- Which offerings am I legally allowed to invest in?
- What’s an accredited investor?
- How much am I allowed to invest?
- Can I invest if I don't live in the United States?
- Can I invest via an entity?
- Can I add a spouse or beneficiary to my investment?
It depends on whether you’re an accredited or non-accredited investor. If you’re accredited, you can participate in all security offers. If you are non-accredited, you can invest in Reg A+ and Reg CF offers.
Accredited investors are wealthy people: typically, they make over $200,000 per year ($300,000 if joint with spouse) or have over $1 million in assets, minus their home.
To find out your investment limits, open an investor account.
It's complicated. Thankfully, when you sign up for a Wefunder account, we'll do all these calculations for you.
The amount you are legally allowed to invest depends on which Regulation the company uses to fundraise.
For Regulation Crowdfunding Offerings, Wefunder calculates your annual investment limit based on the net worth and income provided upon account opening. Investment limits are for every 12 month period. Every investment in a Regulation Crowdfunding offering counts towards the annual limit. We will not let you invest more than this amount. The SEC made it pretty complicated to calculate this number, but if you're curious:
Everyone can invest at least $2,200
If either your net worth or income is below $107k, you may legally invest a maximum of 5% of the lesser number.
If both your net worth or income is above $107k, you may legally invest a maximum of 10% of the lesser number.
No one may invest more than $107,000. Accredited investors are subject to the same investment limitations as everyone else, no matter how silly that is.
For Regulation A+ offerings, unaccredited investors can invest up to 10% of income or net worth per year, whichever is greater.
For Regulation D offerings, only accredited investors may invest, and they have no limits.
We have investors from all around the world! With one exception, we accept investments from international investors, as long as you represent that you are complying with the law in your country.
The one exception is the Province of Quebec, which requested that we bar their residents from investing.
Yes, you can invest via an entity.
We also support payments from Alto IRAs for rounds that are raising on on a Convertible Note or SAFE. See our blog post for more information.
After you click the green Invest button on the company's profile page, you'll get to your investment confirmation page. Under Personal Info, you can add an entity to link to your Wefunder account.
Unfortunately, we do not offer joint investments. Each contract must be between the individual investor and the founder of the company receiving the investment.