You can earn from rental income and from selling your stake for more than you paid. Here’s how income is shared, what costs are deducted and why an increase in property value is different from money paid into your wallet. Neither income nor profit is guaranteed.
Rent can provide income during your investment. An increase in property value may give you a profit when the property or your stake is sold. The amount you receive depends on costs, the sale price and the investment terms.
Use the slider to explore this example over different periods.
This example assumes you reinvest every income payment. In an actual investment, rent collected first covers property expenses and fees. The amount available for investors is then shared according to their stakes and the property’s payment schedule.
44% of the total returnThis is a possible increase in your stake’s value, not money available to withdraw. Your actual gain or loss depends on what the property or your stake sells for, after costs.
56% of the total returnBased on a ₦1,000,000 investment, an assumed annual rental yield of 12% and annual growth in property value of 16%, with monthly income reinvested. These are illustrative assumptions, not Shard forecasts. Taxes, vacancies, sale costs and currency movements are excluded. Actual returns may be lower or negative.
Owning a rental property comes with expenses. Property management, taxes, insurance, reserves and applicable Shard fees are deducted from rent collected. The amount available for distribution is then shared among investors according to their stakes and the investment terms.
Breakdown. Actual expenses, fees and payment schedules vary by property.
Rent collected first covers the property’s expenses, fees and money set aside for future needs. The amount approved for payment is then shared among investors according to their stakes.
Having tenants matters, but so does collecting their rent. Empty units, late payments and unexpected repairs can reduce your income. Each property’s investment documents explain its payment schedule.
If a property’s estimated value rises, the value shown for your stake may rise too. That increase does not put money in your wallet.
For example, a stake bought for ₦1 million may later be valued at ₦1.2 million. The ₦200,000 increase is an estimated gain. What you actually receive depends on the sale price and costs when the property or your stake is sold. Values can also fall.
You can choose to put income you receive into another available investment. That increases the amount you have invested and may generate additional income over time.
The calculator assumes every payment is reinvested immediately. In practice, reinvestment is your choice and depends on available opportunities and their minimum investment amounts. You may need to accumulate several payments before investing again.
The calculations use assumed rates to explain how returns work. They are not actual Shard results or forecasts, and exclude taxes, vacancies, currency movements and sale costs.
Before investing, review the figures, fees and risks for the specific property. Income can reduce or stop, and you could lose money.
Past performance does not guarantee future results. Risks and exit terms