It’s almost 2021, and never have we been so ready to “turn over a new leaf” and rethink some things.
Vicinity Capital is helping local-loving Greenvillians rethink retirement savings and investing. Before you doze off though, “rethink” also means making this whole investing thing a lot more interesting.
With as little as $100, Greenvillians can ditch the dumpster fire of 2020 while potentially fanning the flames of growth in both our community + their bank accounts.
Investing differently doesn’t mean rolling your life savings into a single company. With Vicinity, you can start small and still diversify some investment dollars (see how smart you’ll sound?) across multiple local companies with different types of investments .
Instead of reacting to whatever next year brings, with local investing, you can get back in the driver’s seat, building a better Upstate, one microinvestment at a time.
The skinny on debt + equity :
- Cash Flow: A common type of investment on Vicinity Capital is a Revenue Sharing note. This focuses on sharing in the cash flow of the business through quarterly payments based on their revenue. This is a debt investment with a set payback amount. See examples here and here .
- Upside: Investments for equity (or future equity) generally focus more on the upside of an investment. Your potential return is based on a successful “exit” (like an acquisition or IPO).
Tips for analyzing risk when investing:
- Read the risks to learn what challenges your investment may face (with Reg CF, issuers are legally required to publish known risks on their campaign page).
- Identify your personal motivations for investing, and understand how those motivations align with the businesses you’re interested in investing in.
- Make calculated decisions – once you understand the risks, compare them to the possible reward + decide if it’s still worth it.
- Diversity your investments to help protect your portfolio if a deal goes bad, even when investing locally.
All investing carries risk, but Vicinity has a unique commitment to transparency and proximity. Check out Vicinity Capital’s available investment opportunities
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