Overview

An accessible, low-risk approach to investing via a brand new alternative investment mechanism CrowdBureau explains concepts of the rise of Crowd Finance in today's re-regulated and democratized global capital markets; how the JOBS Act is proving to be a game-changer for entrepreneurs and retail investors;and how it can benefit the portfolios of retail investors, private equity investors, angel investors, and venture capitalists while spurring innovative entrepreneur movements and social impact. Written by a securities (equity and debt) crowdfund investing industry pioneer, this book provides clear explanations of the fundamental concepts at work and the forces that will catalyze capital formation, foster transparency, and encourage market confidence. Crowd Finance, which includes Equity and Debt Crowdfunding, Peer-to Peer Lending (P2P), Liquid Alternative Funds, Pension Led Funding, and Seed Enterprise Investment Schemes, is in its infancy. The book argues that Crowdfund Investing can enable an equity income approach to investing for an easy, low-risk option that balances the issue of record low yields seen in other assets like bank deposits and bonds. Several brand name private equity and hedge funds, most notably AQR, Blackstone, and Apollo Global Management, have recognized the distribution opportunities and developed vehicles aimed squarely at retail clients, with minimum investments of as low as $2,500 in some cases. The distribution opportunities for alternative vehicles targeting retail investors are potentially enormous. Approximately $19 trillion in assets is up for grabs from defined contribution (DC) pension schemes, individual retirement accounts, annuity reserves, broker-dealers, and registered investment advisers (RIAs). Readers will gain a deeper understanding of alternative investments strategies with practical guidance backed by supporting theory and the experience of a practitioner at the forefront of this burgeoning Crowdfund Investing industry. Over the last decade, the challenging economic and market background has led to lower returns and higher volatility across many asset classes. The 2012 JOBS Act?designed to bolster business growth and create jobs?reformed the Securities Act of 1933 and 1934 for small and medium-sized business owners and created an environment that supports crowdfund investment as an asset class. CrowdBureau is a comprehensive guide to the topic, providing a thorough explanation for those interested in building a more robust portfolio. Understand the fundamental principles of Crowd Investing Learn how the depressed economy and the rise of social computing affect investing Understand the interplay between collective intelligence, deliberative democracy, and consumption Discover the principles that will shape capital markets for the 21st century For many people, the objective of investing is to achieve long-term capital growth with an acceptable level of risk, and securities-based crowdfunding was designed to do just that. For investors seeking an alternative approach to the market, CrowdBureau is a detailed guide to a new method of low-risk investing.

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9781118936771

Table of Contents

Foreword Preface Acknowledgments Chapter 1: An Economic Paradigm Shift: The JOBS Act Global Economic Statistics Regulatory Reform Provisions of the JOBS Act Disclosure Obligations, Internal Controls and Other Limitations Due Diligence Uncertainty for Companies International Regulations Regulation D, Rule 506(c) Results Summary Key Takeaways Addendum 1: Invest in Political Influence Synopsis of the First Page of the 568 Pages of the Final Proposed Rules Addendum 2: SEC Letters Chapter 2: Capital Formation Investment Freedom Leading to Economic Growth A Disenfranchised Market Place: Women Millennial Generation - Gen Y The Gini Index: Measuring Income Distribution Interpreting the Gini Index Trends in Inequality Inequality of Wealth Capital Formation spurs Wealth Creation Summary Key Takeaways Chapter 3: Savings and Investment Investment Limit of $100,000 for Title III (Crowdfunding) deals Do You Know Your Finances? Pennies Start to Add up to Big Money Are You Using Credit Cards? Do You Have Other High Interest Debt? Save for a Rainy Day What Does It Mean to Invest Gauge Your Risk Tolerance Diversify Your Investments Learn About Investment Options Investment Choices Five Questions to Ask Before You Invest What is Risk? Types of Risks Are There Any Guarantees? Understanding Fees Summary Key Takeaways Chapter 4: Social Penetration Theory Crowd + Source Bounty and Spread Social Penetration Theory Social Engagement Why social capital is important Bridging, bonding and linking social capital Summary Key Takeaways Exercises Chapter 5: Web 3.0 Unbanked Innovation? New Use Patterns Marginal Cost Society Go Mobile Global Africa Haiti IBM Access to Credit within Minutes Case Study #1: Bishop Company Case Study #2: Gracious Home Data versus Information Rapid Shift to Knowledge Summary Key Takeaways Chapter 6: Principle of Effective Demand Information versus Big Data Big Data Defined CB ValuationTM: what if Approach Economic Theory Assumptions Behind a Perfectly Competitive Market Summary Key Takeaways Chapter 7: Funding for Emerging Growth Companies Venture Capital Market European Venture Capital Fundraising Falls Significantly from 4Q 2013; Yearly Trend Continues Equity Finance into Europe, VC backed Companies, by Country (1Q14) Impact Investors And Where Do the Banks Fall? Marketplace Lending Landscape U.S. Lenders European Lenders Marketplace Lending Investors Crowd Funding Raised $96 Billion Industry by 2025 Crowdfunding Bitcoin Crowdfunding: Corporate Mini Bonds Seed Enterprise Investment Scheme and EIS Pension Led Funds Tips for Crowd Funding Success! Summary Key Takeaways Chapter 8: Alpha in Social Data Alternative Assets and Social Information Numbers in Social Data Wall Street and Social Data How Social Information Influenced Wall Street Regulatory Reform Investors Already Unlocking Value of the Web Bridgewater and Ray Dalio Summary Key Takeaways Chapter 9: Retail Alternatives Phenomenon Retail Consumer Mom & Pop : an Investment Opportunity What are Retail Alternatives ? The State of the Market and the Recent Growth Trends Alternative Investment Choices Summary Key Takeaways Chapter 10: The Big Idea Fifth Mode of Transport #JumpStartFund Project Collaborators #Hyperloop Part of the Team Summary Key Takeaways About the Author About the Companion Website Index

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