Real Estate Fund - Learn Investing

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Investing with the real estate fund is a very ideal alternative for those who seek to get their money passively. Therefore, it is frequent to see people willing to put their financial resources in favor of real estate. In this branch, there is the financial market, which also provides opportunities for people who want some good investment in properties and real estate in general.

In Brazil, there are many possibilities to support yourself through this type of business. With real estate, it is possible to make rents and leave the resources that were gathered yielding with the contribution of interest. One way for people who want to rely on this market is to learn more about Real Estate Investment Funds (FIIs).

In this article, you will understand a little about FIIs, see their characteristics, learn about how to invest with them, in addition to understanding what is behind such attractive variable income. After all, around here, millions of people are putting their investments in variable income in recent years.

What are FIIs? Is it possible to invest without buying real estate?

It is important that, first, people understand that when investing in FII, other investors are in the game. In other words, the way in which the FII operates is an organization of several people who invest in a group, following the rules of the Securities Commission (CVM). Therefore, if you want to put your resources into this type of investment, you should be careful about making part of some of the fund's money.

It turns out that this value is equal to the difference between what the FII yields to investors and what that same fund brings in debt with it. Thus, the person who seeks to invest in this type of variable income has a share in the financial resources generated by this result between the two. Then the profit generated depends on how many accounts the person who invested has.

In addition, the profit also comes from the sale of the share that the person invests or the values held with the fund. Another crucial detail for people who want to rely on this variable income fund is that the resources of people with shares are managed by a manager. He is the one who puts the resources in real estate, in fixed income from the real estate market or even in other sets of shares of FII investors.

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Functioning of the real estate fund and other characteristics

When shareholders have access to the fund is another point of attention. This happens because it is the situation where there is an initial public offering (IPO, initial public offering em inglês). Assim, os investidores vão ter a chance de investirem. Mas, depois, não podem ter os recursos de volta se não porem à venda as suas ações no momento em que optam por deixar o fundo.

But where are the FII negotiations held? On the B3 bag. Three types of funds are traded there:

Paper backgrounds. This is a fixed income investment, with the most constant price in the real estate market. For example, Real Estate Credit Letters (LCIs), Real Estate Receivables Certificates (CRIs) and Guaranteed Real Estate Letters (LIGs) are some types of FII. However, paper funds follow a bureaucratic process, that is, they go through investors —contract—, then to banks —creditors— and, finally, debtors, who are not uncommon for construction companies.
Brick backgrounds. It is a simple type of fund, as the investments are focused on commercial buildings, sheds and other types of construction. Basically, people who put resources into this fund, in particular, seek to profit from renting places like supermarkets, shopping malls, educational spaces, etc. But, if the property you have for rent is idle for a long time, without anyone, it can become an extra cost for people. This is resolved by trying to improve the property.
Share investment funds. A practical option is to have a real estate fund already managed. This is how it happens with funds of funds, because the investments are already consolidated and people can count on all the resources already exploited in the fund in other quotas. Known in this field are BPFF11 (Brasil Plural Absoluto Fundo de Fundos) and BCFF11 (BTG Pactual Fundo de Fundos).

How to start investing in real estate funds?

First, people who are interested in FIIs need to look carefully at the public offerings of these funds. They are registered with the CVM and contain details such as expected profits from the fund, in addition to what the properties are like, the associated risks and an assessment of how viable the investment is.

Quem fica responsável por esses fundos são as corretoras. Seja Órama, Genial, Necton, XP Investimentos, entre outras, o ideal é ver se elas oferecem a taxa zerada em corretagem. Outros elementos importantes sobre os FII são o setor de investimento do imóvel, o quanto pode render para as pessoas, o preço em si da ação e a qualidade do imóvel.

Before, the person who wants to have an FII needs to put his resources in several types of fund. The main indication is not to put everything you have in a single fund, also looking at how much the value will generate in return. This is also known as FII liquidity.