to invest in portfolios,

meaning you can't pick and choose

individual real estate projects to invest in.

One of the main reasons for that is

because if they were allowing people

to pick and choose individual projects

that would be considered a private placement

and you would have to be an accredited investor.

Because of the portfolio-based investing

you do not need to be an accredited investor

to invest with Fundrise.

So, that being said guys now what I want to do

is jump over and look at the performance of my portfolio

over the last 18 months.

All right guys, so what we are looking at here

is the returns from my Fundrise portfolio after fees,

and we are looking at the percentages

and then we will look at the dollar amount.

So, as you guys know in 2018 that was a partial year for me

as I only began investing basically in the month of July

that money hit my account,

and in those last six months of 2018

I earned a return of 4.3%.

In 2019 I earned a overall return of 7.7%,

and all time I'm at 7.7.

Now, you may be saying to yourself well, wait a second,

the stock market did a lot better in 2019

than my Fundrise invesment.

But at the end of the day I don't want to be

fully involved with the stock market

because what will be really interesting to see

is how my Fundrise investment performs

during a bad time in the stock market

when we either have a recession or some kind of bear market.

It'll be interesting to see what the return is like,

and that is why people invest in different asset classes.

They'll invest in bonds, and gold, and stocks,

and physical real estate because you just don't want to have

all of your eggs in one basket.

Now as far as the dollar value,

in 2018 I had $1,000 invested

for half the year I made 43.89.

In 2019 I made 311.54, 2020 I made $19.39,

and it can break it down and show you

based on the different REITs.

And if you want to look at the percentages

what ones returned the most,

obviously the growth REITs are gonna be more substantial.

So, you can be really granular

with the data here if you want to,

or you can just look at the overall big picture

of your overall portfolio return.

So, as I'm sure you guys can imagine here,

these returns and dividends earned are based

on a relatively small account value here of $5,000.

Now that I'm putting $2,000 in here every single month

that's gonna be putting this account

to probably about $30,000 by this time next year,

so then the dividends and the growth of the portfolio

is going to be a lot more substantial.

So, I'm definitely excited for that.

One other thing I want to show you guys here,

if we go to Transactions you can see

where my Auto-Invest is.

Right here, $1,000 on the 15th,

and it's gonna be 1,000 on the 1st and 15th of every month.

And you can also see where I'm earning

my dividends every single quarter,

and what I'm doing is taking advantage

of the Auto-Invest feature.

So, as soon as I earn a dividend in this portfolio,

as you can see right here $60.05 for quarter three 2019,

automatically reinvested that dividend

back into my portfolio.

This is offered for free.

You do pay your Fundrise fees

which we'll talk about in a second here,

but the Auto-Invest feature itself

has no fees associated with it for using it

meaning you can automatically reinvest those dividends

to earn that compound interest.

Now, the last thing I want to talk about here

is the fees associated with Fundrise.

They have a very transparent fee structure

which is all in 1% per year based

on the value of your account,

or a 1% annual asset management fee.

A lot of these different sites out there

for crowdfunded real estate have different structures,

and a lot of them are not very transparent

about the fees they are charging.

So, I really like Fundrise

because they tell you flat out what your fees are,

and they're also not burying it

in the fifth page of some document.

Right on the homepage of your portfolio

you can see your returns to date,

and down here it shows you what you've earned

from dividends, what you've earned from asset appreciation,

and exactly how much money you paid in advisory fees.

So, they're very transparent about that fee structure.

And obviously guys looking at my performance here,

these returns are what I actually earned

after I paid that 1% fee to Fundrise.

So, anyways guys that's gonna

wrap up this portfolio update here.

Let me know down in the Comment section below if you want

to see me do a quarterly update of this portfolio,

or how often you guys want me to update you

on the balance and the growth of this portfolio.

Like I said, if you want to learn more

about crowdfunded real estate investing

I have a free beginner's ebook

down in the description below.

And then of course if you do want to support me

for putting this video together

you can feel free to use my link to sign up for Fundrise

where I will earn a small commission in the process

as I am affiliated with Fundrise.

But thanks so much for watching this video guys,

I hope you enjoyed it.

And I will see you in the next one.

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