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Real Estate vs. Mutual Funds

What are Mutual Funds?

A mutual fund is pooled together capital from multiple investors to form one investment. Money in a mutual fund account can be invested in securities like stocks, bonds, and other assets to produce capital gains for investors. Professional financial managers operate mutual funds, and their primary responsibility is to allocate invested capital and maintain the fund’s investment objectives.

Investing in a mutual fund allows access to professional equities, bonds, and other securities’ portfolios. A mutual fund can include thousands of individual stocks or bonds, which are referred to as holdings. As the fund acquires investors, these investors do not own the holdings, investors in a mutual fund own a share of the mutual fund. For instance, let’s say you decide to invest in a mutual fund that includes shares of stock in Google, Inc, you as the investor, do not directly own Google, Inc stock, you own a share of the mutual fund that invests in Google, Inc stock.

Advantages to investing in a mutual fund provide diversification, versatility and accessibility:

  • Reaching Diversification: A mutual fund can offer complete diversification to an investor through the type or types of securities it invests in. To reach diversification in the stock market, an investor would have to invest in twenty plus individual stocks. One share in the right mutual fund can be a one-stop shop for acquiring diversification in an investment.
  • A Versatile Investment: As a mutual fund investor, you can pick and choose segments of the market you’d like your share of the fund to be put toward. If you are focused on specific areas of the market, it is possible for you to buy into a mutual fund that supports your investment vision.
  • Access Granted: Mutual funds offer access to many professional securities. Access and exposure to thousands of stocks is possible through shares of a mutual fund, allowing the investor to gain access to the entire market.

Real Estate vs. Mutual Funds Comparison Chart

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

Real Estate vs. Mutual Funds Comparison Details

Is a Mutual Funds a Hard Asset?

Since a mutual fund 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 Mutual Funds affected by Inflation?

Yes and no. If you decide to invest in international mutual funds that invest in the right growing companies, over time, your investment has the potential to grow faster than the rate of inflation. On the other hand, those who invest in mutual utility stock may benefit from their higher yields, but these investors will see the rise and fall of price with changes in the economy and rates of inflation.

Do Mutual Funds have a High Cash Yield?

Free cash flow yield is the ratio of free cash flow to the business' market capitalization but "Cash on Cash Yield" is slightly different. Mutual funds can provide what is called a mutual fund yield, which is the calculated income return.

Can Mutual Funds be Leveraged?

Depending on the size of their portfolio, mutual funds can be leveraged. The amount can be determined by borrowed capital.

Are there Tax Advantages from owning Mutual Funds?

Some mutual funds are tax free. For instance, mutual funds with more than 50% of assets in equities, i.e. government securities and long-term debt funds, are tax-free for the investor. Short and long term capital gains on equity oriented funds is chargeable to tax.

Do Mutual Funds build Equity?

Mutual Funds do not build equity. Unlike real estate, where equity buildup is possible through debt decreasing or property value increasing, mutual fund investments do not equate to ownership of the holdings or securities.

Risks of Investing in Mutual Funds

First and foremost, there is both market and liquidity risk investing in a mutual fund. Mutual funds invest in the stock market through bonds, shares of stock, and other securities. Fluctuations and declines in the market will affect any mutual fund's performance, and in a no buyer situation, i.e. a declining market, investors may not be able to sell their investments. Mutual fund investors are subject to the same risks that stock market and bond investors face. In a thriving economy, mutual funds can be a good option for an investor of any size.

In Summary

Many people consider investing in a mutual fund because of the market exposure, tax benefits, and pooled funds system. If you are thinking about investing into a mutual fund, you will need to weigh the cost of what a declining market could mean for your intended investment. By choosing to invest in real estate you eliminate the money market risk and can create higher yields for yourself. A bond issuer may not make good on their repayment, and a stock could plummet at essentially any time. A piece of land, however will never be valued at zero, and that is absolutely something to consider when you are ready to invest.

Building Real Estate Wealth

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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.