Your first investment

How much is the minimum investment?

Your first investment must be at least $100,000 USD. After that, you can invest in increments of $50,000 USD or more.

The Hinoki Fund is divided into shares, each with its own share price. When you invest, you'll receive shares based on the current share price. Your total investment value equals the number of shares you own multiplied by the current share price.

You must be a Singapore Accredited Investor to invest in the Hinoki fund.

How does the share price change?

We recalculate the share price monthly using Net Asset Value (NAV). This is a standard calculation:

NAV = (Total Fund Assets - Total Liabilities) ÷ Number of Shares

The NAV reflects the real value of the fund's property portfolio, rental income, and any outstanding costs. Your share price updates automatically each month to match the new NAV.

Will share price changes affect my dividends?

Share price movements don't directly impact your dividend payments. Here's why:

Dividends come from rental income, which we distribute quarterly. The amount you receive depends on:

• Number of shares you own
• Rental income generated that quarter
• Fund operating expenses

Share prices reflect portfolio value, which can fluctuate due to:

• Property valuations
• Capital gains from property sales
• Changes in liabilities

The property portfolio managed by our team has generated consistent rental income over 20 years of operations. Property investments like ours show different volatility patterns compared to crypto or daily-traded stocks. However, past performance doesn't guarantee future results, and your capital is at risk.

Most Hinoki investors focus on long-term dividend income rather than trading shares for capital gains.

How much should I invest?

What is the expected return?

Based on the historic performance of the properties managed by our team, rental yields have averaged 4-5% annually after tax and expenses.

Important: This is based our partner, Chateau Life's property management track record, not the MoreHarvest Hinoki Fund. Past performance is not a guarantee of future returns. Your actual returns may be higher or lower.

How long should I hold my investment?

The Hinoki Fund is designed for long-term investors seeking stable dividend income from property rental.

Japanese residential property prices have shown stability over recent decades. The properties our team manages have maintained consistent occupancy rates above 90% over 20 years of operations. However, property values can still fluctuate, and market conditions may change.

Minimum holding period: There's a 1-year maturation period before you can sell shares and receive dividends. Learn about how to sell shares. 

How can I check on my investment?

How can I track my investment?

You can monitor your investment through our web, iOS, and Android apps. Features include:

Real-time portfolio tracking

• Current share price and NAV
• Number of shares you own
• Total investment value
• Dividend and transaction history

Property performance data

• Occupancy rates (updated quarterly)
• Rental income (updated quarterly)
• Historic property performance

Full transparency

• Property ownership certificates
• Tax documentation

We designed the app through extensive user testing to make property investment tracking simple and clear.

Can I sell my shares? When?

You can request to sell your shares at any time, but there's a 1-year maturation period from your investment date.

If you sell before 1 year:

• You receive no dividends
• The 1% annual management fee is still deducted
• You receive the current NAV share price minus fees
• Standard bank transfer fees apply

If you sell after 1 year:

• You receive all dividends earned
• You receive the current NAV share price minus applicable fees
• Standard bank transfer fees apply

We will process the sale of shares within 10 working days of receiving them. 

Learn about how to sell shares here.

What are the fees?

One-time fees:

• Account setup: $100 (covers KYC verification and account creation)

Ongoing fees:

• Annual management fee: 1% of your total investment value
• Deducted from your dividend before distribution
• Covers property management, fund administration, technology, and legal compliance

Transaction fees:

• Bank transfer fees apply when receiving dividends or sale proceeds
• Fees vary by bank and transfer method
• Typically $10-30 per transfer

No performance fees. Unlike many property funds that charge 10-20% of returns, we only charge the 1% management fee.

Learn more about our fees here. 

What do the fees cover?

Your management fee and setup fee cover:

Property operations:

• Property maintenance and repairs
• Property expenses such as power to shared spaces
• Tenant management and leasing
• Rent collection
• Property inspections

Fund administration:

• Monthly NAV calculations
• Financial reporting and audits
• Regulatory compliance (MAS, CIMA)
• Legal and accounting services

Technology:

• App development and maintenance
• Security and data protection (ISO27001 compliance)
• Customer support and operations

Investor services:

• KYC and onboarding
• Dividend processing
• Document management
• Performance reporting 
• eStatements

Risk Warning

Property investment carries risk. The value of your investment can go down as well as up, and you may not get back the full amount you invested. Dividends are not guaranteed and may vary based on fund performance. This is not financial advice. You should seek independent financial advice before investing.

Past Performance Disclaimer

References to historical performance relate to Chateau Life's property management operations, not to the MoreHarvest Hinoki Fund, which has not yet launched. Past performance is not a reliable indicator of future results.

Eligibility

The Hinoki Fund is only available to Singapore Accredited Investors as defined by the Monetary Authority of Singapore.