Save or invest?

November 10, 2017

Building wealth and acquiring financial independence are constantly on the top of most of our minds. The strategic assessment relating to the best avenues for preserving capital and the correct allocation of one’s finances holistically between savings and investments is a critical part of a personal financial strategy. Delving into the crux of the choices you have between how much to save and how much to invest is an essential part of your financial wellbeing. Furthermore, when you do decide to start investing, where can you find good value for your money while keeping it safe?

Definition of Saving Money

The act of setting aside cash in safe bank accounts and securities (such as US Treasury bills) in a liquid environment which enables you to access the full amount in a fairly short time. These funds can act as a cash reserve for a rainy day, a volatile financial period or for a planned retirement when you might to utilize them.

One should almost always work on saving money prior to making investments. This comes from the perspective that the savings that you have form the financial ground for your financial trees to blossom. Your savings will provide you with the required capital to grow and nourish your investments. Over and above saving for the future you should be financially able to cover fixed personal expenses which include rent, mortgages, insurances and food bills up to a number of months over and beyond your pay check. This will reduce the pressure of having to scramble for financing if you were to lose your income tomorrow. Furthermore, savings are a continuous long term strategy to undertake, no matter what size your investment portfolio accounts to.

Definition of Investing Money

When investing you utilize your own capital to acquire assets that you believe will provide a safe rate of return after a specific amount of time, with the aim of acquiring a greater level of wealth. There are a multitude of types of investments and investment time periods also vary. The level of risk taken usually increases the volatility level of the stakes in your investment. When starting to invest it is recommended to invest in stocks, bonds and real estate which are classified as the productive asset class. The value of the assets in this class will appreciate over time and/or can produce a cash return.

Investment in Real Estate as a Good Way to Begin

Real Estate investments are one of the preferential long-term capital building avenues to take when starting to build an investment portfolio. Diversification within this investment class undertaken in a methodological manner of minimizing risk and not overexposing yourself is highly recommended. The real estate market works independently from the stock market and has been a mainstay part of investment policy for many decades. Real estate in general has shown greater performance in comparison to equities on a year to year basis and can also serve to protect the investor from inflation, as rental rates can be raised accordingly.

The opportunities available today on real estate social investment platforms have enabled new investors to enter a previously accredited investors market, and take part in equity deals starting from as low as $25,000. Owning a piece of a much larger project, along with experienced investors who have great access to deals and the knowledge to conduct the needed due diligence, is an empowering aspect which is driving more and more new investors to enter the market. It is now possible to conduct entire processes online with the ability to circumvent bureaucracy and utilize the wisdom of the masses to facilitate better decision making in shorter periods of time.
Are you interested in exploring some of our investments? Join us today for additional information.




Explore our recent investment offerings

  • open

Chestnut Heights Townhomes – Olathe, KS

  • Olathe, KS

  • Multifamily

  • Equity

  • Min Investment


  • Duration

    18-36 Months

Join iintoo's Community

We’ve made it easy to connect with fellow investors so you can enjoy a wealth of real estate investment experience. Join our family today to share, learn, and invest with the best minds in the industry.

Start Now

*When we refer to “Equity Protection” we are referring to an arrangement where iintoo epiic GP LLC, the general partner of each covered issuer (“Covered Issuer”), promises that, even in the event the underlying project is not profitable or records a loss, the investor in the Covered Issuer shall receive a specified amount equal to the original principal investment he/she/it provided (less other amounts already received by such individual investor during the course of the investment) subject, however, to significant limitations including but not limited to repayments for losses in the Covered Issuer are only made up to a maximum amount of funds available from the retention account and the policy (where such policy limit may be less than the total amount invested), repayments are on a first come, first serve basis, and losses are aggregated across Covered Issuers subject to the same retention account and policy. iintoo epiic GP LLC, and not investors, is a party to the policy with Everest Insurance®. As a result, investors have no direct legal rights under the policy. In addition, beyond use of the Equity Protection proceeds from the retention account and the policy, neither iintoo epiic GP LLC nor the Covered Issuer has any obligations to indemnify investors for losses. For more information, please see “Business of the Company—Equity Protection” and “Risk Factors—Risks related to the Equity Protection” in any of our issuers’ private placement memoranda.

The above may contain forward-looking statements. Actual results and trends in the future may differ materially from those suggested or implied by any forward-looking statements in the above depending on a variety of factors. All written and oral forward-looking statements attributable to us or persons acting on our behalf are expressly qualified in their entirety by the previous statements. Except for any obligations to disclose information as required by applicable laws, we undertake no obligation to update any information contained above or to publicly release the results of any revisions to any statements that may be made to reflect events or circumstances that occur, or that we become aware of, after the date of the publishing of the above.

Private placements of securities accessible through the iintoo™ social network real-estate investment platform (the “Platform”) are intended for accredited investors. Such private placements of securities have not been registered under applicable securities laws, are restricted and not publicly traded, may be subject to holding period requirements, and are intended for investors who do not need a liquid investment. These investments are not bank deposits (and thus are not insured by the FDIC or by any other federal governmental agency), are not guaranteed by and iintoo Investments Ltd. (“iintoo”) or any third party working on our behalf, and may lose value. Neither the Securities and Exchange Commission nor any federal or state securities commission or regulatory authority has recommended or approved any investment or the accuracy or completeness of any of the information or materials provided by or through the Platform. Investors must be able to afford the loss of their entire investment.

Equity securities are offered through Dalmore Group LLC. (“Dalmore”), a registered broker-dealer and member of FINRA/SIPC. Any real estate investment accessible though the Platform involves substantial risks. Any financial projections or projected returns are projections only, and iintoo makes no representations or warranties as to the accuracy of such information and accepts no liability therefor whatsoever.

Investors should always conduct their own due diligence, not rely on the financial assumptions or estimates displayed herein, and should always consult with a reputable financial advisor, attorney, accountant, and any other professional that can help them to understand and assess the risks associated with any investment opportunity. Any investment involves substantial risks. Major risks, including related to the Equity Protection and/or the potential loss of some or all principal, are disclosed in the private placement memorandum for each applicable investment.

Neither iintoo nor its affiliates nor Dalmore Group LLC makes investment recommendations nor do they provide investment advisory services, and no communication, including herein or through the Platform or in any other medium should be construed as such.

iintoo, its employees and affiliates are not insurers or insurance brokers, and do not offer insurance services, advice or information to new or existing investors.
Insurance is provided to Iintoo epiic GP LLC (and placed through Cobbs Allen, a licensed insurance intermediary) by Everest Insurance®, subject to all of the terms and conditions of the applicable insurance policy, to support iintoo’s equity protection undertaking as further specified and described in the confidential offering materials of iintoo. Everest Insurance® is not a sponsor or promoter of any offering described herein.

The Terms of Use regulating your use of the Platform can be found at:
The Platform’s Privacy Policy can be found at:
By accessing this site and any pages thereof, you agree to be bound by our Terms of Use and Privacy Policy.

About Everest®
Everest Re Group, Ltd. is a Bermuda holding company that operates through the following subsidiaries: Everest Reinsurance Company provides reinsurance to property and casualty insurers in both the U.S. and international markets. Everest Reinsurance (Bermuda), Ltd., including through its branch in the United Kingdom, provides reinsurance and insurance to worldwide property and casualty markets and reinsurance to life insurers. Everest Reinsurance Company (Ireland), provides reinsurance to non-life insurers in Europe. Everest Insurance® refers to the primary insurance operations of Everest Re Group, Ltd., and its affiliated companies which offer property, casualty and specialty lines insurance on both an admitted and non-admitted basis in the U.S. and internationally. The Company also operates within the Lloyd’s insurance market through Syndicate 2786. In addition, through Mt. Logan Re, Ltd., the Company manages segregated accounts, capitalized by the Company and third party investors that provide reinsurance for property catastrophe risks. Additional information on Everest Re Group companies can be found at the Group’s web site at

© 2020 iintoo Investments Ltd. All Rights Reserved.