Retail Investments
Oyster Property Group’s retail investment funds are designed to give everyday investors access to high-quality commercial property through a structured, regulated investment offering. Our funds aim to deliver stable income, disciplined portfolio diversification, capital growth over the long term.
Our Property Funds for Retail Investors
Discover property investment opportunities designed to meet you where you are, with a smaller minimum buy-in and options to suit different financial goals and comfort levels. Separate from our exclusive wholesale investments, these funds are available to everyday investors.
Oyster Industrial Ltd
Oyster Industrial 5.0 is an exciting opportunity for retail investors to participate in New Zealand’s strongest performing property asset class.¹
Oyster Industrial 5.0 gives you access to a diversified, multi asset portfolio of
seven properties with premium national tenants on long-term leases. The fund aims
to deliver a monthly income return with the potential for long-term capital gain.
1 JLL Research
What is a Retail Investor?
A retail investor is an individual investing their own money to grow wealth, generate income, or work toward long-term financial goals.
Retail investors benefit from stronger regulatory protections, including detailed disclosure documents, clear risk information, and governance requirements designed to support informed decision-making.
Retail investment opportunities are intentionally structured to be more accessible. They typically involve:
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Lower minimum investment amounts
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Clear, regulated offer documentation
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Ongoing reporting and transparency
This framework gives everyday investors confidence to participate in professionally managed investments — without needing specialist knowledge or large amounts of capital.
If you’re investing personally and value transparency, regulatory oversight, and structured protections, retail investment funds may be a suitable place to start.
Retail investors can access more than retail property
Despite what the name might suggest - retail investing doesn't limit you to retail property. Through Oyster’s retail funds, investors can access a range of commercial property sectors, including office, industrial and large‑format retail assets.
Your Opportunity to Earn Regular Income from Commercial Property
Commercial property has often been seen as something only large institutions or wealthy investors could access, but that’s not the reality.
Through Oyster’s retail investment funds, everyday investors can pool their capital with others and co-own high-quality office, industrial and retail property assets that are leased to premium national tenants and generate both rental income and long-term capital potential.
These professionally managed, diversified funds provide a practical and accessible way to build a broader investment portfolio.
Start exploring Oyster’s retail funds today and see how commercial property could generate steady income for you.
How to Become a Retail
Investor with Oyster
Complete your application
Submit your application along with the required AML and eligibility documents
STEP 3
Review the offer documents
We’ll provide information about the offer for you to review. We are happy to answer any questions you might have as you consider the offer
STEP 2
Talk to our investor team
Start with a conversation so we can understand your goals and guide you through the retail investment process
STEP 1
Why Consider Retail
Investment
with Oyster?
Regular Income and
Long-Term Growth
Oyster retail funds aim to provide regular income alongside long-term capital growth. These investments are best considered over the long term, think 10 years or longer, allowing returns to develop through market cycles.
Regulated, Professionally
Managed Fund
Retail investors benefit from stronger regulatory protections under New Zealand law. Oyster’s funds are professionally managed, diversified and governed to provide transparency and disciplined portfolio oversight.
Lower Barriers
Oyster’s retail funds make commercial property investing more accessible. With lower minimum investment amounts, everyday investors can gain exposure to high quality commercial, industrial and retail assets, without owning or managing property directly.
Other Investment Options
Availability of wholesale and retail offers change month to month as current investors choose to sell. Email our Investor Team to receive the latest resales to your inbox investor@oystergroup.co.nz
Secondary Market
Oyster’s secondary market offers a way to invest now in established funds that are already generating monthly income. New investors can purchase parcels from existing investors, giving access to commercial property without waiting for a new fund to launch.
Answering your questions about our retail investments
Oyster’s retail investment opportunities are designed for everyday investors and are offered under New Zealand’s retail investment framework. This means they come with enhanced disclosure requirements, clearer risk information, and ongoing reporting obligations intended to support informed decision-making.
Wholesale investment opportunities are available only to investors who meet specific eligibility criteria and are generally designed for those investing larger amounts or seeking more tailored investment strategies.
Both retail and wholesale funds are professionally managed by Oyster, but they are structured differently to reflect the needs, experience levels, and protections relevant to each investor group.Yes, and most individuals investing their own money are classified as retail investors under New Zealand law.
You do not need to meet minimum wealth thresholds or have specialist investment experience to be a retail investor. Retail investment products are specifically designed to provide transparency and regulatory protections for individuals investing toward personal financial goals.
Before investing, you should always consider whether an investment is appropriate for your circumstances and seek independent advice if needed.
Becoming a retail investor with Oyster starts with a conversation.
Our investor team can explain the available retail investment opportunities, talk through how they work, and answer any questions you may have. You’ll then be provided with the relevant offer documents to review before deciding whether to proceed.
If you choose to invest, you’ll complete an application and provide standard identification and AML documentation.
Retail property investment funds can offer investors:
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Access to professionally managed commercial property
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Lower minimum investment amounts compared to direct property ownership
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Diversification across assets and tenants
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Regular income distributions, depending on fund performance
Returns and income are not guaranteed, and investments should generally be considered over the long term. Each fund has its own risks and features, which are outlined in the offer documents.
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No. When you invest in an Oyster retail fund, the properties are professionally managed on your behalf.
This includes asset management, tenant relationships, compliance, and reporting. Investors receive regular updates but are not required to manage properties directly
Enquire about our retail investment funds
If you’d like to learn more about Oyster’s retail investment opportunities or discuss whether they may be right for you, our investor team is here to help.
Proudly Managed by Oyster Property Group
