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Real Estate vs. Bonds

What are Bonds?

A bond is a fixed interest rate investment that consists of loaning money to an entity that borrows the funds for a specific period. The most common examples of bonds used today are available through the government entities at the nation, state, and local levels, as well as through certain businesses to help finance projects and raise money. So, instead of obtaining a loan through the bank, a state government for example, may issue bonds directly to investors to keep an operation going, or to fund a new project. Bonds tend to have very low yields usually below inflation rates.

You may hear a bond be referred to as a fixed income security. A fixed income security is a type of investment where the borrower repays the principal amount by a specific date through periodic payments that incorporate a fixed interest rate to investors. Those who invest in bonds receive a contract that lists the agreed upon interest rate and the time by which the loaned amount must be repaid by, also known as the maturity date. A bond verses a stock market investor is aware of the repayment amounts in advance due to the agreed upon interest rate. A stock market investor is dependent upon a stock's performance, with no guarantee of a dividend, or his or her original investment. A typical bondholder would receive the bond principal, which is the original loaned amount, in addition to a fixed interest rate which is the investor’s return.

Real Estate vs. Stocks Comparison Chart

Hard Asset
Real Estate Hard Asset
Bonds Hard Asset
Real Estate Inflation
Bonds Inflation
High Cash Yield
Real Estate Cash Yield
Bonds Cash Yield
Real Estate Leveraged
Bonds Leveraged
Tax Advantage
Real Estate Tax Advantage
Bonds Tax Advantage
Equity Buildup
Real Estate Equity Buildup
Bonds Equity Buildup

Real Estate vs. Bonds Comparison Details

Is a Bonds a Hard Asset?

Since a bond is not a tangible or physical item of worth that is owned by an individual or a corporation, it is not considered a hard asset.

Are Bonds affected by Inflation?

Inflation can cause the federal reserve to raise interest rates. When the Federal Reserve raises interest rates, yields tend to rise. As a result, prices fall and have the potential to impact bonds by lowering the value of the fixed income investment. For example, if you have a bond that has a 2% interest rate, and the rate of inflation after purchasing this bond grows to 3%, you are esentially looking at a true rate of return of -1%.

Do Bonds have a High Cash Yield?

No, bonds in general do not provide high cash yields, not to be confused with high yield bonds that companies offer. Organizations offer high yield bonds to attract investors and offset risk. This means that bond investors who invest in high yield bonds, may receive a higher interest rate payment when the bond reaches maturity, but that does not equate to a high cash yield, it may just offer a percentage or half a percentage higher than a normal bond.

Can Bonds be Leveraged?

Bonds can be leveraged, but the interest that would be required on any borrowed capital would be higher than the amount that the bond could pay you in interest.

Are there Tax Advantages from owning Bonds?

Bonds that are issued by governmental units and U.S. territories and possessions are exempt from federal, state, and local income taxes. Corporate bonds are subject to income taxes on any interest or income received from the bond.

Do Bonds build Equity?

Bonds do not build equity. Unlike real estate, where equity buildup is possible through debt decreasing or property value increasing, bond investments do not equate to ownership of the issuing entity. Bond issuers pay back the principal loan at the agreed upon interest rate to the investor when a bond matures.

Risks of Investing in Bonds

Purchasing a bond equates to purchasing a debt. The entity that issues the bond, is borrowing an investor’s money with the promise to repay it with a fixed interest rate over time. Companies sometimes default and cannot repay their debt, which puts the investors at risk. Inflation can also work against a bond investment as detailed above constituting a true return in the negatives. Similarly, there is reinvestment risk with bond investments, where the only option to reinvest any earnings is at a lower rate compared to the rate that generated the proceeds.

In Summary

Bonds make up one of the three main generic asset classes, with cash equivalents and stocks. Certain types of bonds show more promise than others, for instance government bonds are guaranteed by the full faith and credit of the U.S. The type of bond will also determine if and how taxes apply upon receipt of any proceeds. Compared to real estate, bond returns receive devastating blows with inflation, and yield small returns with an intangible investment. If you are seeking investment opportunities and are serious about making your money grow the farthest, consider real estate over bonds.

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Investing in securities or real estate (the "Investments") poses risks, including but not limited to market risk, credit risk, interest rate risk, and the risk of losing some or all of the money you invest. Before investing you should: (1) conduct your own investigation and analysis; (2) carefully consider the investment and all related charges, expenses, uncertainties and risks, including all uncertainties and risks described in offering materials; and (3) consult with your own investment, tax, financial and legal advisors. Such Investments are only suitable for accredited investors who understand and willing and able to accept the high risks associated with private investments. Nothing on this website should be regarded as investment advice, either on behalf of a particular security or regarding an overall investment strategy, a recommendation, an offer to sell, or a solicitation of or an offer to buy any security. Advice from a securities professional is strongly advised, and we recommend that you consult with a financial advisor, attorney, accountant, and any other professional that can help you to understand and assess the risks associated with any real estate investment.

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The presentation at the website includes information provided to CityVest by the fund being described. It contains “forward-looking statements,” as defined in the Private Securities Litigation Reform Act of 1995. These statements, which express fund manager’s current views concerning future events, trends, contingencies or results, appear at various places in this presentation.

Such forward-looking statements can generally be identified by our use of forward-looking terminology such as “targets,” “plans,” “may,” or other similar words (including their use in the negative). Investors are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date this presentation. We do not intend to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required by applicable law.

Forward-looking statements are subject to inherent risks and uncertainties. Factors that could cause the fund’s actual results to differ materially from those expressed or implied in forward-looking statements include, among other things:

■ Increases in the Company’s borrowing costs as a result of inflation and increasing interest rates and other factors;
■ Changes in real estate market and general economic conditions or economic conditions in the markets in which the Company may, from time to time, compete, and the effect of those changes on the Company’s or revenues, earnings and Offering sources;
■ The ability and willingness of the Company’s tenants to renew their leases with the Company upon expiration of the leases, the Company’s ability to reposition its units on the same or better terms in the event of nonrenewal, including in the event of a recession;
■ Our ability to make acquisitions and dispositions and successfully integrate the businesses we acquire;
■ The Company’s limited operating history;
■ The Company’s success in implementing its business strategies;
■ The nature and extent of future competition, including new construction in the markets in which the Company and its facilities are located;
■ The Company’s reliance on key personnel;
■ The Company’s reliance on third-party vendors of technology, in particular the technology used to process and collect payments, or in the Company’s self-service kiosks or unmanned onsite operations and management;
■ Risks associated with the lack of liquidity of the Company’s securities; and
■ The impact of litigation or any financial, accounting, legal, tax or regulatory issues that may affect the Company or its tenants.

The factors noted above are not exhaustive. The Company operates in a dynamic business environment in which new risks emerge frequently. Further information about the Company’s businesses, including information about factors that could materially affect its results of operations and financial condition, is contained in the Company’s Private Placement Memorandum, which you should read before deciding to invest.