Investing As A Non-Accredited Investor

Non-Accredited Investor


Regulation Crowdfunding (RegCF) has created opportunities for non-accredited investors to invest in companies and has given companies the opportunity to raise capital outside traditional venture capital.

For novice investors:

When you hear the word investing, images of day traders and wealthy stockbrokers vigorously trading at high stakes may come to mind.

But you need to be neither a millionaire nor an expert in the stock market in order to begin investing. There are multiple investing avenues for a retail investor: mutual funds, real estate, and direct investing, to name a few.

When people speak of individual or retail investors, they are often referring to non-accredited investors. Non-accredited investors are individuals who earn under $200,000 in one year and have a million or less in assets excluding their primary residence. Non-accredited investors actually make up the bulk of retail investors in the United States: 91.75% of investors in America are non-accredited. This term essentially covers the vast majority of American individuals.

The SEC regulates what a non-accredited investor is able to invest in; their investment choices are limited for their own financial safety, preventing potential financial losses. Although options are limited, this does not mean that non-accredited investors don’t have the opportunity to invest in a variety of securities. Where private and hedge funds deal primarily with accredited investors, since there is more risk and volatility, mutual funds deal more with non-accredited investors, as the SEC deems them eligible to invest in them. Due to recent changes by the SEC, there are a variety of options available to non-accredited individuals including direct investing, real estate, equities, municipal bonds, and Peer-to-Peer loans, allowing them to invest in a diverse array of securities.

Regulation Crowdfunding (RegCF) has opened up opportunities for non-accredited investors and has supported all sides of the community including helping start-ups across the country fund their companies. Getting started investing via RegCF is a lot easier than you might think. Pyrium provides education materials to help you understand more about investing in private companies and how funding portals work.  If you’re interested in learning more, sign up for our newsletter on and follow us on our social media channels.

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