A villa with a pool in Bali, a monthly income in EUR on your bank account, and someone else running the operations. The starting amount is €20,000.
To some, that sounds like a scam.
For Americans, who have been investing through Pacaso for four years, it's business as usual. In Europe, the same model is being rolled out by Vivla, August Collection and Nautico. In Bali, it's us — AMANI World. And in this article I'll show you exactly how it really works.
What fractional investing is
Fractional investing is a model in which you buy a share in a specific property instead of the whole property. Several investors pool their capital, the villa is purchased and operated as a short-term rental
(Airbnb, Booking, direct booking), and every investor receives a share
of the net income every month.
It works like company shares — but instead of a company, you own a share in a specific villa. You know its exact address and GPS coordinates, you can visit, you can stay there on free nights (2 nights a year at a €20,000 investment,
proportionally more at higher amounts), and the monthly report shows you exactly how many guests stayed and how much money it generated.
You own a share in one specific villa with an address, photos and monthly reports — not an abstract piece of a fund.
How it works at AMANI specifically
The villas in our portfolio sit in Bali's top locations — Canggu, Munggu, Uluwatu, Ubud. We only choose areas with demonstrably strong short-term rental demand. A whole villa in the portfolio typically costs €280,000 to €600,000, depending on location, size and specification. We acquire villas through a 35-year leasehold with an extension option — the strongest form of land tenure available to foreign investors in Indonesia.
The size of your share depends on your investment
Investment starts from €20,000. Your percentage follows the price of the specific villa — at a €349,000 villa, €20,000 buys roughly a 5.73% share; at a larger villa, naturally less. On top of that you get 2 free nights a year in the villa (proportionally more at higher investments). No minimum fees, no hidden charges.
What you get besides the share
- An investment certificate — your official proof of the villa share, stating your exact percentage
- A monthly report — by email, around the 10th of each month. It covers gross income, occupancy, the main cost items, the net income attributable to your share and the amount paid out in EUR to your IBAN at the current exchange rate
- A monthly payout in EUR — typically within 15 days of the report, straight to your bank account
- Free stays — proportional to your investment, plus a 25% discount on further nights whenever the villa is free
- An exit option — after the 10-month lock-in you can sell your share to a third party or offer it back to AMANI (30-day right of first refusal)
Investment guide
We'll send you the detailed investment guide
A detailed description of the model, financial projections, the structure of the cooperation and the full agreement.
How this differs from other models
Fractional ownership is not an investment fund
With a fund, your money goes into a large anonymous pool, a fund manager spreads it across dozens of properties, and you receive an averaged return. You never see the actual properties, you don't know where they are, and you can't visit them.
With fractional ownership, you know the exact villa — the address, GPS, layout, plot, furnishings and the operating team (villa manager, maintenance, gardener, security, housekeeping). Everything is transparent and visible in the monthly report.
Who this suits — and who it doesn't
Fractional investing in a Bali villa is right for you if:
- You're looking for diversification beyond the eurozone and your home property market
- You want a higher yield than a passive city flat delivers (typically 3–4% p.a. vs. AMANI's modelled 15–18% p.a. after costs)
- You don't want to handle rentals, guests, maintenance and taxes yourself
- You want a physical presence in your investment — you can go there, see the villa, stay in it
- You have €20,000+ of investable capital you won't need for the next 12 months
It's not right for you if:
- You're looking for a guaranteed return — nobody can honestly give you one on any property investment, and neither can we
- You need short-term liquidity — we have a 10-month lock-in
- You want to physically own a whole villa and run it yourself
- You're not prepared to accept the usual risks (seasonality, currency movements, exceptional events)
A private pool opening onto a tropical garden — the typical standard of an AMANI portfolio villa.
A worked example — a €20,000 investment
The investor sends €20,000 to the account of AMANI World s.r.o. (SEPA transfer) or directly to the account of our Indonesian company (PT) in IDR. At a villa valued at €349,000, this buys roughly a 5.73% share. At a different villa, the percentage naturally shifts with its price.
At a target occupancy of around 75% and a typical rate of €280–350 per night, the modelled gross annual income of a premium villa is in the range of 75 000–95 000 €. After operating costs, the management fee and the sinking fund, the villa's modelled net annual income lands in the range of 40 000–52 000 €.
Of that, 5.73% belongs to the investor = a modelled €2,300–3,000 net per year, paid out monthly in EUR to your IBAN. Plus 2 free nights a year in the villa and a 25% discount on further stays.
At higher investments (€50,000, €100,000), both the income and the number of free nights scale proportionally.
The open-plan layout of the Munggu villa — dining, kitchen and pool in one flowing space.
Next steps
If the model has caught your interest, the next step is simple:
- Download the investment guide covering our model, projections and legal structure
- Send me your questions on WhatsApp +421 905 405 950 or by email info@amaniproperty.com
- We'll set up a 30-minute call at a time that suits you — no slide decks, no pressure
And when you're in Bali, I'll personally take you to see the villa. No obligations. Sometimes 30 minutes on site makes everything click in a way a document never will.