Investing calmly: a guide to passive investment for the summer
With warm weather and sunshine, many people look to disconnect from daily stress, take a break from work and responsibilities. But we’re here to remind you that summer can also be a great opportunity to grow your money, and there are ways to invest calmly, without much effort. Passive investment allows your capital to keep generating income without needing your constant attention—so you can enjoy your days off while your portfolio strengthens.
Thanks to digital advances, you now have multiple channels to invest simply and automatically: real estate crowdfunding, vacation rentals, listed vehicles like REITs/SOCIMIs, asset tokenization, and responsible investment models. In this article, we explore each of these options, explaining how they work, why they’re ideal for summer, and how to combine them for a balanced and productive portfolio.
Real estate crowdfunding: investing without ties
Real estate crowdfunding allows individual investors to contribute capital to projects led by professional developers. In return, they receive agreed financial returns, typically tied to fixed timelines and asset performance.
This model has gained ground in recent years for its simplicity, accessibility, and fully digital approach. A clear example is Urbanitae, the leading platform in Spain and Portugal, which channeled over €200 million in funding for new projects in 2024 alone, with an average IRR of around 13% on closed deals. Their model allows you to invest from €500, complete the process online, and transparently track project progress. In summer, this option is especially convenient for those who want to keep their money active without managing anything.
Vacation rentals: earning returns from a second home
For those who own a second home in a tourist area—or are considering buying one for personal use—vacation rentals can be an effective way to monetize it during unused periods. The remarkable growth of tourism in Spain, with high occupancy rates in summer months, offers the chance to generate additional income without constant management.
Short-term rentals, as long as they comply with local laws and regulations in each region or municipality, allow you to combine personal use of the property with its economic utilization at other times. The key is doing it responsibly, meeting all administrative and tax requirements, and respecting the local community.
The professionalization of the sector now makes it possible to delegate the entire process to specialized operators: from promotion on digital platforms to guest services and property maintenance. This way, you can earn reasonable returns without direct involvement, maintaining a healthy balance between personal use, legal compliance, and income generation.
REITs and SOCIMIs: flexible real estate exposure
REITs—and their Spanish counterparts, SOCIMIs—allow you to invest in large real estate portfolios such as shopping centers, offices, or rental housing, with the benefit of earning dividends and maintaining liquidity. A few clicks are all it takes to buy shares and start receiving regular income.
There’s no need to deal with renovations or manage properties yourself. These companies are subject to regulations that ensure transparency and mandatory profit distribution. Since shares can be bought and sold on the stock market, they offer perfect flexibility for anyone seeking passive income without giving up the option to divest at any time.
Real estate tokenization: fractional investing from your phone
Tokenization divides a property into digital shares (tokens) recorded on the blockchain, each representing a real fraction of the asset. From your phone, you can invest in specific properties with just a few clicks—no paperwork, no complex procedures.
It’s a way to enter the real estate market flexibly, automatically, and with low entry tickets. Ideal for those who want to invest passively during the summer, without constantly watching the market. You simply choose a project, buy your tokens, and start receiving proportional returns—all while enjoying your vacation. An increasingly popular option for those seeking profits without the hassle.
Responsible investment: purpose-driven results, even in summer
Investing with sustainable criteria allows you to earn returns while contributing to positive-impact projects—from energy-efficient housing to responsible tourism or collaborative spaces. These assets not only respond to growing demand but also offer long-term stability and attractive yields.
This approach fits especially well with passive summer investing. Like crowdfunding, REITs, or tokenization, many of these opportunities are managed digitally and require minimal involvement from the investor. This allows you to stay financially on track without sacrificing your time off.
Ultimately, summer can be the perfect moment to consolidate a passive investment strategy—diversified and aligned with your values. With the right tools, your money can keep working effectively, even when you decide to take a break.
