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  • Brian
  • July 22, 2019 10:11:26 PM
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A Little About Us

WhatToInvestIn.Today provides an in-depth discussion of alternative investment opportunities. Follow along as we take you off Wall St and explore real estate, startups, debt and equity investments.

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Robinhood – Free Stock/Option Trading

Robinhood Review - Commission Free Equity Trading Robinhood is a commission free stock and option trading platform. Like platforms such… The post Robinhood – Free Stock/Option Trading appeared first on What To Invest In Today.

Robinhood Review - Commission Free Equity Trading

Robinhood is a commission free stock and option trading platform. Like platforms such as TD Amertirade, Fidelity and others, Robinhood allows investors to buy and sell stocks, options, ETFs and cryptocurrencies. Unlike those other platforms, Robinhood's stock, option and other trades are commission free. That's a significant saving for active traders. See the chart below for their current pricing.

Account Creation & Funding

The process for creating a Robinhood stock trading account is inline with similar platforms. To start, visit their website (robinhood.com) and input the required information - name, address, social security number, date of birth, and so on. They also require an initial deposit to open your account. We opened ours with $100.

The account creation and approval process is very fast. We received an email with our approval immediately after submitting our information. A nice bonus, our deposit was available as well. While some platforms require a waiting period to use your funds, Robinhood allows instant deposits up to $1000. That means immediate access to your money to buy stocks, options, ETFs or cryptocurrency.

For those looking to trade options, use can get access to Robinhood's option trading by applying after creating your account. It's a 5 minute process with 5-6 questions. If you're interested in trading on margin, Robinhood provides a Gold level account. There's a monthly fee of $5 and a 5% APR on any margin levels above $1000. We'll be converting our account to Gold soon. We'll provide updates as we go through that process.

Account Features

Robinhood's stock trading dashboard is very basic (see screenshot below). It's understandable given that it's a new company and their primary service is free. With that said, we'll embarrassingly admit that it took us a while to figure out how to buy or sell a stock. We eventually clicked on the search function at the top of the page and wahla!

To test the rest of the features we decided to buy a stock. We used Robinhood's Top 100 feature to see the most popular stocks, which we assume is among Robinhood stock and option traders. We bought 12 shares of Aurora Cannabis (the top of the list) in the after-market. The process was incredibly easy. We've added a screenshot of the completed transaction below.

Potential Pitfalls

Robinhood is a brokerage that places trades for its users. There is almost no risk associated with using their platform. The biggest risk is execution time and price availability.

Robinhood makes money in 3 ways:

  • Robinhood Gold, its margin trading service, which starts at $5 a month
  • Interest from customer cash and stocks, much like a bank collects interest on cash deposits
  • Rebates from market makers and trading venues

The last bullet is the most interesting. We're not saying Robinhood does this, but they may have an incentive to route your trade to the market maker that provides the highest rebate. That may not necessarily be the best price or the fastest trade. If you're concerned about a couple of seconds or a few pennies, you're a more advanced trader than most Robinhood users. For the rest of us, the platform is sufficient to trade stocks and options.

VSOP

Robinhood's stock and option trading platform provides the bare minimums needed to trade. For those that have used larger, more sophisticated platforms, Robinhood may be a refreshing experience.

In our very simple opinion, Robinhood is not as intuitive as we'd like, but it certainly provides a level of trading simplicity at a price that is attractive. It's perfect for everyone from beginners to advanced investors. Those that are looking for more research, information and charts, Robinhood is probably not for you. However, you can always use an account on the larger platform to conduct your research and then trade on Robinhood. It depends on how motivated you are to save on commissions.

As with all of our posts, this is not intended to provide any financial advice or solicit investments. This is only our opinion of the platform, services provided and potential risks we see. For more information please see our services page.

Author Info

Brian Carruth

Managing your investments is never easy. It's difficult to navigate the options and ensure you’ve invested your money in the best possible places. What to Invest in Today (WIT), is intended to provide clear, straightforward explanations of the platforms I explore. I started investing in stocks after graduating college in the early 2000s. From there, I progressed into bonds, options and, eventually, alternative investments. Along the way, I earned a master’s degree in Economics from Johns Hopkins University and an MBA from UVA's Darden School of Business. This blog is a way to share my experience researching new investments and tracking performance of past investments. Join me and, of course, share your experiences as well. Feel free to connect with me on LinkedIn - www.linkedin.com/in/bcarruth

Update 6/18/2019

We recently approved for an upgrade to options trading on the Robinhood stock and option trading platform. To upgrade your account, click on the link to request the ability to trade options. The platform will walk you through a series of questions to determine your knowledge level and risk tolerance. Your answers will determine if you are upgraded or not. So, if you have a low risk tolerance and/or you don't what you're doing, Robinhood will not approve your upgrade.

If you're sure option trading is for you, then get your upgrade and get started! Simply search for the stock and click "Trade Options" to open the trading window. See screenshot below.

Robinhood options

As you can see, the trading window provides options for buying or selling calls or puts. The expiration date is selected from the drop down. In this screenshot, we've created a call spread by buying the $8 strike and selling the $9 strike for the same expiration. We were able to create call spreads, put spreads, calendar spreads, iron condors and more using the platform. It's easy to use and, of course, free to trade. Enjoy!

The post Robinhood – Free Stock/Option Trading appeared first on What To Invest In Today.


Roofstock – Invest in Turnkey Rental Property

Investing in Turnkey Rental Property with Roofstock Roofstock is an online marketplace built to facilitate buying or selling of turnkey… The post Roofstock – Invest in Turnkey Rental Property appeared first on What To Invest In Today.

Investing in Turnkey Rental Property with Roofstock

Roofstock is an online marketplace built to facilitate buying or selling of turnkey rentals. For those investors looking to diversify, the website has a section dedicated to portfolios of single-family or multifamily properties.

The platform is robust with numerous features to facilitate the buying and selling of properties. From new property alerts to cash-flow calculations, their website provides a wide range of support for buyers and sellers. The processes to list and purchase properties are complex, but that's not surprising given that you are processing real estate transactions.

Account Creation & Funding

Roofstock's account creation is very straight forward. That makes sense because they are focused on the transaction itself. They use a thorough vetting process to review and approve individuals listing and purchasing properties.

To start, visit their website (roofstock.com) and create your account. If you're a seller, you'll be able to start the process to list a property for sale. If you're a buyer, you'll be able to explore available turnkey rentals, property portfolios or shares of properties.

There is no requirement to fund your account. Since Roofstock is a marketplace, they do not actually handle the funds. It's up to you to transfer the required funds to complete the transaction. They do have lending partners, which may be more likely to understand the investment and supportive of your goals.

For those seeking straightforward investments, Roofstock offers the opportunity to invest in shares of a property. With a minimum investment of $5,000, these shares are a larger commitment than we've experienced on other platforms. Additionally, the partial shares are open to accredited investors only (for more information on accredited investors see their page join.roofstock.com/buy-shares). So, while not an option for everyone, they are worth exploring if you're interested in diversifying across multiple properties.

Discussions with Roofstock

We completed a call with a Roofstock rep on 6/20. See updates below for details.

Potential Pitfalls

Rental properties are great income generating investments, but they carry a lot of risks including tenant risk, vacancy risk, depreciation risk, property damage and legal risks.

Vacancy and low-quality tenants pose a significant risk. Investors lose money every day a property is vacant or filled by a tenant that fails to pay rent. The investor continues to pay the mortgage principal, interest and escrow regardless of the lack of income. Additionally, the property management company will charge a hefty fee for finding or replacing a tenant. This could be as high as 50% of the first month's rent. In cases of eviction, you'll incur legal fees to remove the occupants, and you'll likely have additional costs for repairs the property and finding new tenants. As you can see, vacancy or low-quality tenants pose a huge risk to investors. Purchasing turnkey rentals with tenants in place has the potential to mitigate this risk.

Property damage is another potential pitfall. Investors usually insure their properties with a fire insurance policy, which covers catastrophic losses and lost income during reconstruction. However, it does not cover all potential losses - including tenant damages. Plus, you'll pay the deductible for any covered losses. While unlikely, property damages present a noteworthy risk to your investment income.

Property depreciation is a very real possibility. During the mid-2000s, real estate depreciated dramatically. That period was the excpetiona nd not the norm. Most investors assume a 1-3% appreciation rate, but an increase in property value sis never guaranteed. If you're forced to sell in a down market, you will likely take losses on the value of your property.

Finally, your property is subject to legal risks. If your property is in an area controlled by an HOA, you may find yourself in a dispute with the association due to changes made by your tenant. It's important to consult an attorney to ensure the lease addresses the process for any external changes including landscaping, mailboxes, etc.

VSOP

Under the right circumstances, rental properties are great passive investments capable of providing a steady stream of monthly income. If properly leveraged (you borrow money to purchase), the returns on your investment can be substantial. Roofstock is a good resource for investors to find turnkey rentals, vet properties, deal directly with the seller and reduce the costs of acquiring the property.

In our very simple opinion, an investor considering purchasing a rental property will benefit from using Roofstock's platform to learn about markets, view nationwide opportunities and identify high potential properties that meet their investing goals. Even if you do not purchase a property through the platform, you'll benefit from the features available and you'll make a more informed decision.

As with all of our posts, this is not intended to provide any financial advice or solicit investments. This is only our opinion of the platform, services provided and potential risks we see. For more information please see our services page.

Author Info

Brian Carruth

Managing your investments is never easy. It's difficult to navigate the options and ensure you’ve invested your money in the best possible places. What to Invest in Today (WIT), is intended to provide clear, straightforward explanations of the platforms I explore. I started investing in stocks after graduating college in the early 2000s. From there, I progressed into bonds, options and, eventually, alternative investments. Along the way, I earned a master’s degree in Economics from Johns Hopkins University and an MBA from UVA's Darden School of Business. This blog is a way to share my experience researching new investments and tracking performance of past investments. Join me and, of course, share your experiences as well. Feel free to connect with me on LinkedIn - www.linkedin.com/in/bcarruth

Update 6/17/19

This weekend we received our market valuation for a property we are listing for sale through roofstock. Screenshot below.

Roofstock value report

As you can see, the report is pretty basic. The property value is in line with other estimates we've received. However, the rental value is considerable higher than we've seen before. Unfortunately, they use the same property twice for the valuation. Their algorithm wasn't able to identify the duplication and we cannot be sure how much that skewed the valuation.

Update 6/20/19

Just ended our call with the representative from Roofstock. It was about a 10 minute call to discuss the company and review the property we were considering listing.

Highlights
  • Valuation is based on the cap rate or expected rate of return. They do not work with properties that have less than a 4% cap rate. Unfortunately, our rental's cap rate is just over 3%. So, to boost the cap rate we must lower the listing price or increase the rent.
  • If we choose to pursue either option and list with Roofstock, there is an agreement that we have to enter into with the company to allow them to act as our agent.
    • The contract stipulates that they will be the only agent we use - pretty standard.
    • Specifies the time-frame they will act as agent. Looks like 45 days followed by 6 one-month renewals.
    • Provides for an $800 fee if we list the property above Roofstock's estimated value.
    • Provides for a $300 fee if Roofstock transfers the property to a local agent (if we pay the $800 fee this $300 fee is waived.)
    • Covers standard Agent/Owner contract verbiage.

Although we decided not to list through Roofstock, the concept is interesting. For buyers, it provides an opportunity to buy income generating properties. For sellers, it could be a quick way to flip houses without a huge investment and risk on the open market. Buy, fix-up, rent and sell. If you use Roofstock, let us know. We'd love to hear/share your story.

The post Roofstock – Invest in Turnkey Rental Property appeared first on What To Invest In Today.


Fundrise – Portfolios of Commercial Properties

Private Real Estate Investing by Fundrise Fundrise is a private real estate investing platform that actively manages several private Real… The post Fundrise – Portfolios of Commercial Properties appeared first on What To Invest In Today.

Private Real Estate Investing by Fundrise

Fundrise is a private real estate investing platform that actively manages several private Real Estate Invest Trusts (REITs) and Funds comprised of a mix of real estate and debt. Fundrise distributes your investment across multiple REITs and funds depending on your investment goals. It's a simple concept that provides access to the private real estate market equity, debt and income generated through commercial properties.

Account Creation & Funding

Fundrise's account creation process is pretty seamless. Simply click the "Get Started" button on their website (fundrise.com) and follow the step-by-step instructions. You must provide the standard information - name, address, contact info, social security numbers, etc. As part of the process, you must select a portfolio level (more below) and fund your account. Like many of the other platforms we review, Fundrise uses Plaid (plaid.com) to transfer funds from your bank account to Fundrise.

Plans & Fees

Fundrise offers 2 levels of investing - Starter and Core. Below are quick overviews of each level.

Starter Portfolio

The Starter Portfolio, with a $500 minimum investment, provides a low-investment entry point for investors exploring private real estate. This portfolio allocates your investment evenly across 4 REITs with both  growth and income strategies. Dividends are paid during the month following each quarter's close and periodic distributions are made when a REIT property is sold. Note: This portfolio carries a 1% annual fee. 

Core Plans

Investors can step-up to the Core Plans for free by investing $1000 or more. The Core plans provide 3 portfolios - Supplemental Income, Balanced Investing and Long-Term Growth. Investments are weighted based on the goal of the plan. For example, the Supplemental Income Plan is skewed heavily toward debt holding that will provide investors with a consistent income stream. The Balanced Investing and Long-Term Growth plans are weighted based on their investing goals. Note: These plans carry a 1% annual fee. 

Fundrise Supplemental Income
Fundrise Income Portfolio
Fundrise Balanced Overview
Fundrise Balanced Portfolio
Fundrise Growth Overview
Fundrise Growth Portfolio

Potential Pitfalls

Fundrise emphasizes that they provide long-term investments in private real estate. As we saw in the mid-2000s, real estate is susceptible to significant losses. That is especially true for commercial real estate. Therefore, investors must be aware of the risks and take a very long view of their investment.

Fundrise provides some transparency by listing the active property holdings of each portfolio. You can easily see Fundrise's ratings and projected returns for each property, which allows you to conduct some due diligence before investing.

It is important to note that your investment is not liquid. Large properties are difficult to sell. Because of the long holding period, there is no guarantee you will be able to access funds if needed. You should only invest if you do not need the funds for at least 5 years. You may be able to withdraw funds earlier, but there is no guarantee. If funds are available, Fundrise requires a 60-day waiting period after you make the request.

Also, investors should consider the tax implications prior to investing. You will receive a 1099 and K-1 for each REIT and Fund in your plan. That can complicate your tax returns. We strongly suggest you consult with a tax expert prior to completing any significant investments.

VSOP

There's not many investments more exciting than real estate. You can see and touch it. It's working for you around the clock. You can look at a tall apartment building and relish in the fact that you own a piece of it - albeit a small piece.

In our very simple opinion, real estate is complex, but also a potentially lucrative investment. REITs have been available in the stock market for years, and those provide greater liquidity. But, they are subject to more volatility as investors buy and sell the shares in the open market. Fundrise provides access to a private market, dampens some of the volatility and diversifies your investment. It is certainly worth considering as part of your alternative investment portfolio.

As with all of our posts, this is not intended to provide any financial advice or solicit investments. This is only our opinion of the platform, services provided and potential risks we see. For more information please see our services page.

Author Info

Brian Carruth

Managing your investments is never easy. It's difficult to navigate the options and ensure you’ve invested your money in the best possible places. What to Invest in Today (WIT), is intended to provide clear, straightforward explanations of the platforms I explore. I started investing in stocks after graduating college in the early 2000s. From there, I progressed into bonds, options and, eventually, alternative investments. Along the way, I earned a master’s degree in Economics from Johns Hopkins University and an MBA from UVA's Darden School of Business. This blog is a way to share my experience researching new investments and tracking performance of past investments. Join me and, of course, share your experiences as well. Feel free to connect with me on LinkedIn - www.linkedin.com/in/bcarruth


Update 6/14/19

Exciting news today! The creation of our Starter Level account has been completed. We are now proud owners of $500 worth of Fundrise eREITS.

Fundrise starter account

Interesting to note, when the account was created, Fundrise debited our account for $125 four times. This corresponds with the $500 equally distributed between 4 eREITs. We assume that is for accounting purposes since we are purchasing shares of each eREIT. So, if you invest through them, be prepared to see several debits from your account.

We'll update this post periodically to let you know how the investment is panning out. Keep checking back, and feel free to use the comments to ask any questions.


Update 7/19/19

Our first quarterly dividend earnings are in! We've received $1.02 from Q2 earnings. Fundrise automatically reinvested the dividend in our portfolio.

Fundrise Dividend Report

The post Fundrise – Portfolios of Commercial Properties appeared first on What To Invest In Today.


LendingClub – Investing in Peer to Peer Lending

Peer-to-Peer Loans by LendingClub LendingClub is a peer to peer lending platform built to allow private investors to fund personal… The post LendingClub – Investing in Peer to Peer Lending appeared first on What To Invest In Today.

Peer-to-Peer Loans by LendingClub

LendingClub is a peer to peer lending platform built to allow private investors to fund personal loans for individuals. LendingClub provides some background info on the borrower - credit score, limited personal information, loan use, etc - and the investor decides whether to fund the loan or not. For those seeking simplicity, LendingClub offers a diversification plan, which means they'll spread an investor's money to several individual loans in hopes of limiting the risk. The thought is that not everyone will default, so the investor is more likely to get some return on their investment. If you're looking for a more hands-on approach, you can pick and chose loans and amounts.

Account Creation & Funding

To start, investors create an account through LendingClub's website (lendingclub.com/). The process is simple. They ask for the standard info - name, email, address, social security number, etc. Once your account is created, you can transfer funds via Plaid (plaid.com). We've seen this on other sites, so it's pretty standard. The only catch here is that you must transfer at least $1000 to start investing.

Discussion with Customer Service

Full disclosure, we did not contact the customer service team at LendingClub. They contacted us. Once we created an account, the emails and phone calls started pouring in, so expect some pushy sales people once you create an account. Good news is that they go away quickly if you ignore them.

Other than the surprise calls and emails, we're impressed with LendingClub's platform. They have an interactive account that allows you to track the loans you've made and it even provides an estimate for bad debt. You can easily browse loans and commit capital to any that peak your interested.

LendingClub Account

Potential Pitfalls

Lets be clear, peer to peer lending involves unsecured loans to individuals that, for whatever reason, cannot or are not willing to seek funding through traditional means. We're not saying they will not repay the loan. We're only suggesting that you consider how they found their way to LendingClub's website? 1) They've exhausted all the traditional lending options and this is their only choice or 2) they're on the cutting edge of technology and love the idea of by-passing banks. We can respect that. 3) others reasons we haven't considered.

LendingClub's website states historical returns have been between 3-8%. That's covering a period of 2008-2017, so that doesn't tell you a whole lot. The platform also states that investors with 100 or more investments have positive returns. That's not exactly a warm and fuzzy about the quality of loans. There's obviously going to be some variation depending on how risky the loan is and how you balance your portfolio. If you're looking for quality loans returning around 5%, you should have plenty of options that are low risk. If you venture into the 20%+ loans, expect some losses and plan accordingly.

VSOP

If you're feeling altruistic or you're really looking hard for an investment that is not correlated with the stock market, then peer to peer lending may be an option for you.

In our very simple opinion, these are very complex investment vehicles. We would not use the automated system of investing because you're guaranteed to take losses. If we were going to invest in these loans, we'd highly recommend that you dive into each and every one of the loans you consider funding. The good news is that LendingClub provides historical data for you regression nerds out there.

Some of the data seems obvious. Low quality borrowers with limited ability to repay loans have received funding, and they did not successfully repay the loan. That's not too surprising. The point is to do your homework. If you feel like these loans are a good option, commit to researching the loan, borrower and how similar borrowers performed in the past.

As with all of our posts, this is not intended to provide any financial advice or solicit investments. This is only our opinion of the platform, services provided and potential risks we see. For more information please see our services page.

Author Info

Brian Carruth

Managing your investments is never easy. It's difficult to navigate the options and ensure you’ve invested your money in the best possible places. What to Invest in Today (WIT), is intended to provide clear, straightforward explanations of the platforms I explore. I started investing in stocks after graduating college in the early 2000s. From there, I progressed into bonds, options and, eventually, alternative investments. Along the way, I earned a master’s degree in Economics from Johns Hopkins University and an MBA from UVA's Darden School of Business. This blog is a way to share my experience researching new investments and tracking performance of past investments. Join me and, of course, share your experiences as well. Feel free to connect with me on LinkedIn - www.linkedin.com/in/bcarruth

The post LendingClub – Investing in Peer to Peer Lending appeared first on What To Invest In Today.


StreetShares – Invest in Veteran Business Bonds

Veteran Business Bonds by StreetShares Today we are exploring the alternative investment Veteran Business Bonds offered by StreetShares. Founded in… The post StreetShares – Invest in Veteran Business Bonds appeared first on What To Invest In...

Veteran Business Bonds by StreetShares

Today we are exploring the alternative investment Veteran Business Bonds offered by StreetShares. Founded in 2013, StreetShares was built upon the premise of offering business funding to small veteran owned businesses.

These businesses were often ignored by regional and national banks, which led many to seek funding from predatory lenders. By creating the Veteran Business Bonds, they helped these veterans and gave investors the opportunity to earn a steady 5% return. So, you can feel good about your investment and make a little more than your standard CD.

Account Creation & Funding

To start, we opened an account through the StreetShares website (https://streetshares.com). The process was fairly painless. They asked for standard info - name, address, social security number, etc. After we created our account, we were able to fund it. StreetShares uses Plaid (https://plaid.com) to transfer money from your bank to theirs. We've seen this on several other sites, so it would seem like it's been vetted pretty well.

We started with a transfer of $100 (the minimum investment is $25 and the maximum is $500,000). The transfer took 2 days to be withdrawn from our account and a couple more days for our StreetShares account to show the deposit. The good news - StreetShares used the date of our transfer request as our "Anniversary Date" (more on that below).  Our deposit earns interest daily and StreetShares posts that info on our account. It's kind of nice watching your money grow. Here's a screenshot of our account dashboard.

Discussion with Customer Service

StreetShares' customer service is very responsive. There is a chat window on their site, but they also respond to email.

We chatted with them about the process for determining your "Anniversary Date," which is used to determine when you can withdraw funds. Every deposit made is considered a new purchase. There is a 12 month wait from that date to withdraw your funds without penalty. So, if you wanted monthly income next year, you'd need to deposit every month of the current year.

We've asked some other questions. Updates are at the end of the article.

Potential Pitfalls

So, we love the veteran based theme. It gives you a warm and fuzzy. At the same time, veteran status does not guarantee a good investment. The businesses StreetShares backs sometimes default. The good news is that StreetShares is assuming that risk. You're receiving 5% as long as they can afford to pay you.

With that said, you will not know if your investment is in trouble before it's too late. The warning signs will be an inability to withdraw funds and no one answers your emails or calls.

VSOP

The Veteran Business Bonds are an interesting alternative investment. Unlike stocks and bonds, there's no price volatility. There's no price at all. It works more like a CD in that sense. You deposit your money and collect your 5%. Pretty easy.

It's also a little dull. Since setting up our account, we've logged in only a handful of times. You're not picking individual veterans to back, so there's no homework to do. You're betting StreetShares is doing that for you.

There are some risks here as well. Since StreetShares is private, they have limited regulatory oversight. There's no balance sheets or other financial statements to gauge the health of the company. However, they're well funded and growing. You just have to hope the well doesn't dry up in the next downturn. Especially, if the main street companies StreetShares likes to back are hit hard by the next recession.

So, in our very simple opinion, StreetShares is a good opportunity for those looking for a return higher than a CD without the brokerage commissions and price volatility of bonds.

As with all of our posts, this is not intended to provide any financial advice or solicit investments. This is only our opinion of the platform, services provided and potential risks we see. For more information please see our services page.

Author Info

Brian Carruth

Managing your investments is never easy. It's difficult to navigate the options and ensure you’ve invested your money in the best possible places. What to Invest in Today (WIT), is intended to provide clear, straightforward explanations of the platforms I explore. I started investing in stocks after graduating college in the early 2000s. From there, I progressed into bonds, options and, eventually, alternative investments. Along the way, I earned a master’s degree in Economics from Johns Hopkins University and an MBA from UVA's Darden School of Business. This blog is a way to share my experience researching new investments and tracking performance of past investments. Join me and, of course, share your experiences as well. Feel free to connect with me on LinkedIn - www.linkedin.com/in/bcarruth


Update - 6/6/19

We reached out to the team at StreetShares with a couple of questions. Important update below.

Can we withdraw without limits after we pass the "Anniversary Date?" 

Answer: Once you hit your anniversary date you have a 2 week window to withdraw funds from your account before the cycle resets. If you decide to leave the funds invested in the account they are required to remain in the account for an additional 3 years before you are able to initiate another withdrawal. You may withdraw funds from your account at any time but will incur a 1% fee on the amount you draw.

Is the 500,000 limit per member or household?

Answer: The $500,000 limit is per member.

The post StreetShares – Invest in Veteran Business Bonds appeared first on What To Invest In Today.


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