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Fundamento

How much of your portfolio should be in real estate?

Most professional asset allocators recommend 5–25% of a diversified portfolio in real estate, depending on your stage. Early career: 5–10% in retirement-account REITs. Mature investor with home + rentals: 20–30%. Multigenerational wealth transfer: 20–40% with planning structures.

Critically, count your home in the allocation. A $500K home with a $400K mortgage represents $100K of real estate equity. If your net worth is $400K, your home alone is 25% of your assets. Adding a rental property doubles your real estate exposure. The honest accounting matters — many investors think they're "underweight real estate" while already at 35% concentration via the home.

For comparison, JP Morgan Private Bank 2024 reported the average family office allocates ~14.4% to real estate; 77% of JP Morgan family office clients hold real estate. The typical single-family office commits roughly $82M to real estate (Primior, citing JPM/Citi/UBS reports).

Increasing past 30% requires structural protection: diversification across property types, careful leverage, liquidity reserves at the portfolio level. Concentration becomes dangerous fast.

#allocation#portfolio

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A REIT is a publicly traded company that owns real estate. By US tax law it must distribute 90% of taxable income as dividends. You buy shares like any stock in any brokerage account — instant, liquid, low-minimum real estate exposure.

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Standard metrics: dividend yield, funds from operations (FFO) per share, AFFO, price-to-FFO, payout ratio, net debt/EBITDA, and the quality of the underlying portfolio.

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Non-traded REITs (Blackstone BREIT, Starwood SREIT, KKR KREST, Brookfield BREIF) offer daily-marked NAV and quarterly redemption windows. The 2022–2024 redemption episode showed the liquidity is conditional — and below mega-platform scale, it can break.

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Real estate crowdfunding platforms

Crowdfunding lowers the entry minimum from $50K+ (private funds) to as little as $10. You give up liquidity (3–7 year holds) and accept platform risk. Reasonable for diversification but vet the platform like you'd vet a sponsor.