up companies and that's just patently unfair," FitzGerald adds. The SEC does currently allow private investments from "accredited investors," people with an annual income of more than $200,000, among other criteria, FitzGerald says. But "it makes the bar impossibly high and sort of mak[es] the rich richer," he notes.
It helps that the SEC set a generous cap of $1 million a year. "One million dollars is not what most companies need to get off the ground," FitzGerald points out. "Most companies in the start up world need $250,000 to $500,000," unless they are developing hardware or building a prototype. For Adidas Gazelle 2
open a spigot of funding for small Adidas Gazelle Og Navy/White Leather Trainers companies. "This would be revolutionary," notes Patrick FitzGerald, an angel investor and lecturer in Wharton's Goergen Entrepreneurial Management Program. "The number one challenge for any start up is raising capital. This will open up a fourth avenue that allows you to put your company up to the masses, and hopefully the masses will respond. "The other three ways start ups traditionally raise money is through family and friends, venture capitalists and banks, he adds. But friends and family may not have deep enough pockets to fund the company, while venture capitalists will only finance a business if it fits into certain categories and markets in which they are investing. Banks have capital, but require collateral such as a house, which can be a "terrifying" move for start up owners, FitzGerald notes. Adidas Originals Gazelle Indoor Trainers - Blue/White
"I would argue that if you [find] a company you like it makes financial sense that you should have the ability to invest your money in it. "But the downside of such democratization of funding is that some of these investments may be too risky for the average person, according to Wharton finance professor Luke Taylor, who notes that the typical small investor does not have the knowledge to properly vet a company. "Compared to a professional venture capitalist or angel investor, the typical person doesn't have the necessary skill set that you need to screen a good company from a bad company," he says. Further, it is "bad diversification" for individuals to add start up shares to an investment portfolio unless there is a way to buy into, say, 1,000 start ups, Taylor states. "Compared to a professional venture capitalist or angel investors, the typical person doesn't have the necessary skill set that you need to screen a good company from a bad company. " Luke TaylorHe adds tongue in cheek that crowdfunding is "great news" for entrepreneurs because "you might be able to find some unsuspecting grandma to fund your company. " Indeed, some ventures.
As such, many small companies would likely welcome equity crowdfunding as another way to raise funds.
investors, equity crowdfunding means they can directly put money into opportunities that were once set aside for an exclusive group of well heeled individuals, funds or companies, FitzGerald notes. "There are very select individuals and groups who, prior to this legislation, were the only ones who were able to invest in equities of start Mens Adidas Gazelle Ii Black Suede Trainers
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