Passive Investments

Ties

Cutting Ties With Groundfloor (For Now)

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Well as you might have been able to tell from my featured image I am cutting ties with Groundfloor. I do not know if this will be forever but I am not investing in Groundfloor for the foreseeable future.

 

What is Groundfloor?

Groundfloor is a really cool concept that brings investors (lenders) and borrowers together in order to flip or rehab properties. This is one of the best sectors of the peer to peer (p2p) lending space largely in part because the the loans are backed by a piece of real estate.

 

Groundfloor allows you to invest in a “loan” for as little as $10 allowing even those with humble investments amounts to diversify over many different loans. This is one of the lowest points of entry into the p2p lending space that you will find.

 

The returns are decent on the platform, not the best but certainly they outperform many other platforms out there today. The platform also allows you to search for the time horizon that meets your needs. For me I search for the highest return with the shortest amount of time remaining on the loan. I prefer the higher rates but like to cycle my money more often so, I appreciate the flexibility.

 

There are some good aspects to the site and I do not want to completely flame them as a company. I do feel that for some reason, either the platform is too large or is not properly managed they fall short in two key categories.

 

Communications from Groundfloor is mediocre at best. I continue to watch the properties (virtually) that I invest in. I track the progress and I watch them on the different real estate sites. I track the listing prices as well as any reductions. In some instances I see the reduction in listing price before there is an update on the platform.

 

Due diligence is really the responsibility of the investor but that being said there are some things investors need to rely on Groundfloor for. Things such as who the borrower is and their past performance which is reported on the platform. I believe that this makes Groundfloor one of the better sites in that they have the ability to report the past performance (with Groundfloor) on the site. I am curious about the reporting since often times the platform will indicate that the borrower has completed X number of projects although there is no further information in relation to the timeliness of the completion. The borrower could have completed four projects but three of them could have gone past the maturity date. There appears to be no way to verify the timeliness of payments.

 

In closing I am still a huge fan of the platform’s concept and the structure seems sound. I am just concerned that some of the borrowers may be more of a mom and pop operation who may not be able to deliver on the timeline indicated on the site. At least the handful of loans I have invested in have had small issues meeting the maturity date.

 

I do not want to group Groundfloor in the same category as Prosper but my success rate is starting to look pretty similar to what I had experienced on Prosper, and I am sticking to “B” rated loans and above.

 

You will have to determine for yourself whether or not Groundfloor will work for you and allow you to achieve your investment goals. Right now Groundfloor is being shelved as there are better opportunities available to me right now.

Bitcoin_in_Hand

MyConstant p2p Lending Update December 2020

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If you do not know by now I am a pretty big fan of a rather new peer to peer (p2p) lending site that offers more than the typical unsecured p2p loan options. I am starting a new series of web articles about MyConstant.com and I will be giving monthly updates. I plan to do this for a year, so that I can track my progress of building up not only #Crypto mostly #bitcoin but also to build up some USD.

This would probably be a great spot to insert my goal and outline what I hope to accomplish with this platform. So, I want to be able to build back up to at least $5,000 USD to continue to invest in the crypto backed loans at the current rate of 6% which will bring in $25 monthly. Additionally I would like to make some moves with my crypto holdings which would bring me up to at least 1/10th of a Bitcoin by the end of next year. So I threw down the gauntlet on my goals and I am confident that by using MyConstant I will not only achieve those goals but most likely I will exceed them. (Check back next month to see where I started and how much I have improved.)

You may have read some of my previous postings about MyConstant and how the platform functions. In case you have not you can either read one of them here or here.

In essence MyConstant is a p2p lending platform. I know what you are going to say. I had bad experiences with p2p lending in the past as well. In fact I have a few sub-standard experiences with Groundfloor I could share with you right now. I am telling you though this one is different. That is what everyone says though. Hopefully after you see the progress I am going to make with MyConstant you will be convinced and will give it a try for yourself.

I think it was the Oracle of Omaha, Warren Buffet, himself who said “the number one rule of investing is to not lose money” and the number two rule was “never forget rule number one.” Or, something along those lines. Now I personally cannot say that I have never lost money on an investment. I can say that thankfully I have made more than I have lost. I can also say that I have never lost a single red cent through the MyConstant platform.

My whole mission is to share information with other people that they could use to increase their wealth. I truly believe there is enough wealth in the world for everyone.

 I do not sell, push, or promote any get rich quick techniques or promise that you can double your money overnight. I can assure you though that with the MyConstant platform everything is explained pretty clear and what you see is what you get. I have invested several thousand dollars at a time in this platform and again, I have never lost a penny.

A quick disclaimer: I do have referral links in my articles and in the future I plan to have an affiliates page built into the site. But once again the reviews I write are my own thoughts and my own words, I share my honest opinion and if a site is great I want to pass that along. If a site is shady or I believe it to be a scam I am not afraid to point that out as well. I will have an article shortly about a crypto trading platform that scammed me out of $200.

As I mentioned I had several thousand dollars invested in MyConstant. I say “had” because I had to pull some money out of the platform to pay for a purchase we made recently. This was pretty simple and I had my money back in my account in a couple days, typical for an ACH transfer.

I am someone who does not like debt at all. I have been drowning in debt and I have been debt free (including my mortgage). I will say that debt free is definitely a better way to live your life. If you are not debt free (yet) I hope you can experience that freedom soon.

One thing that MyConstant does is it allows users to store cryptocurrencies on the site and pays interest on that digital asset. Right now I only have Bitcoin stored in the site which has been on fire during the end of 2020. I bought into Bitcoin when it was around $8,000 USD to one Bitcoin. I am always leery of these digital currencies and did not purchase very much. All in I think I have about $600 invested. With the current price of Bitcoin hovering ever so close to the $20,000 mark I could sell half of my Bitcoin and recoup 100% of my investment.

If you follow me on instagram you might have seen the post where I showed everyone the email I got from MyConstant indicating that I earned $10 USD in Bitcoin through interest. My current holdings in BTC are not substantial but the current rate of 9% APR compounded every second adds up. I plan to keep storing some BTC on the site and will continue to let that balance build.

I can say that if you are not interested in buying Bitcoin there are ways to earn crypto for free. How you ask? Well, there are sites that are called crypto fountains. You basically get a free click usually every hour or so and they reward you with small (like really small) amounts of coins. When you have enough you can transfer to a wallet. Once you have .005 worth (as of Dec, 2020 that is about $90-$100 worth) you can start earning that 9% APR.

There are many out there who do not want to even mess with crypto and I understand that. There are other ways to earn decent interest that I will cover next month. So, be sure to check back often.

Thanks for reading, please leave a comment or any questions you might have.

GFVSFTF

Fund That Flip Vs. Groundfloor

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Fund That Flip Vs. GroundFloor

I have been jumping around going back and forth with different peer to peer (p2p) platforms and have been having some pretty good experiences with some of them. As I have written about in the past I have not always had a good experience with p2p platforms.

P2P Differences

One thing I have learned is that not all p2p lending platforms are the same. There are some that are great and some that leave a bit to be desired. One thing that really sets the better ones apart is the level of due diligence the organization conducts. 

Another thing that sets some of the better ones apart is what is backing the loan. The collateral in two different platforms I am really digging at the moment is real estate. Now I generally like to compare apples to apples but in this case I am going to compare two different sites that are similar in that they both allow lenders to loan money on loans that house flippers and rehabbers get to complete house flips.

This of course is an over-simplification of what the funds are used for but for sake of brevity we can assume that the loans being made are for rehab purposes. 

One of the main differences, and this is a pretty big difference is that Fund That Flip (FTF) only allows accredited investors to invest and the minimum is $5,000.00 USD. Groundfloor (GF) is open to both accredited and non-accredited investors and allows investors to make a small start with only $10.00 USD. 

Diversification

You can obviously see with $5,000 you can either do one loan on FTF or 500 loans on GF. This is great for diversification but would you really want to track 500 different loans?

As an accredited investor I am able to invest with FTF and to use an analogy this is akin to going to the airport and waiting outside the gate for your flight to board or waiting in a business class lounge with extra comfy couches, free food, and free drinks. You can guess which of these two platforms comes with lounge access. 

Now although there is nothing wrong with going to the airport and having to sit three gates away from your flight in order to find a seat and an open outlet to charge your phone, lounge access is just so much nicer, convenient, and well worth every penny you spend on it.

Location Location Location

The loans on GF are generally smaller and they do a pretty good job of providing a breakdown of the project. There are several different aspects to look at and I first filter for non-judicial states. I prefer to only loan in states that are non-judicial meaning that in the event of a foreclosure the process can take months in lieu of years. Not only does this allow you to regain your funds quicker, it is also often times cheaper, meaning the fees associated with the foreclosure are often times less. 

GF also allows you to see what the cost breakdown is for each loan. I can view how much the borrow has invested into the loan and what the rehab estimate is and I can also see how much the borrow may potentially make. I like this because I can see how much profit there could be in a deal and invest in what I consider the meatier loans. The more potential profit the more the borrower could reduce the selling price and still make a profit, making it easier for them to sell.

FTF also has a great breakdown of the project, the costs, equity, etc. The loans I generally have invested in are larger loans (in the millions) and the funds are slowly released to the borrower as they meet deadlines and progress goals. (Remember that business class lounge?) From what I have seen both sites post regular progress reports but FTF puts “boots on the ground” they actually visit the site and see the progress or lack there of. 

I have heard some investors complain that FTF has limited opportunities available on the site. Personally I am totally OK with that. Of course I would love to see new investment opportunities posted everyday so I can cherrypick the best ones but I think by not accepting every applicant that comes looking for a loan they are able to only move forward with the best options for the investors.

Another huge difference for me is that often times the loans on GF are paid at the end of the term. FTF usually has a monthly payment that goes right back to the investors. Personally I like to see the funds coming back to me so I can stash them temporarily in something like MyConstant while I am building up another 5K to throw into another loan.

Hard Money

Both of these platforms serve as hard money lenders, they pre-loan the money to the borrower and use investor’s money to recoup the funds from those loans. I think they do this in order to speed things along, otherwise we would be waiting for hundreds or people to fund the loans and the borrowers would be waiting to get started. 

The Bottom Line

If you are an accredited investor then I would highly recommend checking out FTF. If you have not reached accredited status yet then you might want to look into GF. I will continue to use FTF as I find the loans more appealing to what I am looking for and will gradually move away from GF as I see many of the loans meeting less and less of my investment goals. 

As always if you are interested in checking out GF you can use my referral code and we will both benefit from it. 

Money Machine

Possibly My Last MyConstant Review

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This is my third review of the MyConstant platform. Will this be the last time I do so? Read to the end and find out.

This is one more update to my experiences with the MyConstant peer-to-peer (p2p) platform and here I will highlight some of the things I like and a couple of the things that I dislike.

First of all, if you have not read my previous posts on my constant you can check them out here and here. MyConstant, for those of you who do not already know is a secured non-custodial p2p lending platform responsible for linking up investors with borrowers and do so by cutting out the middle man (the banks). As a side note, I am trying to build my amount of referrals up (Sign up here) and I am compensated for that. I just wanted to be transparent about that but this is a site that I do personally use and have several thousand dollars invested through the platform.

 

These are my current active loans with MyConstant. They are all 30 day loans made at 6% APR.

The loans on Constant are underwritten and secured by an escrow system that stores cryptocurrency as collateral. So, an example would look like this. Tom would like to borrow $1,000 for 30 days. Tom would deposit a crypto coin such as Bitcoin (BTC), Etherium (ETH), or BNB (A coin developed by Binance in 2017). You might be adverse to dealing with Crypto for several reasone, but do not worry you do not need to get into Crypto anything in order to enjoy the returns MyConstant is offering. The key here is that Tom needs to deposit $1,500 USD worth of the coin as collateral. This is necessary due to the volatility in the crypto markets and ensures that the collateral could be sold to repay the loan in the event of a default.

Therefore, Harry wants to earn interest on some of his money so he loans $1,000 to Tom for a 30 day term at 6% interest. This is all done anonymously through the MyConstant platform and completed through a smart contract. In the event that Harry does not pay Tom back his principle, Tom’s crypto is sold and Harry gets repaid his principle and interest. Furthermore if the value of the collateral is diminished through market conditions, the crypto is sold to pay Harry back.

*MyConstant does allow users to top up their crypto in the event that there is a big swing in the value and allows the loan to continue without the crypto being sold.

But why would I put up my Crypto as collateral? Why would I not just sell the Cyrpto and use those funds instead of taking a loan? There are many people who believe that the value of Crypto will increase significantly which would require them to have to buy more Crypto and miss out on the price increase.

I really like the idea that my loans are collateralized. I have used other p2p platforms in the past and have been burned. You can read about it herePeer-to-peer lending, is it right for you?. Too often p2p platforms fail investors by a lack of due diligence which leaves us with losses.

I also like that I am able to chose the term of my loan. Loans are available in 30, 90, and 180 day increments with the interest rates set at 6%, 6.5%, and 7% respectively. Personally I prefer the shorter 30 day terms which I feel provides me with a more liquid position allowing me to invest in other things should a hot opportunity present itself.

MyConstant offers different rates for different lengths of time.

I wanted to try out the loan aspect of MyConstant so I went took a 30 day loan and used some of my BTC stored on the site as collateral. Now here is where I come to the point I am not a fan of. There is a matching fee of 2.5% which is OK because the site needs to generate some revenue in order to keep running. There is also an early repayment fee. I chose to terminate my loan early because I really did not need the funds, I just wanted to check out the function to have a better understanding.

The early repayment fees look like this: If you repay the loan before 3/4 of the term you will end up paying 50% of the interest that you would have incurred if you took the loan to term. If you repay your loan after 3/4 of your term (up until the due date) you will pay 100% of the interest for the term. If you repay late you will incur an additional 10% of the total interest due. I will say that there are multiple warnings and notifications of the fees before you repay any of the loans so they get a plus for the transparency.

I have pretty much covered the 4% return on the Flex account in my other articles and anyone who has ever had money in a traditional bank in the past decade knows that 4% return on your idle cash completely destroys the rates that any bank or credit union is currently offering. That also includes rates on Certificates of Deposit (CDs).

There is one more part of MyConstant that I would like to cover, and this is probably the most lucrative opportunity on the entire site. That special little portion is called the secondary market. These are where some people are willing to sell one of the loans they are invested in and get their funds back early. You might be asking yourself why you would want to buy one of those short term loans. The deal with these is that the interest rates are very high. Let me say that again. The interest rates are very high. I have seen rates as high as 137% for a few days term. Now these are APRs so that is a yearly percentage which you will only be able to earn the rate for a few days.

The way MyConstant does this is they open the option up to diamond level members (invest 100K within 180 days) and they get the first shot at trying to get these loans. MyConstant then open up the loan to all members for 10 minutes. At the end of 10 minutes the pool closes and one of the entrants is chosen (at random) to fund the loan. I have seen pool sizes of 15-30 people, so I feel confident about the odds. The problem is that they seem to always come between 7PM and 1AM and you have to be quick, 10 minutes goes by quick when you are not in the pool and very slow after you are in.

I have yet to win one of the secondary market loans but I am confident that once I reach diamond status I will increase my odds.

My final thoughts on MyConstant are pretty much in line with what I have thought since I started using them. I am a huge fan of MyConstant and I think they offer one of the best ways to grow your money securely. They only require $10 to get started with a Flex account and $50 minimum for the Crypto backed loans. I started small because I wanted to get a feel for the site and make sure it was not a scam. I now have several thousand dollars in the site that I am continually rolling over into new loans and I am thoroughly enjoying watching my money grow.

So, will this be my final update on MyConstant? I do not think so. I will continue to use this platforms as I think this is the best one I have found and once you get the hang of it, the site is easy to use.

If you have any questions reach out or leave a comment. Thanks for reading.

 

 

 

 

 

Man with stop hand up

Why I Chose Not to Invest With DiversyFund

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Why I decided not to invest with DiversyFund

What is DiversyFund?

DiversyFund is an online platform which allows investors the opportunity to invest in a public REIT under Reg A+. That means that if you are a non-accredited investor and would like to invest in companies who are raising capital to fund their own growth (up to 50M) you have the ability to do so under Reg A+.

DiversyFund invests in commercial real estate and boasts some really great returns. The advertised returns are from 10-18% and from what I could see generally fall on the higher end of the spectrum. They, similar to some other online platforms have a relatively low entry amount of $500.

Pros

Relatively low initial investment

The starting amount of $500 is becoming more common and is especially popular with younger investors who are looking for great returns but might not necessarily have much capital to start investing. This is especially beneficial to non-accredited investors and opens up access to wealth building opportunities previously reserved for accredited investors.

No Fees

There are currently zero management fees. This is really great since management fees have the ability to erode earnings and can have a substantial impact over a long period of time.

DiversyFund does some due diligence.

DiversyFund has a decent screening process and their selection criteria are good, this of course does not mean you should assume they have done everything possible to weed out bad deals. You should do some of your own due diligence, not just from a security standpoint but from a learning standpoint as well.

Cons

Limited investments available

There are limited projects to invest in on the site. Now this is not always a bad thing since I am sure many of the deals brought to them do not make it through the funnel but at the same time there are limited options available.

Geographically limited 

They are regionally focused on Texas and California. Again this is not necessarily bad as this does allow them to focus on the markets they know and are familiar with. However this also has some limiting factors in that they may be at risk from certain regulations that might be passed that could negatively impact the market.

No dividend payments

One of the main things that kept me from investing with them is that there is no regular dividends from cash flow. I feel like if I am investing long term (there are no early redemption opportunities) I want to see some periodic return from my investment.

Limited to REITs

The only investment vehicle they have are REITs. Investors are not able to select a specific property for investment and investor’s funds are spread across all the properties in the REIT. This is nice for diversification but not good if there is something such as student housing which may already make up a large portion of an investors portfolio.

Bottom line

If you are OK with not receiving dividends and are looking for an entry into commercial or multifamily real estate but only have $500 to start with, then DiversyFund might be right for you. Additionally if you are already invested in other asset classes and are looking for some diversification then this might be a good option.

I try to ensure I see dividends coming in every month. I have some like my Cardone Capital coming in every month and other like my Harvest Returns investment coming in quarterly. I am fortunate in that I am not living from those dividend payments so I am able to reinvest those funds every month.

US dollar Bitcoin

An Update to MyConstant

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I wanted to update you on what I have been doing with my constant.com account and share some of my thoughts on how the site is working for me so far.

I came across the site after a contact on instagram had mentioned it, that was about a month ago. There are several different aspects of the site and different advantages to each of them but I will just talk about the ones I have actually tried.

If you head over to the site and get past the Know Your Customer (KYC) requirements you will see that you are able to link your US bank account to the site. I know that some people are sometimes hesitant to provide personal information but providing your information helps protect against fraud and other illegal activities like money laundering.

Additionally the ability to link your bank account is great because it allows you to send money through an ACH transfer. You are also able to send a wire transfer but honestly my bank charges way too much for wire transfers. 

Zelle is a service which allows you to send money back and forth between US bank accounts and is usually pretty fast. I have Zelle but my issue is that mine is connected to a different bank account and Zelle had given me issues in the past while trying to connect multiple bank accounts so I don’t use this option but it might be quicker than the ACH transfer since it will take a couple days to get the money into your Constant account.

I am always skeptical in the beginning and I only transferred $60 as a “test run”. Once my first deposit hit my constant account it went directly into my “flex” account. 

I really like the flex account for two reasons. The first reason is that any funds in the flex account earns you a %4 return. We all know that the way current interest rates are it is impossible to find that kind of a return in any traditional account. 

The second reason I really like the flex account is the fact that this money is earning interest and is compounded every second. You might be curious what that would look like. Well, depending how much money you deposit you can literally watch the money growing. 

Something that is really cool, and I wrote about this in my first article about Constant is that they actually give you a trial deposit of $3,000. That really gets the interest machine cranking. 

Another feature that Constant has and that I have boosted my deposit level is they give you interest on three different crypto coins. The current rate is set at 9%. So, if you are like me and have a little crypto sitting in your wallet earning nothing you could be raking in 9% on that idle crypto.

The concept of giving interest on crypto deposits is something that others are starting to adopt and I think it will continue grow in popularity, especially as crypto becomes more mainstream. I will add that the others sites that are offering a return on crypto deposits are not as high as Constant’s return.

As with the Flex account the interest on your deposited crypto is also compounded every second. The counter for the crypto does not move as quickly as the one in the Flex account but if you watch it for a minute you will actually see it increasing. 

I currently have a small amount of Bitcoin (BTC) stored with them that I am holding onto in the hopes that the value spikes in the near future. If the value does shoot up to my personal sell point then I am able to transfer it out and sell it right away. 

The thing about the Flex and the Crypto accounts is that these are highly liquid, meaning you can withdraw them whenever you would like. There are no delays, lock ups, or fees which you will not find with some of the other sites who are offering similar opportunities. 

For me the whole idea of not having fees is great, and something I am always searching for. Too often sites will add a small fee to whatever plan they are offering and although it might not seem like much in the beginning those fees carnally add up over time. 

There is one more feature that I am currently using through constant that I am stoked about. It is the ability to loan your money from your Flex account at an even higher rate than the 4%. 

Although I have made several p2p loans through this portion of the site, I have yet to have any of them reach maturity. I think it would only be fair to write about this feature once the loans have gone full circle. If you check back in a couple weeks (mid September) I will have an updated post about how this is working for me.

Thanks for reading, if you enjoyed this post please share it with a friend. If you have anything to add or have more questions leave a comment.

Hydroponic-Grow

Hydroponic Farm Investment

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Have you considered adding a hydroponic farm investment to your portfolio?

Hydroponic farming could be a great way to diversify your portfolio.  This type of farming involves growing plants without the use of soil, and feeding nutrients to the plant directly at the roots. This is done with a mineral rich mixture added to the water.

One of my favorite agriculture investment platforms, Harvest Returns has just opened a unique opportunity to invest into a hydroponic farm located in Alabama.

Advantages to hydroponics

Hydroponic farming has several advantages over traditional farming. By providing an indoor growing environment crops can be closely monitored and conditions can be controlled. Indoor hydroponic farming allows crops to grow 30-50% faster and with 90% less water which allows for more crop cycles during the year. This is one reason adding hydroponic farming to your portfolio could bring bigger returns. This lucrative method of farming may yield more crops and profits for you.

Another advantage is that crops can be grown vertically allowing up to nine times the amount of crops grown in the same area then traditional methods. Vertical crops are also easier to attend and harvest which can have a positive impact on labor costs.

Demand for organics

The movement towards organically grown food has grown as consumer demand for healthier options increase and there is less desire for foods that may have been treated with pesticides. This demand is driven by the ever increasing costs of healthcare and people’s desire for healthy living as well as concerns about the earth and climate. Some studies have noted that more than half of consumers today purchase organic products occasionally. As consumer demand grows we will see more and more grocers stock organic items to meet those demands.

One of the best things about organically grown food is the taste and the freshness. Yellow Hammer Farms plans to maintain freshness by providing products to the local market. This particular location is located in Alabama west of HWY 65 in an areas designated by the USDA as a food desert. This means local stores and restaurants will have access to the products grown in this facility. This produce will be delivered within an hour drive of the location ensuring freshness as this allows food to be harvested and delivered at their peak ripeness.

Risks

There are risks associated with all investments but they are minimized in this type of investment. The grower will have liability and comprehensive insurance coverage. Additionally indoor growing provides a level of protection against frost, pests, and drought. Since there are a planned 11 growing cycles a year the grower would be able to make any needed changes in crops depending on consumer demand. This level of flexibility is unprecedented in agriculture.

The deal

If you think you might be interested more information can be found at Harvest Returns you can sign up to learn more with no obligation. 

Bottom line

Hydroponic farming could be a great way to diversify your portfolio, with higher profits and lower risks.

 

 

 

 

HARVESTSNIP

Harvest Returns

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Harvest Returns

Why diversifying into agriculture is great

You know that your portfolio should be diversified in order to protect yourself from market volatility but I bet you have not considered agriculture. As the earth’s population continues to grow and the amount of arable land decreases income producing farm, timber, and ranch land values will increase substantially. Agriculture is might not be as attractive as Tesla stock but agriculture as an asset class has been a solid investment for decades.

Where to find deals

You might be wondering how to go about investing in farmland, well fortunately there is a company called Harvest Returns. This platform makes it easy to invest in agriculture. Harvest Returns has a myriad of different opportunities.

If you read my post about diversification then you know how important it is in order to protect your wealth from a downturn in the market. One way to hedge against risk is agriculture, which offers diversity within itself. There are various different options from livestock to row crops, indoor hydroponic opportunities even hemp and timber crops. Not only do these present different sectors to invest in, they can be located in many different geographic locations which is a form of diversification itself.

A couple reasons I really like investing in these opportunities is that they are passive and are a great way to hedge against inflation. Additionally they allow each investor the ability to tailor their investment to their own risk vs reward requirement.

Returns

I have also seen some very attractive rates if return in the agriculture sector. Some of the higher returning investments are overseas or in very niche sectors like hydroponics and hemp farming. I have personally invested into some of the livestock options which have a great track record and pay a handsome quarterly dividend.

The downside

Because these investments are generally long term these are something I would not consider as a very liquid investment. That being said however these investments can at times have shorter terms but still provide a nice return. The longer term investments tend to be on tree farms or crops such as almonds. But if you are willing to wait the longer time periods I believe all of these types of investments will appreciate nicely.

The bottom line

If you are looking to further diversify into an asset class that is not as liquid as some other assets and time is not a major issue for you you might consider looking into Harvest Returns. Many opportunities are open to non-accredited investors and some offering start as low as $5,000.