A new approach to real estate investment: how Oschadbank combined Financial Planning and REIT

Ukrainians' interest in investing is steadily growing, and with it, the demand for instruments that allow them to diversify their assets. REIT funds have long played this role around the world. The instrument combines a low entry threshold, professional management, and risk diversification.

Responding to this trend, Oschadbank is expanding opportunities for premium clients and launching a new service within Oschadbank Premium Banking—Financial Planning, which, in particular, opens up access to investing in the S1 REIT real estate fund.

New Financial Planning Service: A systematic approach to capital

The launch of Financial Planning was a logical step in the development of Oschadbank Premium Banking's investment direction and expanded the product range in addition to the Investment Research product. This is not a separate product but a comprehensive service for clients who want to systematically manage their finances and build long-term goals. Clients receive an assessment of their financial potential, assistance in developing a structured savings and investment strategy, and personalized recommendations on asset allocation, taking into account economic cycles and personal risk profiles.

An important part of the new service is the cooperation between Oschadbank and the S1 REIT real estate fund. For the first time, Ukrainian REIT is presented in an investment study for Premium Banking clients, which is a landmark event for the domestic financial market. Oschadbank clients gain access not only to an investment instrument but also to expert analytics and personal support. This makes it possible to form balanced portfolios that include real estate, one of the most stable assets in periods of increased volatility.

S1 REIT Commercial Director Viktor Boichuk notes that cooperation with one of the country's largest banks makes real estate investments more accessible, transparent, and professionally structured for a wide range of investors. According to him, rising housing prices and a revival in the rental market are creating conditions under which investors can earn not only from rental income but also from asset capitalization.

Over the past year, the cost of one-bedroom apartments on the secondary market in Kyiv has increased by 11% in currency terms, according to data from the real estate website LUN. This gives investors the opportunity to earn not only from rental income but also from capitalization. High-quality properties located in attractive locations close to developed infrastructure are steadily increasing in value and attracting tenants. The S1 REIT investment instrument provides access to precisely such assets—apartments in profitable buildings from the developer Standard One," noted Viktor Boichuk.

For his part, Dmytro Solovyov, Director of the Premium Banking Department at Oschadbank, emphasizes that the combination of classic banking, professional market analytics, and access to institutional real estate instruments creates a new level of opportunities for clients focused on long-term and diversified capital growth.

“The start of cooperation between Oschadbank Premium Banking and S1 REIT is another step in expanding our bank's range of investment services, enabling Oschadbank to be one of the recognized leaders in services for premium clients,” said Dmytro Solovyov.

What is Oschadbank Premium Banking and who is it for?

Oschadbank Premium Banking is a comprehensive premium service for customers with high demands on the quality of financial services. Its key idea is personalization: the customer is assigned a personal manager who assists with both daily financial transactions and more complex decisions related to the formation of an individual investment portfolio.

The premium service package combines the payment capabilities of MasterCard Elite and Visa Infinite premium cards with extended limits and non-financial privileges such as concierge service, travel bonuses, expedited airport check-in, and access to business lounges. At the same time, the investment component is increasingly becoming decisive for Premium Banking customers. The new Financial Planning service will organically complement this ecosystem, transforming Oschadbank into a long-term financial partner, not just a payment provider.

REIT funds: a global instrument with Ukrainian implementation

REIT, or Real Estate Investment Trust, is a form of real estate investment in which the funds of many investors are pooled into a fund that owns and manages real estate properties. Such funds lease assets, receive regular income, and over time can record profits due to the growth in the value of the properties themselves. REIT is one of the most popular ways to invest in real estate in the world: in the US alone, the total value of this market exceeds $1.4 trillion.

The main advantage of REIT funds is that they lower the barrier to entry into the real estate market and transfer management to a professional team. Investors do not need to select properties, find tenants, or deal with operational issues themselves. In addition, participation in the fund provides diversification: instead of one apartment, the investor owns a share in a portfolio of properties, which reduces individual risks.

This trend is still in its infancy in Ukraine, but there are already examples of long-term models. S1 REIT was created by developer Standard One. It comprises two funds: S1 VDNG and S1 Obolon. The first invests in already built apartment buildings, while the second invests in projects at an advanced stage of completion. Both properties are constructed with a build-to-rent approach, i.e., specifically for renting out apartments, taking into account the needs of contemporary tenants.

Investors in S1 REIT receive two sources of income: regular dividends from rent and an increase in the value of investment certificates as real estate prices rise. The minimum entry threshold is UAH 122,000. The investment can be increased in the future by purchasing additional certificates starting at UAH 1,000. The declared yield of the S1 VDNG fund is 8.2% in dollars, and S1 Obolon is 10%, which is explained by the stage of project implementation and its capitalization potential.

Conclusion

The launch of the Financial Planning service at Oschadbank Premium Banking demonstrates how a traditional bank can evolve towards providing comprehensive customer service and developing modern investment products. The cooperation between the S1 REIT fund and Oschadbank Premium Banking gives customers access to income-generating real estate in a clear, structured, and professionally supported format. For Oschadbank customers, this is an opportunity to diversify their portfolios and work with real estate at a level that was previously available mainly to institutional players.

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