Fundrise vs. Yieldstreet 2025: Investment Minimums, Fees, and Features Compared
Explore an in-depth 2025 comparison between Fundrise and Yieldstreet, two leading real estate crowdfunding platforms. Discover which suits your investment style, budget, and financial goals best.
Fundrise vs. Yieldstreet: Choosing the Ideal Real Estate Crowdfunding Platform for 2024
Fundrise and Yieldstreet are prominent players in the real estate crowdfunding arena, catering to both accredited and non-accredited investors with diverse investment goals such as growth, income, or a balanced portfolio. Despite their shared focus on real estate, their approaches and target audiences differ significantly.
Fundrise appeals primarily to beginner investors and those with limited capital, featuring a remarkably low minimum investment of just $10 for standard accounts and $1,000 for IRAs. Yieldstreet, conversely, is tailored for sophisticated investors and high-net-worth individuals, requiring a minimum investment of $10,000 and predominantly serving accredited investors. Yieldstreet also distinguishes itself by offering a broad array of alternative investments beyond real estate, earning recognition as a top platform for alternative investment opportunities.
Fundrise Highlights
- Fees: 0.15% advisory fee plus 0.85% for real estate funds and 1.85% for the innovation fund; Fundrise Pro membership costs $99/year
- Minimum Investment: $10 for investment accounts, $1,000 for IRAs
- Open to Both Accredited and Non-Accredited Investors
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Key Fundrise Benefits:
- Accessible low entry point for new investors
- Four tailored investment plans: supplemental income, balanced investing, long-term growth, and venture capital
- Customizable portfolios with Fundrise Pro membership
Yieldstreet Highlights
- Fees: 1%–4% annually, varying by investment type
- Minimum Investment: $10,000 (some deals require more)
- Primarily for Accredited Investors; limited options for non-accredited
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Key Yieldstreet Benefits:
- Diverse investment options including real estate, venture capital, private equity, art, legal finance, and more
- Accredited investor focus with one alternative income fund available to non-accredited investors
- Robust platform for alternative asset classes
Account Setup Process
Fundrise offers a quick and user-friendly registration, starting with an email and password, followed by a short questionnaire that aligns investment plans with user goals. Investors can select from four preset strategies or upgrade to Fundrise Pro for enhanced portfolio customization.
Yieldstreet’s onboarding also involves a detailed questionnaire addressing experience, goals, investment preferences, amount, and style. Due to regulatory requirements, accreditation verification is necessary for most investment options.
Summary
Both platforms streamline account creation, but Yieldstreet requires additional accreditation steps for certain investments.
Core Features Comparison
Both Fundrise and Yieldstreet provide curated and customizable portfolios with dividend reinvestment and cater to a broad investor base. Fundrise’s funds focus on income, growth, balance, and venture capital, while Yieldstreet expands into multiple alternative asset classes. Fundrise’s low minimum investments make it accessible to beginners, whereas Yieldstreet’s higher thresholds align with institutional investors.
Summary
Fundrise is ideal for new and budget-conscious investors, while Yieldstreet appeals to those seeking diversified alternative investments with higher capital.
Fee Structures
- Fundrise: Transparent fees with a 0.15% advisory fee plus specific fund management fees (0.85%–1.85%)
- Yieldstreet: Variable fees from 1% to 4%, disclosed per offering
Summary
Fundrise generally offers lower fees, especially for non-accredited investors, while Yieldstreet’s fees reflect its specialized offerings.
Transparency and Reporting
Fundrise provides clear communication on fees, liquidity, and investment updates, including quarterly letters and monthly insights. Yieldstreet offers detailed fee disclosures and regular account statements but typically enforces longer lock-up periods on investments.
Summary
Both platforms maintain high transparency, with Fundrise offering more frequent liquidity options.
Liquidity Options
Fundrise allows quarterly or monthly liquidation requests depending on the fund, with some penalties for early withdrawal on specific funds. Yieldstreet’s investments mostly require longer holding periods (up to five years), with limited liquidity available quarterly only in the Alternative Income Fund.
Summary
Fundrise is better suited for investors seeking more flexible access to their capital.
Investment Selection
Fundrise offers funds focused on private credit, real estate, and venture capital sectors like AI and fintech. Yieldstreet provides a wider range of asset classes, including art, legal finance, private equity, and structured notes, catering to various investment strategies such as growth, income, and balanced portfolios.
Summary
Yieldstreet leads in diversification, while Fundrise provides more real estate sector variety.
Educational Resources
- Fundrise: Extensive Help Center, educational articles, a podcast series, and an active YouTube channel
- Yieldstreet: Insightful articles, Help Center, and a YouTube channel with educational content (less frequently updated)
Summary
Fundrise slightly outperforms with multimedia educational content including podcasts.
Customer Support
Fundrise offers email-based support and a chatbot with preset responses but lacks live phone support. Yieldstreet provides phone support, email, chatbot assistance, and social media engagement, delivering more direct communication channels.
Summary
Yieldstreet offers superior customer service accessibility.
Final Thoughts
For investors with limited funds or beginners, Fundrise’s low minimums, affordable fees, and liquidity options make it a compelling choice. High-net-worth and accredited investors seeking diversified alternative investments may prefer Yieldstreet’s extensive offerings despite higher entry requirements and longer holding periods.
Legitimacy and Performance
Fundrise: Founded in 2012 with over 385,000 investors and $7 billion in assets, Fundrise is SEC-registered and transparent about risks and historical returns.
Yieldstreet: Established in 2015, Yieldstreet boasts over 450,000 investors and $3.9 billion invested, with net annualized returns around 9.7%, backed by comprehensive performance data.
How We Evaluate Real Estate Crowdfunding Platforms
Our 2024 review process involved extensive research, data analysis, and hands-on testing of 19 platforms, focusing on 38 criteria grouped into eight weighted categories including fees, investment selection, liquidity, transparency, and educational resources, ensuring an objective and thorough assessment.
Disclosure: We earn commissions for endorsements of Fundrise.
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