Bali isn’t just a bucket-list destination; it’s an economic hotspot fueled by consistent tourism, digital nomad migration, and a rising demand for luxury, eco-conscious, and wellness-driven accommodations. But if buying an entire villa or launching a full-scale business feels like too big of a step—or if you’re interested in entering the Bali property market without committing to a full property purchase—crowd-investment might be your best bet.
This more accessible, lower-risk model allows you to invest in promising projects alongside others, making it easier to get started. Whether you’re a digital nomad wanting to diversify your income or an investor searching for high-growth opportunities, crowd-investing in Bali could be a smart move.
Let’s take a closer look at how it works and explore five of the most exciting opportunities on the island today.
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How Real Estate Investment By Crowd-Investing Works in Bali
Bali’s fast-growing real estate, hospitality, and wellness sectors have opened up exciting opportunities for investors—and crowd-investing is quickly becoming one of the most accessible ways to get involved.
In simple terms, crowd-investing is all about pooling resources. Instead of one person financing an entire property or business alone, crowd-investing allows multiple individuals to pool funds and co-invest in a single project. In return, each investor receives a share of the ownership and profits, lowering individual risk while still unlocking access to high-potential returns.
This model is particularly attractive in Bali, where property ownership laws for foreigners can be complex. Investment-based crowdfunding platforms have simplified the process by offering legally structured, fully managed opportunities. Many of these ventures—like luxury villas, boutique resorts, or wellness retreats—are now open to global investors with entry points as low as $1,000 to $5,000.
Here’s how it typically works:
- You invest in a share or fraction of a project: This could be a unit in a luxury villa, a hotel room, or a wellness retreat. Instead of funding the entire project, you contribute a smaller amount—often starting from just $1,000 to $5,000.
- You earn passive income based on your share: Returns are typically generated from rental income or revenue-sharing. Depending on the platform and performance, payouts can be quarterly, annually, or tied to specific milestones.
- You’re offered a clear exit strategy: Most opportunities come with a fixed investment term, usually between 5 to 10 years. At the end of the term, your share can either be sold or bought out, potentially earning you capital gains on top of your passive income.
- You benefit from legally structured investments: Because foreign property ownership in Indonesia can be complex, most platforms handle compliance through a PT PMA (foreign-owned company). This setup ensures you can invest legally and securely. Still, it’s best to consult a local legal expert to review the terms before committing.
Crowd-investing offers a practical and scalable way to enter Bali’s growing investment scene. Legal compliance usually involves setting up a PT PMA (foreign-owned company), or working through crowd-investment platforms that handle the regulatory side. Still, having a local legal advisor is highly recommended.
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Bali Crowd-Investment Opportunities
Now that you know how crowd-investing works and how it’s unlocking access to Bali’s booming real estate market, you might be wondering—where exactly are the most enticing opportunities?
Whether you’re aiming to earn passive income, diversify your portfolio, or align with the island’s growing demand for lifestyle-oriented spaces, these curated investment opportunities offer a smart and scalable way to join Bali’s next wave of development. Here’s a look at where the future is being built—and how you can be part of it.
1. Co-Owned Villas & Vacation Rentals
If you’ve ever dreamed of owning a luxury villa in Bali but don’t have half a million dollars to spare, co-ownership offers an appealing and accessible way to get started. This model allows multiple investors to pool resources and acquire shares in high-demand vacation properties in prime locations like Canggu, Seminyak, and Uluwatu, where rental demand is strong year-round.
Considered one of the most lucrative opportunities with fast ROI, co-owned villas and vacation rentals provide a stable income stream and a stake in appreciating assets, making it a top entry point for crowd-investors.
Here’s why this opportunity stands out:
- High Rental Yields: Villas in prime Bali locations generate gross yields between 7–15%, driven by high occupancy rates and premium nightly rental prices. Bali’s rental yields are among the highest in Southeast Asia.
- Tourism Growth: Bali welcomed 6.3 million visitors in 2024, with increasing demand for short-term rentals. The island is expected to grow at an annual rate of 10–12% in tourism.
- Prime Locations and High Demand: Uluwatu, Canggu, and Seminyak continue to see rising rental demand due to Bali’s growing expat and tourist populations. These areas are expected to see continued growth in both demand and property value.
- Appreciating Asset: Bali’s real estate market has seen 5-7% annual property value increases in high-demand areas. Investing in co-owned villas offers both regular income and potential long-term capital gains.
- Easy Entry Point: Co-ownership allows access to Bali’s luxury real estate market with lower capital requirements, starting from around $10,000. This makes it more accessible than full property ownership.
- Attractive to Remote Workers and Expats: Bali is a top destination for remote workers and expats, driving demand for quality vacation rentals. This trend is expected to continue as more people choose Bali for long-term stays.
2. Boutique Hotels and Resorts
If you don’t want to invest in co-owned villas or vacation rentals, or if you’re looking to target a broader audience, boutique hotel and resort properties in Bali offer an attractive crowdfunding opportunity. This model allows multiple investors to collectively fund individual units within high-growth areas like Nusa Dua and Uluwatu, tapping into Bali’s booming hospitality sector without the need for full ownership.
These turnkey projects typically require a fixed investment amount, after which the hotel or resort operates as usual, generating profits from occupancy rates and room bookings. As an investor, you receive a share of the annual profits, based on the success of the property. Some platforms even offer the added benefit of allowing you to stay at the property for a few nights each year, creating a personal connection with your investment.
This option is ideal for those seeking to scale their investment in the hospitality sector, particularly given the surging demand for luxury travel in key destinations like Nusa Dua, Jimbaran, and Uluwatu. With a solid operational team and long-term branding, these properties offer consistent revenue potential, making it a highly attractive investment.
Here’s why this opportunity stands out:
- Established Operations: Investments are integrated into existing hotel operations, managed by experienced teams who handle daily activities, guest services, and marketing efforts, ensuring stable and efficient performance.
- Profit Sharing: Returns are linked to the hotel’s performance, driven by occupancy rates and average daily room rates, offering a direct connection between the hotel’s success and your investment.
- Personal Perks: Some platforms provide investors with benefits like complimentary stays, creating a personal connection to the investment and the chance to experience the property firsthand.
- Strategic Locations: Located in high-demand areas like Nusa Dua and Uluwatu, which are renowned for their luxury tourism appeal, ensuring a steady flow of high-end travelers and strong demand for boutique accommodations.
- Operational Expertise: Professional teams manage all aspects of the hotel, ensuring efficient operations, effective guest services, and marketing strategies that drive consistent revenue.
- Financial Transparency: Investors receive regular updates and reports on the financial performance, offering clear insights to support informed decision-making and maintain confidence in the investment.
3. Eco-Friendly & Sustainable Living Projects
As sustainability and conscious tourism gain momentum, Bali is seeing an increase in eco-friendly investments, including bamboo homes, permaculture villages, and off-grid retreats. Locations like Ubud, Tabanan, and the tranquil northern regions of Bali are emerging hotspots for these environmentally-conscious ventures, catering to a growing demand from eco-conscious travelers.
This opportunity allows investors to blend profit with purpose, participating in projects that not only offer potential returns but also contribute positively to the environment, society, and the local economy. The eco-investment sector is thriving as global travelers increasingly seek sustainable, nature-based experiences that align with their values.
Here’s why this opportunity stands out:
- Growing Demand for Sustainable Tourism: As more tourists seek eco-friendly experiences, Bali’s tourism landscape is shifting toward sustainability. The demand for eco-conscious accommodations, including bamboo homes and off-grid retreats, is expected to rise, ensuring long-term growth potential.
- Strategic Locations: Areas like Ubud, Tabanan, and northern Bali are ideal for eco-living projects due to their natural beauty and the increasing interest in sustainable lifestyles. These areas offer investors access to communities that attract conscious travelers, enhancing demand for eco-friendly accommodations.
- Diverse Revenue Streams: Investments can generate returns from multiple sources, including rental income, land value appreciation, and community membership models. Some projects even incorporate retreat offerings or educational programs, creating additional revenue opportunities.
- Positive Social and Environmental Impact: This investment opportunity is perfect for those who want to make a meaningful impact. By supporting projects that promote regenerative living and sustainability, investors contribute to positive social, environmental, and economic change.
- Niche Market with High Growth Potential: The market for eco-friendly tourism is expanding globally, with more travelers prioritizing environmental sustainability. By tapping into this growing niche, investors can access a fast-developing market while making a difference.
- Long-Term Value: Eco-friendly projects typically have strong long-term potential, as land value tends to appreciate in these areas due to growing interest in sustainable living. Moreover, these projects appeal to investors who are not just looking for financial returns but also want to align their investments with their values.
Bali’s eco-investment scene is poised for continued growth as global travel trends shift toward sustainability. For those looking to align their investment strategy with their values, eco-friendly projects in Bali offer a compelling and impactful opportunity.
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4. Wellness Retreats and Yoga Centers
Another niche sector gaining traction in Bali is wellness retreats and yoga centers, a thriving market due to the island’s global reputation as a hub for mindfulness, yoga, and holistic healing. This sector offers crowd-investors a chance to participate in the booming wellness tourism industry by funding retreat expansions, renovations, or entirely new projects. In return, investors can earn a share of the operational profits from these high-margin businesses, which enjoy a loyal, repeat customer base.
Bali’s wellness tourism scene continues to expand, particularly in areas like Ubud, Sidemen, and Canggu, where retreats are often booked out months in advance. Investing in wellness centers not only provides potential financial returns but also supports businesses that promote health, well-being, and conscious living.
Here’s why this opportunity stands out:
- High-Margin, High-Demand Sector: Wellness retreats are well-established businesses with repeat customers, ensuring a steady stream of income. Bali’s status as a top destination for wellness tourism means these retreats consistently experience high demand, especially in areas like Ubud and Canggu, where wellness tourism is a dominant industry.
- Sustainable, Feel-Good Investment: Your investment supports holistic, transformative experiences while generating returns. With the global wellness tourism market projected to reach $1.3 trillion by 2025, Bali remains one of the world’s top destinations for spiritual rejuvenation.
- Potential for High Returns: By investing in retreat centers, yoga shalas, or wellness resorts, you can earn returns tied to retreat bookings, workshop sales, and retreat packages. The profitable nature of these businesses is driven by Bali’s continued allure as a wellness destination.
- Community-Focused: This sector serves a niche market of individuals seeking spiritual growth and personal well-being, catering to a specific demographic of health-conscious travelers. However, this makes wellness investments less accessible to the broader tourism market, and investors should consider the specialized focus when entering this sector.
- Operational Expertise: Bali’s wellness retreat industry is well-established, with experienced operators ensuring smooth management. This expertise contributes to the reliable revenue generation potential for investors.
- Booming Wellness Tourism Market: Bali remains a leading destination for wellness tourism. With millions of visitors per year, a significant portion of which sought wellness experiences, the sector is poised for continued growth, as travelers increasingly seek out destinations that align with their health-conscious lifestyles.
While wellness retreats offer lucrative returns and align with the global trend toward conscious tourism, the sector caters to a niche market. It may not provide the same level of broad market appeal as other Bali real estate investments but offers high-margin potential for those specifically drawn to the wellness and holistic living sector.
5. F&B Ventures: Cafés, Beach Clubs, and Restaurants
Aside from residential rental spaces, F&B (food and beverage) ventures are among the top crowd-investment opportunities in Bali, offering attractive returns on investment (ROI) and the potential for high growth. Bali’s vibrant culinary scene, fueled by a growing expat and tourist population, continues to expand, making it an enticing sector for investors. From cozy cafés to trendy beach clubs, many of Bali’s top food and beverage establishments are now partially funded through crowd-investing, allowing small-to-mid-level investors to take part in this lucrative industry.
Here’s why this opportunity stands out:
- High ROI Potential: F&B ventures can deliver impressive returns, especially when they tap into Bali’s strong tourism market and its growing community of digital nomads and expats. The food and beverage sector in Bali is part of a $1.2 billion market, and well-executed ventures in prime locations have the potential for high profitability. The Bali dining scene, known for its diversity and quality, attracts millions of visitors annually, with some areas like Seminyak and Ubud boasting some of the highest foot traffic.
- Revenue Sharing: Investors typically enter into revenue-sharing agreements, where returns are based on monthly or quarterly sales performance. This model offers a steady income stream as the business generates revenue, providing an accessible entry point for investors starting at $5,000–$10,000.
- Lower Entry Barriers: Compared to large-scale real estate investments, entering the F&B sector is relatively affordable, especially when you can become a partner with as little as $5,000. This allows investors to capitalize on Bali’s growing demand for dining and social venues without the need for significant upfront capital.
- Global Appeal: Bali remains one of the top destinations for food tourism, and its food scene is renowned globally for its variety and quality. The surge of digital nomads and tourists has driven demand for diverse dining options, from artisan coffee shops in Ubud to upscale beach clubs in Seminyak. As of 2023, the Bali tourism industry saw a growth rate of 11% annually, fueling the ongoing demand for high-quality food experiences.
- Brand Exposure and Perks: Some crowd-investment platforms offer public visibility and branding opportunities for investors. Additionally, many platforms offer perks such as free meals or priority bookings, allowing investors to engage with the businesses they support while enjoying tangible benefits.
- Risk Considerations: While the F&B sector can be highly profitable, it also carries a level of risk due to market competition, shifting trends, and operational challenges. However, with the right location and concept, an F&B business in Bali can become a sustainable and rewarding asset. The success of Bali’s food scene relies heavily on providing unique and high-quality experiences that resonate with both locals and tourists.
Bali’s food and beverage scene continues to attract both tourists and locals, offering a dynamic environment for crowd-investors to participate in. Whether you’re interested in funding a new café, rebranding an existing space, or expanding an established venue, F&B ventures in Bali offer exciting growth potential, especially in popular tourism hotspots.
Benefits of Crowd-Investing in Bali
Why are more people turning to crowd-investment instead of going solo? Here’s why crowd-investing in Bali is gaining popularity:
- Affordability: You don’t need six figures to start investing. Crowd-investing allows you to enter the market with as little as $5,000–$50,000, making high-value assets more accessible.
- Shared Risk: You’re not bearing the full cost of setbacks. With multiple investors pooling funds, the financial burden is spread out, offering protection if things don’t go according to plan.
- Diversification: You can invest in multiple projects at once. Crowd-investing lets you spread your capital across various sectors like real estate, hospitality, wellness, and F&B ventures.
- Passive Income: Most models offer regular profit distributions. You can earn income without actively managing the property or business, as the projects are professionally handled.
- Access to Local Markets: Platforms and partners help navigate regulations and management. Local experts ensure legal compliance and handle operations, making it easier for foreigners to invest in Bali’s dynamic market.
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Risks and Considerations
Of course, no investment is without risk. With crowd-investing in Bali, the key challenges include:
- Regulatory Uncertainty: Foreign ownership laws can shift, so choose legally sound structures. Be aware of the evolving legal landscape in Indonesia, as regulations regarding property ownership can change.
- Lack of Liquidity: It may take years before you can sell your share. Crowd-investing is typically a long-term commitment, often lasting 5–10 years, with limited exit opportunities.
- Platform Reliability: Vet any crowd-investing platform or partner thoroughly. Ensure the platform is reputable, licensed, and transparent in its operations and financial reporting.
- Currency Fluctuations: Returns may be affected by USD-IDR exchange rates. Be mindful of the exchange rate between your investment currency (USD, EUR) and the Indonesian Rupiah (IDR), as fluctuations may impact your profits.
Doing your due diligence is non-negotiable. Make sure to consult a legal advisor, read the fine print, and only work with licensed, transparent platforms.
How to Get Started With Bali Property Crowdfunding
Ready to start your crowdfunding journey in Bali? Here’s a step-by-step guide to help you take your first steps and navigate the market with confidence:
1. Research Platforms
The first step in crowd-investing is finding a reputable platform. Look for ones with a solid track record in Bali, offering transparency, legal compliance, and investor support. Platforms like CocoLiving, which specialize in real estate investments, allow you to purchase shares in properties or businesses, providing an accessible way to participate in the growing Bali market. Always research each platform’s history, financial performance, and user feedback before committing.
2. Set a Budget
Know how much you’re willing to invest and establish realistic expectations for your returns. Crowd-investing offers flexibility in terms of investment size, so you can start with smaller amounts—often as low as $5,000–$10,000—without needing to take on the cost of an entire property. While setting your budget, ensure you’re clear about your investment goals, ROI expectations, and any potential additional costs like platform fees or taxes.
3. Consult a Local Legal Expert
Navigating the legal landscape is crucial, especially when it comes to foreign ownership in Bali. If you plan to invest more than $10,000, it’s highly recommended to consult a local legal advisor.
Platforms typically structure investments in line with Indonesia’s laws—often by setting up a PT PMA (foreign-owned company)—but a legal expert can ensure that your investment is fully compliant with local regulations and avoid costly legal missteps.
4. Visit Projects If Possible
Seeing a project firsthand is one of the best ways to assess its potential. If you’re able to, visit the property or business you’re considering investing in. Whether it’s a luxury villa, wellness retreat, or co-living space, experiencing it in person allows you to evaluate its location, construction quality, and amenities. Many platforms offer virtual tours if visiting in person isn’t feasible, giving you an opportunity to ask questions directly to the project managers.
5. Start Small, Then Scale
It’s always wise to begin with a smaller investment to understand the process and the risks involved. Starting small allows you to learn the ropes of crowd-investing, especially in markets like Bali, where properties and projects can be diverse. Once you’re comfortable, you can scale your investments into multiple projects—whether that’s co-owned villas, boutique hotels, or sustainable developments. Platforms often allow you to diversify your investments, which spreads risk and increases the potential for returns.
5. Diversify Your Portfolio
If you’ve fully grasped the ins and outs of crowd-investing, try diversifying your portfolio to maximize your returns. Investing in multiple projects allows you to spread your risk across different sectors and locations. It’s even better if your new investments differ from your first crowd-invested property or, ideally, spread your investments across the top opportunities we listed above. Diversifying your investments helps minimize exposure to market volatility while increasing the potential for returns. Whether it’s co-owned villas, wellness retreats, or F&B ventures, a balanced portfolio offers greater long-term stability and growth potential.
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FAQ
Yes, foreigners can participate in crowd-investing through platforms that structure investments legally—typically via PT PMA (foreign-owned companies) or nominee agreements. Always consult with a local legal advisor to ensure full compliance.
Crowd-investments in real estate or business ventures are generally illiquid, meaning your capital may be tied up for months or years. Some platforms may offer resale options or secondary markets, but liquidity is not guaranteed.
If a project underperforms, returns may be delayed or reduced, and in some cases, investors may not recoup their full principal. It’s important to review risk disclosures and performance guarantees (if any) provided by the platform before investing.
Returns are often based on rental yields, profit-sharing percentages, or revenue benchmarks outlined by the platform. Some projects also offer capital appreciation based on future resale value or business performance metrics.
Usually, no—most crowd-investments are passive. However, some platforms or agreements may offer limited input rights, voting privileges, or quarterly updates that keep investors informed on business strategies and performance.
Start Small Then Scale
Bali’s crowd-investment scene is evolving fast—and for good reason. With rising tourism, a booming real estate market, and a lifestyle-driven economy, the island presents real opportunities for investors who are willing to think differently.
Whether you’re interested in co-owning a beachfront villa or backing a new wellness retreat, crowd-investing offers a smart, flexible entry point. Just remember: success in Bali, like anywhere else, comes down to research, due diligence, and working with the right people.
Ready to take your slice of paradise? Crowd-investing in Bali might just be the most rewarding decision you make this year.
