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How to Start Investing in Stocks with Only $1, 000 #entrepreneur #ideas

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Start Investing With Only $1,000

So you have a $1,000 set aside, and you’re ready to enter the world of stock investing. But before you jump head first into the world of stocks and bonds, there are a few things you need to consider. One of the biggest considerations for investors with a minimal amount of funds is not only what to invest in but also how to go about investing. Not long into your investment journey you may find yourself bombarded with minimum deposit restrictions, commissions and the need for diversification, among a myriad of other considerations. In this article, we’ll walk you through getting started as an investor and show you how to maximize your returns by minimizing your costs.

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What are the account minimums?
To the inexperienced investor, investing may seem simple enough – all you need to do is go to a brokerage firm and open up an account, right? What you may not know, however, is that all financial institutions have minimum deposit requirements. In other words, they won’t accept your account application unless you deposit a certain amount of money. With a sum as small as $1,000, some firms won’t allow you to open an account.

Stocks
Stock brokers come in two flavors: full-service and discount. As the name implies, a full-service broker provides much more in the way of service, but it only deals with higher net worth clients. It’s not unusual to see minimum account sizes of $50,000 and up at full-service brokerages.

This leaves the $1,000-investor with the option of a discount broker. Discount brokers have considerably lower fees, but don’t expect much in the way of hand-holding. Fees are low because you are in charge of all investment decisions � you can’t call up and ask for investment advice. With $1,000, you are right on the cusp in terms of the minimum deposit. There will be some discount brokers that will take you and others that won’t. You’ll have to shop around.

You also could purchase shares directly from a company through direct stock purchase plans (DSPPs). But some of these plans have a minimum investment amount restriction, which ranges between $100 and $500.

With the advent of online trading, there are a number of discount brokers with no (or very low) minimum deposit restrictions. One of the most popular online trading sites is ShareBuilder. You will, however, be faced with other restrictions and see higher fees for certain types of trades. This is something an investor with a $1,000 starting balance should take into account if he or she wants to invest in stocks.

Mutual Funds and Bonds
If mutual funds or bonds are investments you would like to make, it is simpler in terms of minimum deposit amounts. Both of these can be purchased through brokerage firms, where similar deposit rules apply as stocks. Mutual funds also can be purchased through your local bank, often for less than $1,000 when you have an existing relationship with the bank.

If you want to purchase government bonds, this can be done straight from the government through TreasuryDirect. The only restriction here is the minimum purchase amount of a bond, which can range from $100 to $1,000.

Learn the Costs of Investing

Commissions
Before you open an investment account, you must also consider the costs that you will incur from purchasing investments once the account is open. In most cases, every time you purchase an investment, it will cost you money (through commissions). With a limited amount of funds, these transaction fees can really put a dent on your $1,000.

Investing in stocks can be very costly if you trade constantly, especially with a minimum amount of money available to invest. Every time that you trade stock, either buying or selling, you will incur a trading fee. Trading fees range from the low end of $10 per trade, but can be as high as $30 for some discount brokers. Remember, a trade is an order to purchase shares in one company – if you want to purchase five different stocks at the same time, this is seen as five separate trades and you will be charged for each one.

Now, imagine that you decide to buy the stocks of those five companies with your $1,000. To do this you will incur $50 in trading costs, which is equivalent to 5% of your $1,000. If you were to fully invest the $1,000, your account would be reduced to $950 after trading costs. This represents a 5% loss, before you investments even have a chance to earn a cent!

If you were to sell these five stocks, you would once again incur the costs of the trades, which would be another $50. To make the round trip (buying and selling) on these five stocks it would cost you $100, or 10% of your initial deposit amount of $1,000. If your investments don’t earn enough to cover this, you have lost money by just entering and exiting positions.

Mutual Fund Fees
There are many fees an investor will incur when investing in mutual funds. One of the most important fees to focus on is the management expense ratio (MER), which is charged by the management team each year based on the amount of assets in the fund. The higher the MER, the worse it is for the fund’s investors. It doesn’t end there: you’ll also see a number of sales charges called “loads” when you buy mutual funds.

In terms of the beginning investor, the mutual fund fees are actually an advantage relative to the commissions on stocks. The reason for this is that the fees are the same regardless of the amount you invest. So, as long as you have the minimum requirement to open an account, you can invest as little as $50 or $100 per month in a mutual fund. The term for this is called dollar cost averaging (DCA), and it can be a great way to start investing.

Reduce risk with Diversification
Diversification is considered to be the only free lunch in investing. (If you are new to this concept, check out Introduction To Diversification, The Importance Of Diversification and A Guide To Portfolio Construction.) In a nutshell, by investing in a range of assets, you reduce the risk of one investment’s performance severely hurting the return of your overall investment. You could think of it as financial jargon for “don’t put all of your eggs in one basket”.

In terms of diversification, the greatest amount of difficulty in doing this will come from investments in stocks. This was illustrated in the commissions section of the article, where we discussed how the costs of investing in a large number of stocks can be detrimental to the portfolio. With a $1,000 deposit, it is nearly impossible to have a well-diversified portfolio, so be aware that you may need to invest in one or two companies (at the most) to begin with. This will increase your risk.

This is where the major benefit of mutual funds comes into focus. Mutual funds tend to have a large number of stocks and other investments within the fund, which makes the fund more diversified than a single stock.

A Small Step Toward a Large Future
It is possible to invest if you are just starting out with a small amount of money. It’s more complicated than just selecting the right investment (a feat that is difficult enough in itself) and you have to be aware of the restrictions that you face as a new investor.

You’ll have to do your homework to find the minimum deposit requirements and then compare the commissions to other brokers. Chances are you won’t be able to cost-effectively buy individual stocks and still be diversified with a small amount of money. Given these restrictions, it’s probably worth starting out on your investment journey with mutual funds. However, like all aspects of investing, it’s up to you to do the research and figure out the strategy that suits you best.

by Chad Langager

Chad Langager is the Senior Financial Editor for Investopedia.com. Chad graduated from the University of Alberta Business School with a degree in finance.

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Online Investing

About the Online Investing Page:

Many investors find it more efficient to trade and manage their portfolios online. This requires a fair amount of education and research. Through our Online Investing section, we offer investors everything from the basics to the latest financial tools.

Investor Resource of the Week

Analyst Info – This page shows graphical representations of a company’s Consensus Recommendation, Detailed Analyst Recommendation, 12 Month Price Target Range, Earnings Surprise, Momentum (4 Weeks), Detailed Estimates Submitted, Earnings Growth, Price/Earnings, Consensus Earnings Forecasts and PEG Ratio.

Online Investing Articles

  • Diversification, Planners, and Brokers
    Of course you want your investments to grow. Here are some tips on diversification, choosing a broker and choosing a financial planner.
    Before you can invest for the future, you need to have money put aside for the present. Don’t be forced to liquidate some investments when an emergency arises. Build an emergency fund of three to six months’ living expenses, and you’ll be giving your online investments the best possible chance to grow. Read More
  • Investing in Stock
    Equities have been the road to wealth for many investors, but selecting the right ones for your portfolio is a difficult process. Chasing after the latest hot tip is no better than taping a newspaper stock page to a dartboard and throwing a dart. Take time to do some homework. This article is a good place to start in your search for unbiased advice for investing online. Read More
  • Money Market Comparison Chart
    This chart provides a quick comparison of rates on the three major types of money market accounts — taxable mutual funds, nontaxable mutual funds, and money market deposit accounts. Read More
    Check out our list of high yielding money market accounts and money market mutual funds:
    • Taxable Money Market Mutual Funds
    • Non-Taxable Money Market Mutual Funds
    • Money Market Accounts
  • Margin Trading
    It’s no secret that the advent of credit did wonders to beef up our modern economy, and the stock market has been no exception. While most new online investors buy stock through traditional cash accounts, there is another way. Read More
  • Two Sides to Every Trade
    One of the hardest concepts for a new investor to grasp is the idea that every single trade represents a difference in perception between you and whoever’s on the other side of the transaction. What do you know that the other guy doesn’t? Read More
  • Analyze Mutual Fund and ETF Fees and Expenses
    Fees and expenses can vary widely from fund to fund. Here�s a tool to help you compare how sales loads, fees, commissions, and other fund expenses can affect returns. Even small differences in expenses can make a big difference in your return over time. Read More
  • How to Trade Options
    Stock options are an incredibly versatile online investment flavor. Despite their reputation as an instrument for high-rollers, there are several conservative options strategies almost anyone can employ. Sophisticated investors find options can be highly profitable. Read More
  • Test Your Financial Knowledge
    Today, more than 84 million Americans and countless others around the world invest in the U.S. equities markets, some directly, others through pension plans, mutual funds, and other vehicles. The NASD recently surveyed investors to get an idea of what people know – and what people may not know – about investing. See how you stack up against other investors. Read More

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Five Investing Pitfalls To Avoid, According to Investor s Business Daily #online #home #business

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Five Investing Pitfalls To Avoid, According to Investor s Business Daily

Big stock market winners look a lot alike — they have strong earnings and sales growth, a dynamic new product or service, leading price performance and rising mutual fund ownership. Interestingly, successful investors share similar traits.

Top investors always keep their losses small; they never average down in price; they don’t immediately shun a stock because it has a high price-earnings ratio (P/E Ratio); and finally, they pay attention to the general health of the market when they buy and sell stocks.

Yet, at the same time, many investors still operate using unsound principles. Successful investors learn to avoid the common pitfalls, and follow these insights that can put you well on your way to becoming a better investor.

Buying Low-Priced Stocks
What sounds better? Buying 1,000 shares of a $1 stock or buying 20 shares of a $50 stock? Most people would probably say the former because it seems like a bargain, with more opportunity for big increases from owning more shares. But the money you make in a stock isn’t based on how many shares you own. It’s based on the amount of money invested.

Many investors have a love affair with cheap stocks, but low-priced stocks are generally missing a key ingredient of past stock market winners: institutional sponsorship.

A stock can’t make big gains without the buying power of mutual funds, banks, insurance companies and other deep-pocketed investors fueling their price moves. It’s not retail trades of 100, 200 or 300 shares that cause a stock to surge higher in price, it’s big institutional block share trades of 10,000, 20,000 or more that cause these great jumps in price when they buy — as well as great price drops when they sell.

Institutional investors account for about 70% of the trading volume each day on the exchanges, so it’s a good idea to fish in the same pond as they do. Stocks priced at $1, $2 or $3 a share are not on the radar screens of institutional investors. Many of these stocks are thinly traded so it’s hard for mutual funds to buy and sell big volume shares.

Remember: Cheap stocks are cheap for a reason. Stocks sell for what they’re worth. In many cases, investors that try to grab stocks on the cheap don’t realize that they’re buying a company mired in problems with no institutional sponsorship, slowing earnings and sales growth and shrinking market share. These are bad traits for a stock to have. Institutions have research teams that seek out great opportunities, and because they buy in huge quantities over time, consider piggybacking their choices if you find these fund managers have better-than-average performance.

The reality is that your prospect of doubling your money in a $1 stock sure sounds good, but your chances are better of winning the lottery. Focus on institutional quality stocks.

Avoiding Stocks With High P/E Ratios
“Focus on stocks with low P/E ratios. They’re attractively valued and there’s a lot of upside.” How many times have you heard this statement from investment pros?

While it’s true that stocks with low P/E ratios can go higher, investors often misuse this valuation metric. Leaders in an industry group often trade at a higher premium than their peers for a simple reason: They’re expanding their market share faster because of outstanding earnings and sales growth prospects.

Stocks on your watch list should have the traits of past big stock market winners we mentioned earlier: leading price performance in their industry group, top-notch earnings and sales growth and rising fund ownership, to name a few. A dynamic new product or service doesn’t hurt either.

Stocks with “high” P/E ratios share a common trait: their performance shows there’s plenty of bullishness about the company’s future prospects. For example: In Aug 2003, stun-gun maker Taser International had a P/E of 44 before a 900% increase. At the time, the market was bullish about the firm’s earnings and sales growth prospects. The market turned out to be right. For five straight quarters, Taser has posted triple-digit earnings and sales gains.

More great examples come from the medical, retail, and oil and gas sector, which were all strong performers in the 2003-2004 period. The table below shows leading stocks in the sectors that staged big price runs from seemingly high P/E ratios. In every case, it was explosive fundamentals that drove their stock price.

At end-Oct 2004, the average P/E Ratio of stocks in the S P 500 Index was around 17.

Letting Small Losses Turn Into Big Ones
Insurance policies help us minimize risk when it comes to our health, home or car. In the stock market, most people don’t even think about buying insurance policies with individual stocks but it’s a good practice.

Cut your losses in any stock at 7% or 8% and you’ll never get hit with a big loss. This is your insurance policy. If you buy stocks at the right time, they should never fall 7-8% below your purchase price.

A small loss in a stock can easily be overcome. It’s the big ones that can do serious damage to a portfolio. Take a 50% loss on a stock, and it would need to rise 100% to get back to break-even. But if you cut your losses at 7% or 8%, a single 25% gain can wipe out three 7%-8% losses.

Here’s a set of hypothetical trades to illustrate the point. Even if you had made these seven trades over a period of time – and taken losses on five of them – you would still come out ahead by more than $3,700. That’s because the two stocks that worked out resulted in a combined profit of $5,500. And the five losses – all capped at 7% or 8% – added up to $1,569.

The rationale for that 7% Sell Rule was never clearer than in the bear market that began in Mar 2000. It caused unnecessary, severe damage to many investors’ portfolios. Small losses in tech stocks snowballed into huge ones. Some stocks lost 70%-80% or more of their value. Some will never reclaim their old highs. Others may, but it’ll be a long road back. All successful investors share one trait: they firmly recognize the importance of protecting hard-earned capital by selling fast when a stock declines 7% or 8% from where they bought it.

If a stock you own starts to fall on expanding trading volume, it’s usually better to sell first and ask questions later, rather than the other way around. Keep losses small to avoid severe damage. You can always re-enter the game if you’ve only lost 7%. Don’t ever look back after a smart sell, even if the stock rebounds. You have no way of knowing its future, so you are best off reacting to what your stock is telling you right now. Learning this trait is hard — but it will save you a great deal in the long run.

Averaging Down
Averaging down means you’re buying stock as the price falls in the hopes of getting a bargain. It’s also known as throwing good money after bad or trying to catch a falling knife. Either way, trying to lower your average cost in a stock is another risky proposition.

For example, take Amazon.com between June and Oct of 2004. Its chart revealed much institutional selling by mutual funds and other big investors.

In June, it was a $54 stock. In July, it was a $45 stock. Investors who bought in at $45 may have thought they were getting a bargain, but they weren’t paying attention to multiple heavy-volume declines in the stock. What’s the sense of buying a stock when mutual funds and other big investors are selling big blocks of shares? That’s a tough tide to swim against.

When Amazon released its earnings on Oct 21, it fell another 10% to around $37. In general, stock charts tell bullish or bearish stories long before headlines do. In Amazon’s case, heavy volume declines between July 8 to 23 told a bearish story.

Buying Stocks In A Down Market
Some investors don’t pay any attention to the current state of the market when they buy stocks. And that’s a mistake.

The goal is to buy stocks when the major indexes are showing signs of accumulation (buying: heavy volume price increases) and to sell when they’re showing signs of distribution (selling: heavy volume price declines). Three-fourths of all stocks follow the market’s trend, so watch it each day, and don’t go against the trend. It’s not hard to tell when the indexes start to show signs of duress.

Distribution days will start to crop up in the market where the indexes close lower on heavier volume than the day before. In this case, a strong market opening will fizzle into weak closes. And leading stocks in the market’s leading industry groups will start to sell off on heavy volume. This is exactly what happened at the start of the bear market in Mar 2000.

When you’re buying stocks, make sure you’re swimming with the market tide, not against it.

CAN SLIM™ and the IBD Way
If you are a reader of Investor’s Business Daily (IBD) or any other of William O’Neil’s writings, you may have noticed that these five pitfalls compliment the CAN SLIM methodology of stock selection. By avoiding low-priced stocks, looking beyond the P/E, implementing a stop-loss plan, not averaging down and monitoring the overall market, you’ll be well on your way to a sound investing strategy based on years of studies and research from IBD.

For more on CAN SLIM, see Finding The Magic Mix Of Fundamentals And Technicals or Guide To Stock-Picking Strategies .





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    Online investing, equity crowdfunding, business finance: Crowdcube #business #stationary

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    DISCLAIMER

    THE MATERIALS YOU ARE SEEKING TO ACCESS ARE BEING MADE AVAILABLE BY THE COMPANY RAISING FINANCE AS IDENTIFIED ABOVE (THE COMPANY ) IN GOOD FAITH AND FOR INFORMATION PURPOSES ONLY AND SUBJECT TO THESE TERMS AND CONDITIONS. CROWDCUBE CAPITAL LTD IS AUTHORISED BY THE FCA AND CARRIES OUT DUE DILIGENCE ON EACH COMPANY THAT LISTS ON CROWDCUBE AS SET OUT HERE .

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    In particular, unless otherwise determined by the Company and permitted by applicable law and regulation, it is not intended, subject to certain exceptions, that any offering of the securities mentioned in such materials (the Securities ) by the Company would be made, or any documentation be sent in or into, the United States, Canada or Japan. There will be no public offering of the Securities in the United States.

    In order to access the pitch you must first become a qualifying member of Crowdcube on the basis of your status as either (i) self-certified high net worth investor , (ii) certified sophisticated investor , (iii) self-certified as a sophisticated investor or (iv) certified as a restricted investor , in each case in accordance with the FCA s Conduct of Business Sourcebook Chapter 4.7. Potential investors are encouraged to cross examine the Company by interactive due diligence and use of the available online forums to bring the wisdom of the crowd to bear. Accessing the pitch also means you agree to Crowdcube s most recent website terms and conditions and investor terms and conditions. which include Crowdcube s limitation of liability.

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    Getting Started With Angel Investing #how #to #start #a #business

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    Getting Started With Angel Investing

    What it is: Angel investors might be professionals such as doctors or lawyers, former business associates — or better yet, seasoned entrepreneurs interested in helping out the next generation. What matters is that they are wealthy and willing to invest hundreds of thousands of dollars in your business in return for a piece of the action.

    How it works: Generally, the angels need to meet the Securities Exchange Commission s (SEC) definition of accredited investors. They each need to have a net worth of at least $1 million and make $200,000 a year (or $300,000 a year jointly with a spouse).

    Angel investors give you money. You sell them equity in the company, filing the investment raise with the SEC. Angel investments commonly run around $600,000. Most investments rounds also involve multiple investors, thanks to the proliferations of angel groups.

    Upside: Angel investments can be perfect for businesses that are established enough that they are beyond the startup phase, but are still early enough in the game that they need capital to develop a product or fund a marketing strategy.

    Many businesses receiving angel investments already have some revenue, but they need some cash to kick the enterprise to the next level. Not only can an angel investor provide this, but he or she might become an important mentor. Because their money is on the line, they will be highly motivated to see your business succeed.

    Downside: You could be giving away anywhere from 10 to more than 50 percent of your business. On top of that, there s always the risk that your investors will decide that you are the business greatest obstacle to success, and you could get fired from the company you created.

    Angel investors, like venture capitalists, also like to see an end game down the road that will allow them to pocket their winnings, whether it is a public offering or your business getting acquired by another company. You might have to give up running your enterprise before you re done having fun with it.

    How to get it: It used to be that angel investors were wealthy people the business owner knew. Or they might be veteran entrepreneurs who were discovered through old-fashioned networking at the local Chamber of Commerce, the area Small Business Development Center. or a trusted banker, lawyer or accountant.

    These days, though, angel groups are proliferating, offering plenty of mentoring and coaching on top of the money provided.

    The Overland, Kan.-based Angel Capital Association (ACA) has an online listing of angel groups that are members in good standing, as well as organizations affiliated with the ACA.

    Other websites to check out include AngelList and MicroVentures .





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    How to Invest in Stocks – Stock Investing 101 #carpet #cleaning #business

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    How to Invest in Stocks – Stock Investing 101 – TheStreet

    Stocks are an equity investment that represents part ownership in a corporation and entitles you to part of that corporation’s earnings and assets.

    Common stock gives shareholders voting rights but no guarantee of dividend payments. Preferred stocks provides no voting rights but usually guarantees a dividend payment.

    In the past, shareholders received a paper stock certificate — called a security — verifying the number of shares they owned. Today, share ownership is usually recorded electronically, and the shares are held in street name by your brokerage firm.

    Investing in stocks can be tricky business. In fact, it’s best to treat all of your investment pursuits as a business. Heck, that’s what Benjamin Graham (Warren Buffett’s stock market mentor) recommended.

    Before you buy your first stock, you should master the basics of stock investing. This won’t make you a great investor overnight, but only when you understand the fundamentals of investing can you learn how to invest in stocks with confidence.

    If you found this content useful, please share it. This will help us create more educational guides for investors.

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    Online investing, equity crowdfunding, business finance: Crowdcube #business #grants #for #women

    #business investment

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    DISCLAIMER

    THE MATERIALS YOU ARE SEEKING TO ACCESS ARE BEING MADE AVAILABLE BY THE COMPANY RAISING FINANCE AS IDENTIFIED ABOVE (THE COMPANY ) IN GOOD FAITH AND FOR INFORMATION PURPOSES ONLY AND SUBJECT TO THESE TERMS AND CONDITIONS. CROWDCUBE CAPITAL LTD IS AUTHORISED BY THE FCA AND CARRIES OUT DUE DILIGENCE ON EACH COMPANY THAT LISTS ON CROWDCUBE AS SET OUT HERE .

    This investment opportunity is not an offer to the public and is only available to registered members of Crowdcube.com who have qualified and categorised themselves as able to invest. The investment opportunity is not directed at persons located in the United States, Canada or Japan. Any person resident outside the United Kingdom who wishes to view these materials must first satisfy themselves that they are not subject to any local requirements that prohibit or restrict access.

    In particular, unless otherwise determined by the Company and permitted by applicable law and regulation, it is not intended, subject to certain exceptions, that any offering of the securities mentioned in such materials (the Securities ) by the Company would be made, or any documentation be sent in or into, the United States, Canada or Japan. There will be no public offering of the Securities in the United States.

    In order to access the pitch you must first become a qualifying member of Crowdcube on the basis of your status as either (i) self-certified high net worth investor , (ii) certified sophisticated investor , (iii) self-certified as a sophisticated investor or (iv) certified as a restricted investor , in each case in accordance with the FCA s Conduct of Business Sourcebook Chapter 4.7. Potential investors are encouraged to cross examine the Company by interactive due diligence and use of the available online forums to bring the wisdom of the crowd to bear. Accessing the pitch also means you agree to Crowdcube s most recent website terms and conditions and investor terms and conditions. which include Crowdcube s limitation of liability.

    If you are not permitted to view materials on this webpage or are in any doubt as to whether you are permitted to view these materials, please exit this webpage. Crowdcube s or the Issuer s press announcements and this information page do not constitute an offer to sell securities of the Company. Further, it does not constitute a recommendation by the Company, Crowdcube or any other party to sell or buy securities in the Company.

    By registering or logging into Crowdcube.com to view the investment opportunity, you certify that you are legally entitled to view the investment opportunities, are an authorised investor and you agree to all applicable terms and conditions on this website, including this disclaimer.





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    Getting Started With Angel Investing #finance #companies

    #small business investors

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    Getting Started With Angel Investing

    What it is: Angel investors might be professionals such as doctors or lawyers, former business associates — or better yet, seasoned entrepreneurs interested in helping out the next generation. What matters is that they are wealthy and willing to invest hundreds of thousands of dollars in your business in return for a piece of the action.

    How it works: Generally, the angels need to meet the Securities Exchange Commission s (SEC) definition of accredited investors. They each need to have a net worth of at least $1 million and make $200,000 a year (or $300,000 a year jointly with a spouse).

    Angel investors give you money. You sell them equity in the company, filing the investment raise with the SEC. Angel investments commonly run around $600,000. Most investments rounds also involve multiple investors, thanks to the proliferations of angel groups.

    Upside: Angel investments can be perfect for businesses that are established enough that they are beyond the startup phase, but are still early enough in the game that they need capital to develop a product or fund a marketing strategy.

    Many businesses receiving angel investments already have some revenue, but they need some cash to kick the enterprise to the next level. Not only can an angel investor provide this, but he or she might become an important mentor. Because their money is on the line, they will be highly motivated to see your business succeed.

    Downside: You could be giving away anywhere from 10 to more than 50 percent of your business. On top of that, there s always the risk that your investors will decide that you are the business greatest obstacle to success, and you could get fired from the company you created.

    Angel investors, like venture capitalists, also like to see an end game down the road that will allow them to pocket their winnings, whether it is a public offering or your business getting acquired by another company. You might have to give up running your enterprise before you re done having fun with it.

    How to get it: It used to be that angel investors were wealthy people the business owner knew. Or they might be veteran entrepreneurs who were discovered through old-fashioned networking at the local Chamber of Commerce, the area Small Business Development Center. or a trusted banker, lawyer or accountant.

    These days, though, angel groups are proliferating, offering plenty of mentoring and coaching on top of the money provided.

    The Overland, Kan.-based Angel Capital Association (ACA) has an online listing of angel groups that are members in good standing, as well as organizations affiliated with the ACA.

    Other websites to check out include AngelList and MicroVentures .





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