Percent vs Yieldstreet

Yieldstreet Overview

Yieldstreet is best suited for investors who want accredited investors seeking diversified alternative asset exposure with moderate to high risk tolerance; non-accredited investors interested in passive alternative income through the Prism Fund. Founded in 2015 and headquartered in New York, NY, Yieldstreet has built a growing investor base.

With a minimum investment of $2.5K, Yieldstreet offers some investments open to non-accredited investors. The platform does not currently offer a secondary market and supports auto-invest features.

Key Strengths:

• Offers 10+ alternative asset classes including art, real estate, venture capital, and private credit on single platform
• Prism Fund available to non-accredited investors with lower $2,500 minimum investment
• Historical net annualized return of 7.4% since 2015 outperforms traditional stock/bond portfolios
• Willow 360 automated investing solution provides diversified portfolio management across three professional fund managers

Key Drawbacks:

• Not accredited by Better Business Bureau and receives lackluster reviews with positive feedback primarily from 2022 and earlier
• Individual offerings require accredited investor status with net worth exceeding $1 million
• Management fees range from 0% to 2.5% annually plus additional originator and administrative fees

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Percent Overview

Percent is best suited for investors who want accredited investors seeking higher yields through private credit exposure with relatively low minimums ($500), who can tolerate illiquid investments and understand default risks associated with lending to middle-market companies. The platform, Percent manages $350M in assets.

With a minimum investment of $500, Percent requires accredited investor status. The platform does not currently offer a secondary market and requires manual investment selection.

Key Strengths:

• Low minimum investment of $500 makes private credit accessible to retail accredited investors
• Competitive fee structure at 1% management fee plus 10% of yield, below industry standards
• Strong historical returns averaging 14.47% for matured deals with 14.9% in 2024
• Transparent fee disclosure and pricing model

Key Drawbacks:

• Requires accredited investor status, limiting accessibility to high-net-worth individuals
• Capital is illiquid and locked in for the duration of each deal
• 3.51% charge-off rate indicates default risk in portfolio

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Head-to-Head Comparison

Fees & Costs

Yieldstreet carries a fee rating of 3.0/5, with fees structured as: 0% to 2.5% annually depending on offering; 1.25% for Yieldstreet 360 managed portfolios; Performance: varies by offering. Percent scores 4.0/5 on fees, charging: 1% on Blended Notes; 0% on single note offerings; Performance: 10% of yield (variable by product).

Edge: Percent. More competitive fee structure overall.

Minimum Investment

Yieldstreet requires $2.5K to get started, while Percent requires $500. Percent's lower minimum makes it more accessible for new investors.

Edge: Percent. Lower barrier to entry.

Accreditation Requirements

Yieldstreet partially requires accreditation. Percent requires accreditation.

Edge: Tie. Similar accreditation requirements.

Liquidity

Yieldstreet offers illiquid investments. Percent provides illiquid investments.

Edge: Tie. Similar liquidity profiles.

Ease of Use & Platform Experience

Yieldstreet scores 4.0/5 for ease of use and offers a mobile app. Percent scores 3.5/5 and also has a mobile app.

Edge: Yieldstreet. Better overall user experience.

Transparency & Reporting

Yieldstreet earns a 3.5/5 transparency rating. Percent scores 3.5/5.

Edge: Tie. Both platforms provide comparable transparency.

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Who Should Choose Yieldstreet?

Yieldstreet is the better choice if you:

• Are comfortable with a $2.5K minimum investment
• Meet accredited investor requirements and want premium deal flow
• Want exposure to diversified real estate portfolios
• Prefer a hands-off, auto-invest approach

Who Should Choose Percent?

Percent is the better choice if you:

• Want to start investing with a low minimum
• Meet accredited investor requirements and want institutional-quality deals
• Are interested in private credit as an asset class
• Prefer to hand-pick your investments

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Verdict

It's a close call. Both Yieldstreet and Percent are strong platforms that serve slightly different investor needs. Yieldstreet stands out for accredited investors seeking diversified alternative asset exposure with moderat, while Percent excels at accredited investors seeking higher yields through private credit exposure with . Your best choice depends on your investment goals, budget, and whether you need accreditation.

For most investors exploring alternatives, we recommend starting with Yieldstreet — but consider your specific goals before committing.

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FAQ

Is Yieldstreet or Percent better for beginners?

Percent is generally more beginner-friendly with its $500 minimum investment compared to Yieldstreet's $2.5K.

Can I use both Yieldstreet and Percent?

Yes. Many alternative investment portfolios benefit from diversification across platforms. Yieldstreet and Percent overlap in some asset classes but may offer different deal structures, fee models, and investment approaches.

Which platform has better returns?

Historical returns vary by specific investment and time period. Yieldstreet has a higher overall rating, but past performance doesn't guarantee future results. Both platforms provide different risk-return profiles depending on the specific offerings you choose.

Are Yieldstreet and Percent safe?

Both platforms are legitimate, regulated investment services. Yieldstreet is regulated by SEC. Percent is regulated by SEC. As with all alternative investments, there is inherent risk — these are generally illiquid, long-term investments and not FDIC insured.