Investment Basics
New to investing? Start here. No jargon, no complexity - just the essentials.
01
What is Fractional Real Estate?
Traditional property investment requires buying an entire house or building - often hundreds of thousands of cedis. Fractional real estate lets you buy a fraction instead.
Think of it like a company issuing shares. Each "share" represents proportional ownership. When rent is collected, income flows to shareholders in proportion to their stake.
02
Where Returns Come From
Fractional real estate produces two types of return:
1. Rental Yield
Tenants pay rent. After fees, your proportional share arrives as a monthly dividend to your wallet. This is your regular income stream.
2. Capital Appreciation
Over time, prime Ghana real estate tends to increase in value. Your fractional shares increase in value too, which is reflected in secondary market prices.
03
Understanding Listed Returns
Every offering on the platform shows an invest amount, return amount, and period (for example GHS 500 invested for GHS 62.50 over 4 weeks). Here is how to interpret it:
- The return is based on current rental rates and the property valuation at listing time.
- It represents the expected cash return for the minimum ticket over the stated period - your return scales if you invest more.
- It is a projection, not a guarantee. Actual income depends on occupancy and rent collection each period.
- Net dividends are lower after management and platform fees are deducted.
Use the Fee Schedule page for a worked example showing gross vs. net returns.
04
Diversification
Spreading your investment across multiple properties reduces risk. If one property has a vacancy period, others may still be generating income.
With a minimum investment of , you can build a diversified portfolio across:
- Different property types (residential vs commercial)
- Different locations (Accra, Tema, Kumasi)
- Different return levels, periods, and risk profiles
Most experienced investors allocate no more than 20–30% of their real estate portfolio to a single property.
05
Liquidity and the Secondary Market
Unlike a savings account, your investment is not instantly redeemable - but it is not permanently locked either.
After the -day lock period, you can list any holding on the Secondary Market. Other investors can buy it from you at a price you set.
Key points:
- You control the listing price
- A small fee applies on sale proceeds
- If no buyer is found quickly, your holding continues earning dividends
- Patience is rewarded - liquidity is a feature, not the primary goal
06
Risk Management
All investments carry risk. Here is how to manage it wisely:
Only invest what you can afford to hold for at least the lock period without needing immediate access.
Spread across multiple properties - do not put all your capital in one offering.
Read every offering carefully before investing. Understand the location, type, return, and period.
Review full disclosures at Disclosures before your first investment.
07