Here’s How WealthTech and PropTech Are Disrupting Modern Investing

Right now, while you’re reading this, technology is quietly breaking down the barriers that prevented regular people from getting into real estate investing all these years.

Long gone are the days of requiring six-figure minimums or the “right people” connections to get into property investment. It turns out they’re going away faster than you might imagine.

Two seismic forces are colliding in ways that will dramatically change the way you build wealth. WealthTech is about to put professional-grade investment tools in your pocket on your smartphone. PropTech is the conversion of real estate from a country club to an accessible digital marketplace. And when these two meet? Magic happens.

WealthTech Growth Is Reshaping Asset Management

Remember when taking your financial health seriously meant going to see some stuffy financial adviser who only wanted to talk to you about your portfolio if it had the right number of zeroes? Those days are over.

WealthTech has blown that model to bits. You now have the same powerful financial tools that the ultra-wealthy have. These aren’t just fancy calculators. We’re talking about AI-powered platforms that crunch market data, automatically rebalance your portfolio and offer you tailor-made advice 24/7.

Digital wealth management platforms are now managing $3.6 trillion. By 2027? It is expected to reach $6.5 trillion. You are seeing wealth management being democratically transformed, on the fly. Your robo-adviser doesn’t go to lunch. It doesn’t have bad days. It whirs away at thousands of data points while you’re sleeping and tinkers with your investments based on market moves you’d never be able to make on your own.

This technology is now working on your behalf 24 hours a day, maximizing your returns in ways that were the stuff of science fiction a mere decade ago.

PropTech Is Making Real Estate More Accessible

But here’s what you used to have to do when you wanted to invest in real estate: You would have to have tens of thousands of dollars at least to be able to do it. You’d spend months researching properties. You’d have to navigate brokers, lawyers, and endless paperwork. Then, you hope to hell that your single property investment paid off. You guessed right: PropTech has turned that whole process on its head.

You can invest in fractions of properties now. Virtual tours make it possible to visit buildings across the country without leaving your couch. Artificial Intelligence can compute property values better than human appraisers. Transactions are being sped up, and new players are entering the market with blockchain technology.

The PropTech market grew from virtually zero to $30.16 billion in 2023. And industry experts say it could be $133 billion by 2032. This isn’t a bubble. This is a whole industry getting built from scratch.

What does this mean for you? Investing in real estate is no longer just for people with large sums of money or connections. This is about having the right technology and knowing how to use it.

Complete Portfolio on A Single Screen, Complete Control

Consider how frustrating it was to try to manage separate investments across various platforms. Your stocks are in one app. Your pension is on another webpage. Spreadsheets are kept on your real estate investments. It was clear: Your crypto is located someplace else entirely.

This piecemeal method is killing your capacity to decide intelligently. That this is all bundled, is what makes it possible to do things that were never previously possible.

• The market signals that real estate is about to cool? You can see immediately how much of your portfolio is exposed and you can rebalance that exposure.

• Your rental property is underperforming? Then compare it to other investment options, and make informed decisions whether to keep, sell or reinvest it.

Today, technical indicators and trading tools such as the candlestick pattern are finding their way into some of the most sophisticated traders’ overall investing strategies. These tools aid in timing entries and exits across asset classes, helping tech-savvy investors in traditional as well as digital markets.

Robo-Advisers Get into Real Estate

Robo-advisers played it safe for years. Stocks, bonds, perhaps a few ETFs if you were really lucky. But real estate was completely omitted from the list even though it’s one of the most crucial asset classes for people who want to build wealth over their lifetimes.
That’s changing fast.

Intelligent robo-advisers have already begun adding REITs, fractional real estate investments and property-backed securities to their automated portfolios. This isn’t just about diversification. It is about awakening to the fact that real estate has become a digital asset class, one that can be traded, optimized and managed in the same manner as stocks.

Real estate products are now being offered on digital wealth platforms of 48% of financial institutions, according to Deloitte. This switch is a seismic change in the industry attitude to property investment. It’s not a separate, specialized field any more. It is being integrated into modern portfolio management.

Combine with your robo-adviser’s recommended real estate investments supported by your risk tolerance, time horizon and financial objectives. It can even rebalance itself between stocks and property investments. It can even account for tax considerations and geographic diversification.

Your Investment Future Starts Now

The convergence of PropTech with WealthTech represents a bold reshaping of the way wealth is produced and controlled in the modern world.

Thanks to the digital age, you have access to investment plans that integrate the transparency and automation of the web with the long-term stability and appreciation of real estate.

This isn’t simply a matter of picking one or the other. It’s the best of both worlds and it can make a very powerful, diversified investment plan.