DelhiDesk Alternative investments, previously only available to high net worth individuals, are now accessible to retail investors through new platforms offering options such as asset leasing, invoice discounting, peer-to-peer lending, and fractional real estate. Asset leasing involves individuals or a group of investors funding a lease transaction and receiving fixed monthly payments. Platforms such as GripInvest, LeafRound, Jiraaf, and Pyse offer different leasing structures, and investors can earn returns of up to 20%. However, the minimum ticket size is low, starting at INR 3,000, and the leasing structure varies. Investors should be aware of the risks, including the potential for default in lease payments by the lessee and the platform’s fee of up to 2%.
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👉 Hitherto, alternative investments were only accessible to HNIs through AIFs with a minimum investment of 1 crore.
👉 New alternative investment options, such as asset leasing and peer-to-peer lending, have emerged in recent years aimed at small investors with a minimum ticket size as low as 3,000.
👉 Asset leasing involves funding a lease transaction and earning fixed monthly payments through platforms such as GripInvest, LeafRound, Jiraaf, and Pyse.
👉 The leasing structure varies from one platform to another, but investors can earn returns of up to 20%.
👉 There are three leasing structures: LLP, direct leasing, and SDI, each with different tax implications and liquidity.
👉 The IRR metric used to show returns can be flawed, and MIRR is a modified version that considers reinvestment rates more realistically.
👉 Asset leasing carries the risk of default in lease payments by the lessee, and investors may face fees and taxes that can eat into their returns.
👉 Despite higher risks, investors in the highest tax brackets may only receive a post-tax return of 7-8%, which is comparable to FDs with lower risk involved.
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