What is RetireAmerica.com?
RetireAmerica.com is a platform designed to bring together investors and cheapest viagra america entrepreneurs. We offer a unique investment process that protects capital for the investors, and if the company performs well, provides a mechanism for and may help facilitate future financings. This protects the investor from downside while also allowing for increased returns.
Will I be able to speak with the diflucan no prescription management of the company I wish to Invest in?
Yes, in fact we encourage it! We believe that understanding management is one of the most important aspects when investing in a company. When you register as an investor you will gain access to recorded conference calls, and a forum were you can talk with management one on one.
What are the risks?
All investments have inherent risk, that’s why RetireAmerica.com helps to mitigate these risks with our unique Capital Protected Investment Product. If you choose a capital protected option when you invest, the protected portion of the capital will be invested in government securities and when the securities mature the investor will receive the protected amount back in accordance with the option chosen. (Ex: An investor chooses the 100% capital protection option when initially investing, they will receive 100% of the capital back that was invested when government securities mature). If you do not choose a capital protection option you could lose part or all of your investment. You should seek professional advice before investing in companies found on this site.
What are the differences between equity and debt investments?
When a company looks for financing they will either sell stock or borrow money (incur debt). When you invest in the coupons viagra equity of the company, you own a piece of the company and hope to realize an increase in the value of the investment as the company grows. When you invest in debt (loan money) you will typically receive interest, but will not be able to realize a gain on the investment due to the growth of the company. In the case of a failing company, debt holders hold preference over the equity holders for any return of their investment.
What is an Accredited Investor?
The term Accredited Investor is defined by SEC Regulation D Rule 501 as:
- a natural person who has individual net worth, or joint net worth with the person’s spouse, that exceeds $1 million at the time of the purchase, excluding the value of the primary residence of such person
- a natural person with income exceeding $200,000 in each of the two most recent years or;
- joint income with a spouse exceeding $300,000 for those years and a reasonable expectation of the same income level in the current year
How will I get my money back?
Companies in which you invest may or may not succeed, and the silagra for sale value of your investment will go up or down accordingly. The ability to resell the investment you make will depend on many factors. Some factors for resale will be listed in the documents provided when financing the company. Generally investments in non-public companies may be sold either to other accredited investors, through an outright sale of the company, or may become available to resell in the public markets after the company does an IPO. Unless you choose the 100% capital protected option, it is always possible you will lose part or all of your investment.
Who determines the terms of the offering?
RetireAmerica.com will work with the management of each company to establish the terms of the offerings. Companies selling securities on the portal will have established these terms before being listed.
How will these investments affect my taxes?
Tax implications of investments can be complex, and will vary with each investor. If you choose a capital protection option there could be tax consequences for you due to the accretion of the zero coupon bonds if not investing through a IRA or 401(k) plan. It is recommended that you consult with your tax advisor before making investments.
Will the company provide me with updates on progress?
Yes. Companies typically present investors with periodic updates on performance.
Where can I learn more about the JOBS Act?
Information about the JOBS act can be found here.
How does the JOBS Act impact RetireAmerica.com?
RetireAmerica.com operates a portal which allows investors to view investments online. Starting September 23, 2013 the SEC allows general solicitation for certain Reg. D private securities offerings. This means that we can market the securities to accredited investors by general advertising according to applicable laws and regulations. In the future the SEC will enact Title III of the JOBS Act and levitra viagra online allow anyone to invest in company financing’s up to $1 Million.
Why can’t I see any offerings without first registering?
Only Accredited Investors will be allowed to invest in Reg. D private placements sold through advertisement. Registration is the means by which we “pre-qualify” our investors as “accredited”.
Are there any fees or expenses for me as an investor?
Nope! Signing up is free and you will not be charged when you invest in companies. RetireAmerica.com will earn a success fee contingent on the closing of the financing, but this is paid by the company raising money. Any fees paid by the company are disclosed in the offering documents.
What makes RetireAmerica.com different from other investment products?
RetireAmerica.com offers a unique Capital Protected Investment Product that allows the investor to choose the amount of capital they are willing to risk. If you choose a capital protection option, you will receive the protected capital back when the treasury securities mature.
What happens when the company I invest in fails?
If you chose one of the capital protection options, then you will receive the protected capital back when the treasury securities mature. If you did not choose a capital protection option you may face the risk of losing all money invested.
Why choose capital protection?
Investing in small private companies is risky. RetireAmerica.com seeks to alleviate some of the risk by offering investors the opportunity to protect a portion of the capital they invest. In the event that the company you invested in fails, you will receive protected capital back when the treasury securities mature. If the company does well and requires future financing you will have the option to convert the protected capital into more equity in the company and maximize potential gains.
Why convert my protected capital?
You will only have this ability if the company you invested in does well. If it does well, the company might need more financing to grow. If it does, than at that point investors can convert the protected capital into more equity so that they can maximize any potential gains.
How will I know when I can convert the protected capital?
When a company needs future financing, we will alert you that a new financing round has commenced and that you can convert.
What happens when the company I invest in gets sold or goes public?
When a company you invested in gets sold you will receive your pro-rata share of any proceeds from the sale. If a company goes public you will have the option sell your shares to the public at the time of the IPO, or you can keep your shares to keep participating in the growth of the company.