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Crowdfunding Investing

Things to consider or learn about if you crowdfunding investing in securities.

What is a security?

A “security” generally refers to a financial instrument or an interest in a financial asset issued by another – typically a company. This can take the form of an equity (e.g., a residual or profit sharing) interest in a company or an interest in the debt of a company. Securities can take other forms too, …

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Some Basics on Saving and Investing

If you want to begin down the road to financial freedom, you should first develop achievable saving and investing goals. You won’t regret taking the time now to create a personal investment plan. Some things to consider: What are you looking to accomplish? When it comes to investment goals, be specific. Think about timing and …

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So.Capital

What is material information? And why does it matter?

The popstar Madonna is not the only one who appreciates the material world. The concept of “materiality” is used throughout the federal securities laws. The U.S. Securities and Exchange Commission (the “SEC”) has defined materiality since at least 1937, which is a long time considering that the SEC was founded in 1934. The SEC used …

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What is a Form 10-K (Annual Report)? And how to read it.

If you are an investor and want to follow or invest in a company with securities registered in the U.S. (i.e., a “public company”), the Form 10-K (Annual Report) is a great educational resource about public companies. Public company annual reports are filed with the U.S. Securities and Exchange Commission (the “SEC”) on a Form …

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Things to consider when investing in exempt securities

If you are considering investing in a private placement, or perhaps other exempt securities offerings, you ought to educate yourself on the private capital markets generally, including potentially seeking advice from a professional financial advisor. We do not provide financial advice but can identify a few objective facts to consider in advance of potentially making …

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How to think about risk and risk tolerance

The saying “no risk, no reward” applies in many contexts, but none more so than with investing. Risk is a fundamental aspect of investing. If you buy securities, especially illiquid securities in the private capital markets, you should understand that your capital will likely be locked up for a considerable period of time and that …

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A bit more on risk and its many forms

In a previous post, we wrote a bit about risk and how to think about it, including risk tolerance. Here, we write a bit more on the subject and a number of the different types of risk that investors face, including risks around: Liquidity (or Illiquidity) Liquidity refers to degree to which an asset can …

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What does it mean to rebalance a portfolio?

Rebalancing an investment or retirement portfolio, which typically includes securities and commodities, is what investors do to reset their allocated asset mix back to its original state. Over time, some assets in a portfolio will grow faster than others. Rebalancing helps ensure that an investor’s portfolio does not overweight into a particular asset category. For …

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What does it mean to diversify your investments?

Diversification is the practice of spreading capital among different investments to reduce the potential risk of losing that capital in any given investment. Basically, it’s generally not a good idea to put all your eggs in one basket. There are many ways to diversify your investments. For example, you can allocate your investment capital across …

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Asset Allocation

Asset allocation refers to the division of capital into different asset classes, such as stocks, bonds, and cash. How you allocate your assets into different classes is entirely up to you, perhaps with the help of your advisors, and will likely change over time. Factors to consider when determining your personal asset allocation, include: Time …

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