Investing capital or buying a property: how to choose

At Caribea you can join a project in two ways. Neither is better than the other: it depends on what you’re looking for, your time horizon and how involved you want to be.

Investing capital

You put money into a club project and receive a 10% return in the first year and 12% in the second, exiting at 24 months. You don’t buy a specific home and there’s nothing to manage.

Example: with USD 100,000, at the end of the term you would receive USD 122,000: your capital plus USD 10,000 from year one and USD 12,000 from year two.

It suits you if:

• You want a fixed term and to know from the outset how much you’ll receive.
• You don’t want to deal with rentals, maintenance or resales.
• You’d rather diversify without tying your money to a single home.

Buying a property

You buy a specific home in one of our projects: a resort apartment or a villa with a pool. It’s yours, with its Certificate of Title, and you can use it, rent it out or sell it whenever you like.

It suits you if:

• You want your own place in the Caribbean for holidays.
• You’re interested in long-term holiday-rental income.
• You’re looking for the property to appreciate over the years.

For new builds, payment is split into a payment plan tied to construction progress, which you can follow in the app with reminders before each due date.

Both at once

Many members combine them: part in capital, with a short and known term, and part in a home for the long run.

What to bear in mind

• Every investment carries risk, including the loss of part or all of your capital.
• The exact terms of each project are in its participation or purchase agreement: read it with your adviser.
• When you buy a property, rental returns depend on occupancy, which is not guaranteed.

Torn between the two? Fill in the questionnaire on the website and we’ll suggest the one that suits you best.

This guide is for information only and is no substitute for professional legal or tax advice. Rules and figures may change.