Alternative Investment Terms Scanner

Analyze fractional art, wine, collectibles, and alternative asset terms for illiquidity traps and hidden fees.

Masterworks Yieldstreet Rally Vinovest

Alternative Investment Provisions I Check First

Fractional ownership of art and collectibles sounds exciting—until you can't sell.

No Secondary Market

High Risk

Many platforms have no functioning secondary market. Your money is locked until the asset sells—which could be 5-10+ years or never.

Look for: "No guarantee of secondary market" or "liquidity not assured."

Stacked Fee Structure

High Risk

Acquisition fees (1-5%), annual management (1-2%), storage/insurance, and sales fees (20%+ of profits). Returns must clear high hurdles.

Look for: Sourcing fee, management fee, carry, storage fee, insurance fee.

Valuation Uncertainty

High Risk

Art and collectibles don't have market prices like stocks. Platform valuations may be optimistic. Actual sale price often disappoints.

Look for: "Appraised value" or "estimated value" disclaimers.

Minimum Hold Period

High Risk

Can't sell your shares for 3-5 years minimum. Even then, redemption depends on platform finding buyers.

Look for: "Minimum holding period" or redemption restrictions.

Accreditation Requirements

Medium Risk

Many offerings limited to accredited investors ($200K+ income or $1M+ net worth). Non-accredited options have more restrictions.

Look for: "Accredited investor only" or Regulation D offerings.

Asset-Specific Risks

Medium Risk

Art can be damaged or faked. Wine storage can fail. Collectibles markets crash. These aren't diversified investments.

Look for: Risk disclosures specific to the asset class.

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