Fundrise Review 2025: Risks, Returns & How It Works (2026)

Saving money on fundrise review risks returns does not have to be complicated. We rounded up the essentials so you can spend less and skip the guesswork.

Key Takeaways

• Fundrise Review 2025: Risks, Returns & How It Works Fundrise seeks to make investing in real estate (and now venture capital) as easy as...
• Starting at $10, investors can get access to a portfolio of diversified holdings.
• Here's a look at the risks, possible returns, and what to know before getting started.

Fundrise Review 2025: Risks, Returns & How It Works

Fundrise seeks to make investing in real estate (and now venture capital) as simple as possible. Starting at $10, investors can get access to a portfolio of diversified holdings. Here's a look at the risks, possible returns, and what to know before getting started.

Written by Jeff Proctor Last Updated: July 22, 2025 Reviewed by Ben Huber

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Disclosure: I’ve been investing with Fundrise since May 2024. This testimonial is written in partnership with Fundrise, and I earn a commission if you sign up through links in this article. All opinions are my own. While this investment deviates from my usual passive index fund strategy, my time as an investment analyst at a wealth management firm shaped this review. There are no conflicts of interest to disclose.

Investing in real estate can seem daunting, especially for those new to the scene. Platforms like Fundrise are making it easier for everyday investors to enter a market previously only accessible to big players.

Recently, Fundrise has taken a step further by introducing venture capital investing to its suite of services. As both a financial writer and an investor, I was intrigued to see what Fundrise has to offer.

I’ve since explored Fundrise firsthand, diving into its real estate and new venture capital options. Today, I share my experiences with the platform’s costs, potential returns, and risks involved. If you’re considering investing or looking to diversify your portfolio, understanding how Fundrise works can mean the difference between appreciable returns and unwelcome losses. 

Learn More $10 Account minimum $1,000 for IRAs 1-2% Annual Fees of AUM

DollarSprout Rating

Fundrise is an online real estate and venture capital investment platform that allows individuals to access investments generally not available to the general public. By pooling investments, Fundrise provides access to these markets with a low minimum investment, making it accessible to a broader range of investors.

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Pros:

• Open to non-accredited investors
• Low investment minimum
• Historically strong returns with lower volatility

Cons:

• Limited liquidity
• High fees
• Methodology hasn’t been tested in a strong market downturn yet

Three Main Offerings from Fundrise

Fundrise provides a range of specialized funds that include real estate private equity, venture capital, and private credit, investment opportunities that, in the past, were typically available only to institutional investors.

The idea here is that since Fundrise has such a large pool of investors, they have more collective power and can access these more exclusive investments. However, exclusive doesn’t always mean better. More on that later.

Investors who choose Fundrise can customize their portfolios based on their specific goals. The offerings include a variety of strategic options such as:

• Developing rental housing in the Sunbelt region,
• Investing in late-stage, high-growth private technology companies, particularly focused on artificial intelligence and machine learning,
• Acquiring industrial properties, including last-mile distribution warehouses and data centers, and
• Engaging in bridge loan financing for real estate deals.

Regardless of which portfolio you choose, Fundrise is designed for long-term investors, especially those who can invest for at least five years. The platform focuses on real estate and venture capital, areas typically not simple to pull money out of quickly. Since it’s not liquid, that also means won’t see your portfolio value fluctuate daily like you would for a normal portfolio of stocks or ETFs.

Recognizing that some investors might occasionally need to access their funds, Fundrise does offer a chance to cash out quarterly without penalty. This setup is designed for people who are prepared to commit their money for the long haul and understand that while their money may grow, accessing it isn’t immediate.

Related: How to Start Real Estate Investing (Beginner’s Guide)

Fundrise Cost & Portfolio Performance 

At the end of the day, these are the only two things that I really care about when it comes to investing.

Cost and performance are also the two reasons that I primarily invest in index funds: they are extremely affordable and they match the performance of the market. Beating the market is hard, but matching it is simple. So how does Fundrise stack up?

First off, investing in Fundrise is not affordable.

Every fund has a 0.15% advisory fee, which is already higher than most index funds, but it’s not unreasonable. The real kicker though is the management fee, which is an additional fee on top of the advisory fee. And this is not a small fee.

For real estate funds with Fundrise, the yearly management fee is 0.85%, which means the total fee is 1% of your invested assets, every year, for as long as you invest.

Think of this as compound interest, but instead of workingFinal Thoughts

The bottom line: a little research on fundrise review risks returns goes a long way. Compare your options, watch for seasonal offers, and never pay full price when a better deal is one click away.

Originally published at dollarsprout.com.