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How to navigate the crowdfunding landscape

A new step for the SEC

Entrepreneurs in the United States are one step closer to being able to raise

capital from just about anyone via online investment platforms.

On Wednesday, the US Securities and Exchange Commission proposed new rules

that, if approved will allow individuals to buy into start-ups through

crowdfunding portals. As it stands, entrepreneurs can only sell stakes in their

start-ups to investors who are accredited - that is, they meet certain

standards such as at least a $1 million net worth and have a high annual

income.

Just before the SEC vote, SEC Commissioner Michael Piwowar told the Washington

Post that crowdfunding allows small firms to "access capital from sources that

were previously unavailable" while giving "all investors, not just so-called

accredited investors, the opportunity to invest in entrepreneurs and their

ideas at an earlier stage than ever before."

With more opportunities to invest come new ways for people to raise money - and

also new fears about fraud. Here's a look at what you need to know to make the

most of crowdfunding - and to protect yourself.