T-Blocks

Key Risks

Investment Risk Warnings

T-Blocks does not remove any of the risks that you may experience should you acquire a residential property directly and outright (i.e. without a mortgage). Some additional risks are introduced by virtue of shared ownership and the timing of your exit. We encourage you to diversify your T-Blocks investments across multiple properties to safeguard against excessive exposure to any one property that could incur issues such as tenant default or a problem specific to that property that impacts valuation. A decision to invest is a personal investment decision by you and no responsibility for the consequences of that decision is accepted by T-Blocks or by any of its directors, agents, employees or other partners.

Variable Income

Investment, whether in new or existing companies, carries high risks as well as the possibility of high rewards. Investing in these properties or regions may involve a significant risk of losing part of your investment due to a potential housing market crash or another black swan event that may affect directly or indirectly your investment. Whilst T-Blocks provides gross rental income estimates based on information from third parties, these are not guaranteed. It may be that lower rents are secured. Furthermore, rental income could cease completely for certain periods. In the event of a tenant failing to meet its obligations to the owner of the property, investors will experience a fall in the cash receipts and cash available for distribution to them. From time to time, vacancies can be expected to arise in the operation of real estate assets. In some cases, sizable vacancies may mean there is less cash available for distribution to investors.

  • Investment in real estate is speculative, the market value of the property can fall and rental income is not guaranteed;
  • Forecasts and past performance are not reliable indicators of future performance.
  • The real estate market can experience a downturn affecting your property valuation

The value of your T-Blocks investment can go down as well as up and historic performance is not a guide to future performance. Achievement of rental and capital returns will depend on a range of factors including the property asset as well as the wider economy. A fall in the value of your investment may be due to a number of reasons, such as a fall in the underlying value of the property or a problem with the property that will need to be funded from future rental income. Real estate investments can perform in a cyclical way, and values may increase or decrease accordingly. Economic, political and legal issues can affect values as they would other asset classes. Any future downturn in the real estate market could materially adversely affect the value of the property resulting in partial or complete loss and income generated from a property investment. Investors are to individually assess and establish their level of comfort with this risk from the outset. If for any reason the operator ceases to carry on its business, investors may lose their capital money, incur costs or experience delays in the investment being wound up. You should only invest an amount you are willing to not move for at least 3 years and should build a diversified portfolio to spread risk. If a property you invest in does not deliver the projected APY or does not appreciate in price,T-Blocks is not held liable.

Liquidity

Liquidity is the ease with which you can sell your investments after you have purchased them. As an investor, you should be aware that there are very few markets or exchanges set up for the trading of these investments, and it may be difficult or impossible to find a buyer to purchase them. Investments through T-Blocks should be viewed as long term and sometimes illiquid investments. 

As there may not be anyone willing to buy your investment at a price that you deem reasonable (or buy it at all). In that event you will be required to wait until the end of the investment term for an exit. Even at this point, the timing and ability to exit will depend on completion of a transaction to sell the underlying property. This transaction could take several months.

In case of illiquidity, T-Blocks may offer the client the possibility to list part of the tokens in other security trading platforms on a secondary market.

Diversification

Diversification by spreading your money across multiple investments will reduce investment risk. You should only invest a portion of your available investment funds via T-Blocks and balance your T-Blocks investment with different investment classes. Please note that diversification does not assure a profit or provide a guarantee against investment loss.

DISCLAIMER

T-Blocks does not give investment advice or provide analysis or recommendations regarding investment opportunities. All information is provided to help you make your own informed decisions. You must rely on your own due diligence before investing. T-Blocks takes no responsibility for this information or for any recommendations, opinions or predictions. You should seek your own independent legal and financial advice.