Would I use real estate crowd funding?

Would I use real estate crowd funding?
 
No, I wouldn't, at least not at this moment.

Why?



The real estate crowd funding is a relatively new thing.
It might be a good thing, but probably not for me.
I am very suspicious of new things and I feel that it might be not safe enough for me.
 
I don't have any facts to support that feeling. I just have relatively high safety requirements and anything new feels risky to me if there is no long tern tracking of the results.

The more money I accumulate (and it accumulates slowly, slower than I would like), the more careful I become.
I am not hunting for high returns.
I don't even specifically target percentage of my own returns. For me, the main goal is that my gains and returns can cover my expenses.
If I can reach it in a very safe way, I do it. If I can't yet, I will try until I get there. And that is reflected in the choice of my investments.

I use indexing, because I don't think that a major index will go down to zero and that even if it will get down 50% it will come back up. I also use individual stocks, but I limit my exposure to them because they can go to zero unexpectedly and if they go down significantly, they may never get back up.

I generally don't trust very new things, where the specifics and regulations are still in the process of being worked out and I don't want to let others to experiment with my money.

The closer I am getting to retirement, the less risk I take and the real estate crowd funding is just too much risk for me.

But in case if you are interested, here is a link for a post with a great resource on real estate crowd funding from www.passiveincomemd.com. The author appears to have researched the world of real estate crowd funding very well and he shows some of his own results he could produce in the last few years.