Returns, risks and exit.

Depending on the asset and arrangement, a return might come from a later sale, rental income or a contractual business distribution. None should be assumed. Ask what actually generates the money, when it could be received and which costs are deducted.

GADTAN publishes no expected return or assured payout here. An illustration or forecast, if later supplied, should identify its assumptions and show what happens if prices fall, costs rise or the timeline changes.

Request an itemised cost schedule. Depending on the transaction, costs may include the price, applicable stamp duty and registration, professional fees, brokerage, taxes, financing, development charges and ongoing maintenance. Ask which costs are estimates and which can change.

Property prices can fall. A sale or tenant may take longer to find than expected. Approvals, construction, infrastructure or funding can be delayed. Title disputes, counterparty default and unexpected costs may reduce or eliminate a return, or cause a loss of capital.

For an outright property purchase, an exit may require a buyer, transfer permissions and completion of documentation. In a business arrangement, transfer rights, lock-ins, valuation rules or consent requirements may apply. Read the actual agreement rather than assuming you can withdraw on demand.

A buyback is not offered here. If one is proposed separately, verify who must buy, the conditions, funding source and remedy if they cannot perform. A written promise alone does not remove counterparty risk.

Can I afford to keep this money committed longer than planned? What happens if there is no buyer? Could I be asked for additional funds? Which information is missing? Discuss these questions with an independent adviser who understands your financial situation.