Commercial property investment? Most people assume it’s for the top end of town with large amounts of capital to invest.

The reality: thousands of everyday New Zealanders already co-own some of the country’s largest office, industrial and retail assets through experienced unlisted commercial property fund managers like Oyster Property Group.

Not just for the wealthy Buying a shopping centre, warehouse, or office building outright is well beyond the reach of most investors. But through unlisted property funds, individuals can pool their capital and take a share of large-scale assets.

The difference is in the structure and strategy. Instead of one owner taking on all the capital and management responsibility, a fund spreads those across tens, hundreds or thousands of investors. And experienced managers take care of the asset strategy, leases, financing, compliance, and maintenance - while investors share in the rental income and long-term capital gains that can come hand-in-hand.

Scale and stability, shared

These aren’t niche properties. They’re the supermarkets you shop in, the logistics hubs moving online orders, the large business parks that are home to leading New Zealand and international entities and quality office buildings in strategic CBD and city fringe locations.  

Commercial property generates returns in two ways: rental income and long-term capital growth. Unlike residential property investments, commercial leases are typically long-term, which helps create consistent, contracted income.

Many leases also include fixed annual increases or CPI-linked reviews, so rental income doesn’t just hold its value - it often rises with inflation. It’s one of the few asset classes where inflation protection is built in.

It’s an ownership model designed around stability, not short-term trading; so a long-term view is critical to maximising the growth potential of this asset class. You’re not just relying on the market to lift the value – you can earn income along the way, with the potential for capital growth over time.

Access without complexity Direct ownership comes with constant decisions: finding tenants, negotiating leases, arranging debt, dealing with councils and repairs. Unlisted funds strip that away. Investors don’t need to be landlords; they simply share in the results of smart acquisitions and professional management.

It’s not about making property simple - it’s about buying into an asset with a strong investment strategy in place that will be managed on their behalf by an experienced team.

Who’s already in? The investor base is broad, mainstream, and steadily growing.

The typical investor in an unlisted fund isn’t a property mogul (though property moguls do take advantage of the management benefits of unlisted property funds too).

They’re everyday New Zealanders. Retirees looking for income. Families building diversified savings. Professionals setting long-term goals. First time property owners taking a different route. 

For many, property funds offer a middle ground: direct enough to feel connected to real assets, but professionally managed so they don’t have to worry about the day-to-day.

The modern model of ownership Commercial property has long been a staple in diversified investment portfolios for investors seeking to grow their wealth over time - but it doesn’t need to be out of reach. Unlisted funds provide access to the same scale and stability institutions rely on, through a model built for individual investors.

Commercial property has long played a part in strategic, diversified investment portfolios. Unlisted commercial property funds offer a straightforward way for individual investors to access the large-scale assets that would be out of reach on their own.

But for investors seeking long-term exposure with built-in resilience, they offer something rare - real assets, real income and a strategy built to keep earning through all parts of the economic cycle.

The door is open.

To learn more, visit oystergroup.co.nz or contact the Oyster Investor Relations team on +64 9 281 4460