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Investing in Startups / Robbie Paul

Play Episode Listen Later Jan 3, 2021 53:33

What is a startup?It’s not a publicly traded company on the NZ or ASX– it may not be a proven business yet, it may not be profitable, and it may only be just getting started. A start up could be a seed, a sprout, or a seedling – an idea, some sort of product, perhaps even some revenue coming in. Founders or a fewer number of individuals will own the shares in startups – and because it’s not traded on a share market – this makes it a bit trickier to get your money out.Who should invest in startups?Anyone who’s constructing a diversified portfolio, or collection of investments) and who may wish to include alternative investments into the mix – Bitcoin, precious metals, fine art are alternative (non-mainstream) investments, and startups fit perfectly in the mixAs with most alternative investments, they may provide an opportunity for exceptional returns. So who should invest in startups? Anyone who can keep their eyes on the prize and not get rattled along the way – you need to okay with taking risk here.What are the risks/benefits?The startup could eventually go public, and you hopefully get more than you paid for the stake of ownership you have. Alternatively, the startup could get acquired by another firm or even a private equity firm. No matter which way, if you back the right seedling, your reward could be immense – imagine if you were offered Xero shares in 2006 before they went public?What about the risks? Well, you could lose everything, especially if you’re investing in only one or two companies. Perhaps the idea doesn’t have legs – perhaps the market changes or the founders of the startup have a falling out.Remember that your rate of return, which could be really high in this space, is your compensation for the level of risk that you’re takingWhat position should you be in before you consider investing in start ups?This is really important. When you’re younger, it’s more appropriate to take high levels of risk when investing, but that’s kind of hard considering most younger people have high debt levels, not a lot of cash reserves, potential income disruption by having children and all the rest – really, you want to be in a position I think where at the very least, you have no short term personal debt (like no credit card debt or hire purchase debt), a decent buffer of cash to get you through 3-6 months, and you own your own home. Some would say you’d want to be debt free on your own home also – but I wouldn't be that dogmatic here.You also shouldn’t be investing in startups if you think you’re going to need that money back in the short to medium term. If you think you can live perfectly fine without seeing that money for a very long time (or even ever), then that’s a good sign you have enough spare capital to allocate to this asset class. Startup investing is very illiquid - you cannot convert it back to cash easily and quickly.A note regarding the core/satellite investment approach: Some may choose to build their satellites (direct shares, alternative investments) first or others choose to build their core first (which is your mainstream stuff). Now what you choose to do is what you choose to do here – but your decision could be a function of: Your current position; Your perspective on taking risk with money, or even some market timing considerations. I know many would suggest you want to build a decent portfolio of mainstream investments first, but that doesn’t give the everyday investor enough of a runway in my opinion for a higher risk investment like startup investing to bear fruit.All things considered, and I'm still learning here also, I have two big problems with investing in startups:1- the barriers to entry are quite high. Often, but not always, you have to be an accredited/wholesale investor with experience or larger amounts of wealth already, to purchase shares – usually $50k is an amount you would need to simply to start with. 2 – You need even higher levels of funds to invest if you want to benefit from diversification, and you really need to be diversified in this space. Putting all your funds into a venture that’s promising to create a perpetual motion machine is a pretty big bet. Better to buy the nursery, and then nurture the trees that bear fruit.My guest today is Robbie Paul – he’s the CEO of Icehouse Ventures Also mentioned in this episode: Where to buy Bitcoin?Check out episode 94 here with Easy Crypto for a bit of background as to why I recommend them for any first time Crypto buyer to be. If you're ready to get into Bitcoin, make a start here by setting up an account with Easy Crypto._________________________________________________________________The NZ Everyday Investor is brought to you in partnership with Hatch. Hatch, let's you become a shareholder in the world's biggest companies and funds. We're talking about Apple and Zoom, Vanguard and Blackrock.So, if you're listening in right now and have thought about investing in the US share markets, well, Hatch has given us a special offer just for you... they'll give you a $20 NZD top-up when you make an initial deposit into your Hatch account of $100NZD or more. Just go to https://hatch.as/NZEverydayInvestor to grab your top up. __________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Tell your friends!2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter hereNZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage an authorised financial adviser to provide guidance around your specific goals and objectives._____________________________________________________________________________

ceo putting apple write startup zoom alternatively founders crypto bitcoin xero hatch venture capital vanguard nz blackrock asx angel investing nzd seed investing mix as

RYDHM DEE - DRACARYS | APRIL 2020 ||GUEST - UPLOAD||

Kalinga Son

Play Episode Listen Later Apr 25, 2020 123:44

||GUEST - UPLOAD|| Featuring - [ RYDHM DEE's Latest mix - Dracarys ] With all that's happening around the world, one shouldn’t forget music is the best cure for our minds. If the mind stays POSITIVE, we’ll do the right things.. STAY HOME & STAY SAFE!!! On the Mix - As the name suggests; this is gonna be a hell of a ride if you stay till the end! No long intros, build-ups etc.. Straight to the BASE

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Investing in Startups / Robbie Paul

RYDHM DEE - DRACARYS | APRIL 2020 ||GUEST - UPLOAD||

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