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What is YieldStreet?

Yieldstreet is one of the top platforms online for alternative investing.

One thing that sets Yieldstreet apart is the variety of investment options they have. Whether you’re looking for art, short term notes, private equity, or venture capital, Yieldstreet has it and more.

They use crowdfunding to make these investments more accessible to the common person, helping investors diversify in ways they wouldn’t be able to otherwise.

Yieldstreet charges fees between 1-4%, depending on the investment. More on their fees, as well as pros and cons, in this Yieldstreet review.

They focus on investing in individual investments, and give you information to make informed decisions and build your own custom portfolio.

Returns can be high with Yieldstreet, but they also come with high risk.

YieldStreet Credentials

As the idea progressed, the number of crowdfunding platforms and P2P campaigns saw a staggering rise. All of them aimed to democratize the investment market and give the typical investor a fair chance. But, how can you figure out if YieldStreet is the perfect platform for you from the lot?

What makes this alternative platform stand out is the popularity and credentials it has bagged since 2015. It has been featured in leading investment magazines such as Forbes, Tech Crunch, and even The Wall Street Journal.

Besides that, it was named as the fastest-growing private company in the US by Inc. In 2018, at the Benzinga Global FinTech Awards, YieldStreet won the “Best Alternative Investment Platform” award. And why not?

The P2P crowdfunding platform has made about 396,000 payments to date and has given back about $398M to investors as investment returns.

After reviewing the platform closely, we found out that the secret of its excellence and reliability lies in its transparent investment policy.

Who is Yieldstreet Best for?

Yieldstreet is best for investors seeking to diversify their portfolio outside of the stock market through income generating assets.

Yieldstreet has offerings for both accredited and non-accredited investors, but accredited investors have a much greater deal variety and offerings available to them. Non-accredited investors seeking to diversify their portfolio may have better opportunities with Fundrise or Wefunder.

Yieldstreet would not be a great app for new investors. While there are a lot of good, educational articles that easily defines their unique industries and offerings, the very nature of these alternative investments can take years to understand. Investing in wine, motorcycle loans, and vessel deconstruction is probably not the starter portfolio an emerging investor class would be looking for.

Minimum Investment

For Yieldstreet’s primary offerings, the minimum investment is $10,000, depending on the investment. The Yieldstreet Prism Fund, however, has a minimum of $2,500.

Investment fees

Yieldstreet charges a management fee on all of their offerings, and they range from 1-4%. Fees on their Prism Fund are 1.5%.

Asset-based Investments Only

Upon seeking funds from YieldStreet, the borrower has to present a verifiable asset to the company. The collateral can range from real estate to a vehicle, industrial equipment, or even a legal case.

Investments Should Have a Low Stock Market Correlation

The investment returns from YieldStreet will not follow the stock market. This makes it a safer, low-risk option as their returns will not be affected by the rise and fall of the stock market.

Experienced Management

YieldStreet makes sure that every investment they make is managed by an expert team in that particular niche. This helps mitigate risk factors in your investments and startup returns.

Targets Short-Term Loans

Since most of YieldStreet’s investment is in loans, the platform targets loans that have short durations. This ranges from one to three-year loan terms. By using this strategy, the company can reinvest their funds and reduce investment risks as well.

8-15% Annual Returns

Investments at YieldStreet aim to get their investors an annual profit of about 8-15%.

YieldStreet performs its due diligence to each investor according to these five points. If the candidate does not meet all five points, the loan will not be approved.

Yieldstreet right for you?

Yieldstreet is better if you:

• Are looking for alternative investments outside of real estate
• Want shorter investment time periods
• Want riskier and more speculative investment offerings
• Are not accredited and want an easy way invest in alternative investments; consider the Prism Fund

How to Sign Up for YieldStreet

If you’re intimidated by the policies and selection criteria by YieldStreet, you don’t need to be. The process for signing up on the platform is relatively straightforward, and with their online wallet, the funds will be accessible almost immediately.

All you have to do is select the signup button located on the top right corner on the homepage. After you’ve created your account, you can select from a variety of investment opportunities.

Once you’ve chosen an investment opportunity, you’ll have to enter the amount you wish to invest and start investing immediately.

The website has its online wallet system that helps you track and transfer your funds. If you select a pre-funded wallet, you’ll be able to manage your funds without further ado. Also, you can choose to delay the funding for up to two days if you don’t have any balance in your wallet.

If you don’t want to use the YieldStreet Wallet to transfer your funds, you can select wire transfer, or even link your account to your existing bank account.

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