Debt Investing, Be the Bank
This publication is for educational purposes. There is a better way to invest in debt and we are not here to analyze bonds. We will expose you to loan level and fund level opportunities for investors that manage their own money. Find out ways to limit your investments on Wall Street and put your money to work on Main Street.
Managing Your Own Funds
The information provided is meant as supplemental options to investments and wealth planning. Diversification should be a foundation of any investment approach but there are endless ways to get confused or scammed which leads us to our goal of providing valuable data and analysis to individuals managing their own funds.
Crowdfunding and the JOBS Act
Crowdfunding is a broad term and FinTech (Financial Technology) companies have exploded since the inception of the JOBS Act. FINRA outlines the requirements: Crowdfunding Guidelines
Default Risk
Default risk is the risk a lender takes that a borrower will not make the required payments on a debt obligation, such as a loan, a bond, or a credit card. Lenders and investors are exposed to default risk in virtually all forms of credit offerings. A higher level of default risk typically requires the borrower to pay a higher interest rate. Default Risk Definition
Compound Interest is the Eighth Wonder of the World
Albert Einstein: “Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn’t, pays it.”
Personal Loans
Learn to invest by placing as little as $25 into the funding of a personal loan and receive interest on your investment.
Private Mortgages
Find opportunities to fund private mortgages that are secured by underlying real estate.
Real Estate Funds
Real Estate Funds are far and wide throughout the world. Discover opportunities with established companies that specialize in Real Estate investing.
Accredited Investors
Financial Criteria
- Net worth over $1 million, excluding primary residence (individually or with spouse or partner)
- Income over $200,000 (individually) or $300,000 (with spouse or partner) in each of the prior two years, and reasonably expects the same for the current year
- There will investment opportunities that are only available to accredited investors. We will disclose this barrier when it is present. As you will see with the research provided this may limit options but there are still plenty of opportunities available.
Disclaimer
- Authors of articles are not Investment Advisors.
- Every investment contains risk.
- Experience of authors is broad and varied.
Put Your Money Where Your Mouth Is
- Authors will disclose if they invested with a platform.
- Returns with a platform will be shared when possible.
- Our network may have limited financial resources but knowledge is power.
Debt Folio Disclosure Policy
At DebtFolio when it comes to matters of investing we believe in transparency and accountability. We dedicate ourselves to delivering responsible investing ideas and sound financial education. That’s why, when it comes to talking about investment opportunities it’s important that you know exactly where we’re coming from and why the Put Your Money Where Your Mouth Is disclosure will be part of each article. We hope the company-wide disclosure policy helps guide you with our business and communications.
DebtFolio is a company that represents investors teaching and learning from other investors. Many financial publications do not permit their writers and editors to make investments that they are analyzing. DebtFolio is following the The Motley Fool model where it not only permits investments , but also encourages its staff to invest. Why? Two reasons.
First, we strongly believe that debt investment opportunities should represent a portion of any investors diversified approach. Therefore, we think it would be inappropriate for us to close that avenue of investment to our employees.
Second, we don’t consider our employees to be journalists, but rather communicators and teachers of financial matters. As a company, we are attempting to use every available medium to teach people of all ages, all income levels, all backgrounds, and all genetic codes about money and its applications in the modern investment world. Therefore, we believe our staff’s involvement in managing their own money is critical to their learning more about the subject and their succeeding in their own diversified investments. And who better to write about investing than those who do it themselves?
DebtFolio will always strive to operate with the highest level of integrity and transparency. As such, here are the key components of DebtFolio’s disclosure policy:
- When a writer writes about a platform that he or she has a position or beneficial interest in, that fact is disclosed at the end of the article.
DebtFolio is grateful to the people who have invested based on the educational information provided. We look forward to providing information on this subject matter for years to come.
Will Grausso
Editor-in-Chief
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