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High Net Worth Investor - You earn more than €100,000 per year, or hold net assets of at least €250,000.
Sophisticated Investor - You have invested in more than one unlisted company, been a director of a company with an annual turnover of at least €1 million, or worked in private equity in the last two years, or you have been a member of a business angels network for at least the last six months.
Everyday Investor - You have not invested (and will not invest) more than 10% of your net assets per year in shares, bonds, fund or other securities that are not listed on a stock exchange. The Financial Conduct Authority refers to 'Everyday Investors' as 'Restricted Investors'.
We need to make sure you understand the risks of investing in startups and other growth-focused businesses.
Most early-stage and many growth-focussed businesses:
Succeed
Break Even
Fail
If I invest in the equity of an early-stage or growth-focussed business, and the business fails:
No one will be liable to pay me back the amount I invested, and my investment will be lost
The entrepreneurs who founded the business will be personally liable to pay me back the amount I invested
The broker or finder who arranged the transaction will be liable to pay me back the amount I invested
If I invest in the equity of an early-stage or growth-focussed business, and I decide I want my money back:
I will be able to surrender my shares to the company, and it will give me my money back
I will be able to sell my shares on a stock exchange at any time
I may not be able to sell my shares unless the business is bought by another company or floats on a stock exchange, and even if the businesses is bought or floats, a sale is not guaranteed
Do not pay dividends to their investors
Begin paying dividends to their investors within a year after the investment is made
Pay dividends to their investors from immediately after the investment is made
If I invest in the equity of an early-stage or growth-focussed business, the business succeeds, and I want to cash in on the success:
I will definitely be able to find someone to buy my shares in the business at any point
Unless the business is bought by another company or floats on a stock exchange, it will be difficult to find someone to buy my shares, and even if the businesses is bought or floats, it may still be difficult to find someone to buy my shares
The business will always be required to buy back my shares at a set price
If my shares represents 1% of the equity of an early-stage or growth-focussed business at the time I make the investment, and then the business issues additional shares at a later date:
My shares will continue to represent 1% of the equity of the business
Due to dilution, my shares will come to represent less than 1% of the equity of the business
Due to accretion, my shares will come to represent more than 1% of the equity of the business over time
Best practice when investing in early-stage and growth-focussed businesses involves:
Investing a small proportion of your available capital in those businesses, and allocating the majority of your capital to safer investments
Investing most of your available capital in those businesses, with very little allocated to safer investments
Which of the below options most accurately describe the objective of your business?
What types of businesses do you represent?
Venture capital fund
Private equity fund
Angel investor/network
Accountant
Financial adviser
Broker
Wealth manager
Private bank
Incubator/Accelerator
Family office
Service provider
Consultant
Other
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Investing carries risks, including loss of capital and illiquidity. Please read our Risk Warning before investing.
