The Reg A+ landscape is intriguing, with entrepreneurs clamoring to capitalize from its potential. But is it all promising figures? While the framework offers a groundbreaking pathway for capital procurement, there are obstacles that aspiring participants should be aware of.
- Firstly, the regulatory requirements can be demanding, demanding significant resources and experience.
- Moreover, the success of Reg A+ offerings have been mixed, with some companies achieving favorable outcomes while others struggle to mobilize sufficient investment.
- Thirdly, the investor base for Reg A+ offerings is still developing, meaning that there are limited opportunities open compared to traditional financing methods.
Navigating the Reg A+ terrain requires careful consideration and a thorough understanding of both its advantages and inherent risks. While it can be a effective mechanism for certain businesses, aspirational participants should approach strategically.
Funding the Crowd
In today's thriving online landscape, crowdfunding has emerged as a revolutionary tool to empower individuals and organizations in raising funds for their ventures. This trend allows anyone with an innovative idea to tap into the collective resources of the public, transforming access to capital. From small-scale campaigns to large-scale undertakings, crowdfunding has become a viable alternative to established funding sources.
- Harnessing the power of social networks and online platforms,
- connecting individuals with shared interests and goals,
- fostering a sense of community,
Crowdfunding for the masses has the potential to transform industries, finance innovative solutions, and empower social change. As technology continues to evolve and connectivity strengthens, we can expect crowdfunding to play an even more integral role in shaping the future of funding.
Leveraging Regulation A+ for Compelling Fundraising
Regulation A+, a relatively new avenue in the fundraising landscape, has emerged as a powerful tool for businesses seeking to attract capital. This mechanism allows companies to widely offer securities to a broad range of participants, without the complexities and costs associated with traditional Initial Public Offerings (IPOs).
A key strength of Regulation A+ is its ability to facilitate ample funding. Companies can raise up to \$25 million in a single offering, providing them with the resources necessary to expand their operations, launch new products or services, and realize their financial goals.
However, conducting a successful Regulation A+ fundraising campaign requires careful planning. Companies must comply with stringent regulatory standards, create compelling investor presentations, and effectively connect with potential investors.
Investing portals Offering Title IV, Reg A+ Equity
Navigating the world of securities funding can be tricky, especially when it comes to understanding the nuances of Regulation A+ and Title IV. These regulations enable businesses a unique avenue to secure equity funding from a wider pool of investors, typically through crowdfunding platforms. While many platforms exist, identifying those specifically specializing in Reg A+ and Title IV offerings can be time-consuming.
- Some leading crowdfunding sites that have integrated Reg A+ and Title IV equity opportunities include: Wefunder, SeedInvest, and StartEngine. Each platform offers its own distinctive set of tools and services to help businesses navigate their equity campaigns successfully.
- It's important to thoroughly research each platform, comparing factors such as fees, investor network, and the overall support they extend to both businesses and investors.
Remember that investing in securities always carries associated risks, so it's highly recommended to conduct your own due diligence before making any investment decisions.
What Regulation A+ Works with Equity Crowdfunding
Regulation A+, a rule within U.S. securities law, allows companies to raise capital through a process known as equity crowdfunding. This technique offers businesses the opportunity to tap into a wider pool of investors compared to traditional funding sources.
Under Regulation A+, companies can offer and sell their securities to the public, with certain boundaries. The offering amount is typically capped at $75 million within a year, and companies must comply with various disclosure and reporting obligations set forth by the Securities and Exchange Commission (SEC).
Equity crowdfunding platforms act as intermediaries, connecting companies seeking capital with individual investors. These platforms provide a platform for companies to showcase their business plans and investment opportunities to a broader audience. Investors, in turn, can explore different investment options and commit funds to companies that align with their interests and risk tolerance.
The combination of Regulation A+ and equity crowdfunding creates a evolving ecosystem for capital formation. It empowers businesses to access funding from diverse sources, while providing investors with the potential to participate in the growth of promising ventures.
Athena Fund Regulation A+ Deal
The emerging landscape of Regulation A+ offering exciting ventures for investors. One such development is the debut of FundAthena Blank-check, a special purpose acquisition company (SPAC) seeking to raise capital through a Regulation A+ process. This approach facilitates smaller investors to participate in the growth and potential of businesses by pooling their resources through a public offering.
FundAthena Blank-check's goals remain undisclosed at this point, but the organization is expected to target a specific industry. Participants will have the opportunity to influence the trajectory of FundAthena Blank-check through their involvement in the campaign.
Colonial Stock Securities
Colonial stock securities symbolize a fascinating chapter in the annals of finance. These documents, often worn, bear witness to the {economic{ aspirations and ambitions of the colonial era. Investors sought returns on its holdings in new enterprises, establishing the foundation for future advancement. The study of colonial stock securities offers a unique perspective into the complexities of early American commerce and finance.
- Some influential examples include:
- Shares in initial companies like the Hudson's Bay Company
- Bonds issued by colonies to fund military operations
We Discovered An Unit
Deep within the encrypted/complex/hidden files of the program/our system/that application, we stumbled upon something incredible. A perfectly functional/partially operational/barely working registration module/toolset/component. This discovery could revolutionize how we track users/access control/data management. We're still analyzing/investigating/examining its full potential, but the early signs are promising.
- Keep your eyes peeled
- For more updates
Unveiling Title IV Reg A+
Are yourselves eager to unleash the possibilities of {equity crowdfunding?{ Title IV Reg A+, a revolutionary financing method, allows businesses to raise capital from the masses. This visual guide will shed light on the key features of Title IV Reg A+, assisting you to comprehend this remarkable new world of capital allocation.
- Understand about the guidelines governing Reg A+ investments.
- Delve into the benefits for both companies and investors.
- Visualize the steps involved in a successful Reg A+ campaign.
Simply miss this valuable resource to equip your understanding of Title IV Reg A+.
Regulation A+ Offering Documents LLC
Securex Filings LLC is a/serves as/provides a comprehensive platform/solution/service for companies seeking to raise capital through Regulation A+. Our team of experienced/skilled/dedicated professionals guides/supports/assists businesses through/during/in the entire process, from initial filing/submission/application to successful/smooth/efficient completion. With our expertise in securities law and regulatory requirements, we help companies comply with/meet/fulfill all necessary standards/guidelines/regulations. Securex Filings LLC is committed/dedicated/passionate to providing a transparent/clear/accessible experience for our clients, ensuring they have the knowledge/understanding/insight needed to navigate the complexities of Regulation A+ offerings.
A Fundrise Reg A Offering
Fundrise has launched an impressive Reg A offering to secure capital for their real estate projects. This initiative allows ordinary investors to gain access to Fundrise's diversified portfolio of properties, typically exclusive to accredited investors. The offering provides a range of investment strategies, catering to multiple risk tolerances and investment goals.
- Individuals may select from
- several real estate niches
- and target specific geographic regions
This Reg A offering from Fundrise signifies a valuable opportunity for investors looking for the real estate market, without the conventional hurdles.
The SEC
The Securities and Exchange Commission is/serves as/functions as the primary regulatory/governing/overseeing body for the United States securities/stock/financial markets. Established/Founded/Created in 1934/the early 20th century/the midst of the Great Depression, its mission/purpose/goal is to/remains to/aims to protect investors, maintain/ensure/guarantee fair and orderly/transparent/honest markets, and promote/encourage/foster capital formation. The SEC achieves/completes/undertakes this mission/objective/task through a variety of means/methods/tools, including registration/enforcement/regulation of securities offerings, conducting/overseeing/monitoring market activity, and issuing/publishing/releasing guidance/rules/directives to participants/players/stakeholders in the financial/securities/capital markets.
Evaluating the Waters | CrowdExpert Title IV Reg A+ Equity Crowdfunding
The innovative realm of equity crowdfunding is experiencing a significant surge in activity, with platforms like CrowdExpert forging new paths for enterprises to secure capital. Under Title IV of the JOBS Act, Reg A+ extends a unique opportunity for companies to generate funds from the public in a regulated manner. CrowdExpert, a prominent platform in this space, is currently performing a "Testing the Waters" campaign for its Reg A+ offering. This strategic initiative allows companies to gauge investor demand before launching a full-scale funding round.
- Benefits of CrowdExpert's Title IV Reg A+ Equity Crowdfunding
- Expand your funding base
- Clear and understandable framework
StreetShares
StreetShares is a/are/provides revolutionary online platform designed to connect small businesses with investors. It empowers entrepreneurs by offering accessible/affordable/flexible funding options, fostering growth and innovation within the community/marketplace/economy. StreetShares leverages/utilizes/employs technology to streamline the lending process, making it quicker/faster/efficient and transparent/clear/open for both borrowers and lenders. Through its robust/comprehensive/extensive network, StreetShares facilitates/enables/supports the flow of capital to deserving businesses, contributing/playing a role/making an impact on the overall success of small enterprises.
Equity CrowdFund Reg A+ Offerings Regulation A+
Regulation A+, commonly known a tier of fundraising regulated through the U.S. Securities and Exchange Commission (SEC), enables companies a pathway to raise capital from individual investors. This method is gaining increasing popularity among startups and established businesses across various industries. EquityNet, a leading marketplace, facilitates Reg A+ offerings by bridging the gap between companies with interested parties. Through their comprehensive platform, EquityNet strives to democratize access to capital for a larger pool of investors.
Regulation A+ Offerings on Investopedia
Investopedia delivers comprehensive guidance on a range of financial topics, such as the intricacies of Regulation A+ offerings. This governmental framework enables companies to secure capital from the public through equity. Investopedia's site delves into the nuances of Regulation A+, explaining the rules governing these special offerings. Investors may benefit from Investopedia's comprehensive analysis to formulate well-considered decisions regarding Regulation A+ investments.
Understanding the financial framework surrounding Regulation A+ offerings is essential for both issuers seeking capital and individuals considering participation in these investment opportunities.
Navigating Regulation in crowdfunding A+ Space
The realm of crowdfunding, particularly platforms like A+, is experiencing a period of dynamic growth and evolution. As this sector expands, regulatory frameworks are crucial for ensuring investor protection, market integrity, and the continued success of both entrepreneurs seeking funding and individuals looking to support innovative ventures. Regulators worldwide are actively crafting new rules and regulations specifically tailored to address the unique challenges and opportunities presented by A+ crowdfunding. These regulatory measures aim to strike a balance between fostering innovation and mitigating potential risks.
- Central aspects of regulation in this space often include issues such as transparency, investor due diligence, platform accountability, and the processing of funds.
- Initiatives to regulate A+ crowdfunding are inspired by a desire to build a robust and trustworthy ecosystem where investors can participate with confidence.
By establishing clear regulatory boundaries, jurisdictions aim to promote responsible growth in the crowdfunding sector while safeguarding the interests of all participants.
Overseeing Offering Requirements
In the realm of capital markets, offering stipulations are robust to copyright investor security. These mandates often necessitate a detailed statement of the offering's terms, including risks , financial projections, and the entity's background . Fulfillment to these requirements is essential for maintaining market transparency .
Supervision A+ in Investopedia
Investopedia provides comprehensive and insightful guides on the intricate world of market regulation. A+ Regulation investigates the challenges of regulatory frameworks, presenting valuable knowledge for individuals seeking to comprehend the legal landscape.
- Central concepts such as adherence and enforcement are thoroughly explained, empowering users to conduct wise decisions in a evolving regulatory sphere.
- Case studies of actual regulatory instances highlight the impact of regulation on businesses.
Moreover, Investopedia's A+ Regulation resource provides access to a wealth of tools such as reports and insights. This extensive resource empowers users with the expertise needed to navigate in a complex market landscape.
Regulating A+ Companies
The realm of business is constantly transforming, with innovative companies pushing the limits. A+ companies, known for their exceptional performance and responsible practices, require a framework of oversight that both supports innovation while ensuring the interests of all stakeholders. This multifaceted task involves a nuanced balance between stimulating growth and mitigating potential risks.
- Robust regulations are essential to maintain a level playing field for all companies, discouraging any unfair practices.
- Openness in the operations of A+ companies is crucial to cultivate public trust. This includes accessible communication about their practices and performance metrics.
- Cooperation between authorities, industry leaders, and consumer groups is vital to formulate effective policy frameworks that adjust to the changing landscape of business.
Governance A+ Summary
Regulation is crucial/essential/vital for maintaining order/stability/equilibrium within markets/industries/sectors. It helps to ensure/promote/facilitate fair competition, protect consumers, and safeguard the environment. A+ regulation strikes a delicate/optimal/harmonious balance between promoting/fostering/encouraging economic growth and mitigating/addressing/reducing potential risks. Effective regulation empowers/strengthens/bolsters transparency/accountability/trust while minimizing/reducing/eliminating bureaucratic burden/obstacles/hindrances.
- Key aspects/Fundamental principles/Core elements of A+ regulation include: proactive/adaptive/responsive framework/structure/system, evidence-based/data-driven/informed decision-making, and collaboration/engagement/partnership with stakeholders/industry players/relevant parties.
- Benefits/Advantages/Positive outcomes of well-designed regulation can include: increased innovation/investment/productivity, enhanced consumer protection/market integrity/public confidence, and a more sustainable/resilient/robust economy.
Governing Real Estate In Today's Market
Real estate governance is a complex landscape that seeks to harmonize the interests of buyers and the society. It covers a wide range of concerns, including property rights, disclosure requirements, and green building practices.
Sound regulation is crucial to promote a equitable real estate market that supports all stakeholders.
It helps to mitigate fraud, protect consumer rights, and foster sustainable development practices. Ultimately, regulation seeks to establish a market that is successful.
Our Initial Public Offering First JOBS Act Company Goes Public Via Reg A+ on OTCQX
After a period of dedicated work and teamwork, my initial company is finally taking the next step via Reg A+ on OTCQX. This signifies a major achievement in our journey as a startup built under the provisions of the JOBS Act.
The journey has been thrilling, and we are now excited to offer this chance with investors. We believe that our innovative service has the potential to revolutionize the market, and we are assured that this public listing will boost our growth and expansion.
We are grateful to our supporters for their unwavering belief in us, and we look forward to building a thriving future together.
Fundera enable Reg A+ raises on the platform
FundersClub, a leading startup funding platform, has announced that it is now enabling Regulation A+ raises for companies seeking to raise capital from the public. This move allows startups to tap into a wider pool of investors and potentially accelerate their growth. Reg A+ offers companies the opportunity to raise up to $75 million from both accredited and non-accredited investors, offering greater access to capital than traditional funding methods.
Previously, companies utilizing FundersClub had to adhere to Regulation CF, which restricts fundraising amounts at $5 million. The addition of Reg A+ raises broadens the platform's capabilities and provides a more flexible funding solution for businesses at various stages of growth.
- Benefits of Reg A+ for companies on FundersClub include:
- Increased capital access
- Broader investor base
- Simplified compliance
Securities A+ Regulation A+ Crowdfunding Platforms
Regulation A+, also known as Reg A+ , is a provision in the United States that allows companies to obtain capital from the public through crowdfunding. It offers a streamlined process for companies to utilize funding, making it an appealing option for startups and smaller businesses. Crowdfunding platforms dedicated on Regulation A+ offerings provide contributors with the opportunity to participate in promising companies while conceivably earning a profit on their investment .
Regulation A+ offers advantages for both businesses and participants . Companies can access significant amounts of capital, expand , and initiate new projects. Investors can discover early-stage companies with growth potential , contributing to their development .
Regulation A Plus IPOs
Regulation A+, also known as a Regulation A+ offering , is a financing mechanism that allows private companies to raise funds from the public. Unlike traditional IPOs, Regulation A+ provides a more efficient path to accessing capital markets by minimizing regulatory burdens and complexities . This makes it a attractive option for smaller enterprises seeking to grow their operations.
Regulation A+ offerings are designed to allow both qualified and non-accredited investors to participate . Companies leveraging Regulation A+ must adhere to certain disclosure requirements, but the process is generally considered as less demanding than a traditional IPO.
The U.S. Securities and Exchange Commission (SEC) regulates Regulation A+ offerings to protect investors and foster market integrity.
Companies that select Regulation A+ may receive a broader pool of funding sources, which can facilitate their growth and development .
Regulation A+ Requirements
Securities offerings under Regulation A+, also known as Level 2 crowdfunding, are subject to specific regulations outlined by the Securities and Exchange Commission (SEC). These regulations aim to provide a more accessible pathway for companies to raise investment while protecting investor safety . To conduct a successful Regulation A+ offering, companies must meet several key provisions , including filing a detailed disclosure document with the SEC and fulfilling due diligence steps.
A successful Regulation A+ offering can provide companies with a significant injection of capital , allowing them to expand operations . However, it is essential for companies to fully grasp the complexity of Regulation A+ and seek professional guidance throughout the process.
Presentation Share regulation a securities act of 1933 jobs act 106 reg a tier 2 offering
Under the Securities Act of 1934, SlideShare, as a platform for content sharing and presentation, must navigate the complexities of offering securities. Specifically, Jobs Act Section 106 of Regulation A Tier 2 provides a pathway for companies to raise capital through public offerings while leveraging platforms like SlideShare for promotion. It presents both opportunities and challenges, requiring careful consideration of regulatory compliance and investor protection .
Controlling Text
Text can be controlled in a variety of ways. This process frequently entails setting guidelines for the information that is allowed to be published. There are many justifications for regulating text, such as preserving children, preventing harmful content, and ensuring the accuracy of information. The approaches used to control text can be diverse. Some common examples encompass censorship, content moderation, and legal frameworks.
Governance A+ Introducing Rulemaking A+
Achieving a successful launch of Reg A+ requires detailed consideration. Entities must synchronize efforts to achieve adherence while also leveraging the opportunities presented by this new approach. Optimizing the mechanism is crucial for promoting a efficient transition to the upgraded regulatory system.
Regulation A vs Reg D
When raising capital, companies often face a choice between Regulation Magazine A and Reg D. Regulation A is designed for smaller offerings and allows companies to sell up to $10 Million in securities per year to the general public. In contrast, Regulation D provides a framework for private placements, allowing companies to raise capital from accredited investors without registering their securities with the SEC. Regulation A generally involves more stringent reporting requirements and is suitable for companies seeking broader market exposure, while Rule D offers greater flexibility and confidentiality, appealing to startups or businesses with a targeted investor base.
- Nevertheless
- Both
- Rules
Oversight a DPO By the FRB
The Federal Reserve Bank (FRB) plays a crucial role in shaping regulatory landscapes within the financial sector. When it comes to implementing standards for Data Protection Officers (DPOs), the FRB's approach focuses on ensuring rigorous protection of consumer data while facilitating innovation. The FRB's directives provide a framework for DPOs to adequately manage data protection, ultimately fostering trust within the financial ecosystem. This includes establishing clear roles and responsibilities for DPOs, as well as promoting best practices for data handling.
New Rules from the SEC New “Reg A+” Rules for Crowdfunding
In a landmark move to/for/towards streamline capital raising/acquisition/procurement, the Securities and Exchange Commission (SEC) has officially/finally/recently approved new rules governing/regulating/dictating crowdfunding through Reg A+. This development/initiative/measure is expected/projected/foreseen to revolutionize/transform/alter the way companies access/secure/obtain funding, particularly/especially/mainly smaller/emerging/startup businesses.
Reg A+ will now permit/allow/enable companies to raise significant/substantial/considerable amounts of capital directly from the public/general investor pool/mass market, potentially opening/unlocking/creating a new era of accessible/affordable/available funding opportunities/possibilities/avenues. The updated rules implement/introduce/establish greater/enhanced/improved transparency and investor protection, while/simultaneously/alongside making the process/procedure/system more/significantly/vastly efficient.
The Distinction Between Reg A and Reg D
When it comes to raising capital, companies frequently turn to securities issuance. Two prominent avenues in this realm are Regulation A+ .
Regulation A+ is a well-established mechanism designed for public offerings. It enables companies to raise up to $75 million in funding from the general marketplace. In contrast, Regulation D, often referred to as a "private placement" regulation, is designed for offerings made to a limited group of accredited investors.
Rule 506, a key provision within Rule 506, outlines specific requirements for private placements. Notably, there are two distinct flavors under Rule 506: 506(b) and 506(c).
Rule 506(b) permits offerings to an unlimited number of investors, but it mandates that all purchasers be qualified. Conversely, Rule 506(c), often referred to as a "general solicitation" regulation, allows for broader promotional activities while still requiring all investors to be verified.
Overview of Regulation D: Rules 506(b) and 506(c)
When seeking private capital, understanding the nuances of investment regulations is crucial. Regulation D offers exemptions from certain registration obligations for offerings of privately placed instruments. Two key provisions under Regulation D are Rule 506(b) and Rule 506(c), each with distinct characteristics that influence when companies can raise capital.
Rule 506(b) permits offerings to an unlimited number of accredited investors, but places a cap on the number of non-accredited investors at 35. It also requires full disclosure to all investors and relies mainly on the investor's due diligence.
Rule 506(c) offers greater flexibility by allowing offerings to a wider pool of accredited investors without any limit on their number. However, it mandatesstrict due diligence procedures and requires verification of investor accreditation.
- Significant distinctions between Rule 506(b) and Rule 506(c) involve the number of non-accredited investors, transparency requirements, and due diligence protocols.
- Choosing the appropriate Rule hinges on a company's funding needs, investor profile, and legal landscape.
Accessing DreamFunded Resources on Regulation A+
Regulation A+, a unique financing mechanism, empowers startups and established businesses to raise capital from the public. DreamFunded stands out as a prominent platform specializing in facilitating Regulation A+ offerings. Their comprehensive resources empower both potential investors and issuing companies to navigate this complex landscape with confidence. Contributors seeking alternative investment opportunities can delve into DreamFunded's educational materials, which provide in-depth clarification on the framework of Regulation A+.
- Firms looking to leverage Regulation A+ for growth will find invaluable guidance within DreamFunded's suite of tools and platforms. From developing compliant offerings to connecting with a network of potential supporters, DreamFunded streamlines the process, making it more achievable.
Understanding the nuances of Regulation A+ can be complex. DreamFunded's dedicated team of experts is committed to providing ongoing assistance throughout the journey. Whether you are a seasoned investor or just beginning your exploration of this innovative financing option, DreamFunded equips you with the knowledge and resources necessary for success.
OTC Markets Tripoint FINRA Small Business Job Creation Act Technocrat SEC approval SEC approval
Navigating the complexities of public markets can be a daunting task for startups seeking to raise capital and expand their operations. The JOBS Act has significantly altered the landscape, offering innovative pathways for businesses to access funding through various exempt offerings and registered securities transactions.
- OTC Markets, as an alternative trading platform, provides a viable avenue for companies seeking liquidity and visibility outside of traditional exchanges. Tripoint, a prominent investment firm with expertise in the financial services sector, has become increasingly involved in supporting growth-stage companies through its strategic investments and advisory services.
- The Financial Industry Regulatory Authority (FINRA) plays a crucial role in overseeing the securities markets, ensuring fair trading practices and investor protection. JOBS Act provisions have streamlined the registration process for certain offerings, making it more accessible for emerging businesses to raise capital.
Technocrat companies often leverage these opportunities to expand their reach and accelerate their growth trajectories. SEC approval is essential for ensuring compliance with federal securities laws and regulations, ultimately safeguarding investor confidence in the market.
Crowdfunding
When launching a new project, securing funding can be a major challenge. Thankfully, there are numerous options available to help seekers raise the capital they need. Three of the most popular include Indiegogo, each with its own unique structure.
GoFundMe, known for its simplicity, is a great option for specific causes. Kickstarter, on the other hand, specializes on creative projects and often involves perks for backers. Indiegogo offers a more flexible approach, allowing for diverse campaign types and investment models.
Beyond these popular platforms, some businesses may choose to pursue equity investment. This involves giving a portion of the company in exchange for capital, typically from venture capitalists looking for potential return on investment.
Crowdfunding Platforms to New Companies
Venture capital and angel investors are increasingly turning to crowdfunding platforms like CircleUp and AngelList to locate promising new companies. These platforms connect entrepreneurs with a wider pool of financiers, allowing them to obtain investments for their projects. The JOBS Act has transformed the investment landscape by making it easier for companies to access public funding. Platforms like EquityNet and Fundable offer individuals the opportunity to invest in a broad portfolio of companies, often with lower minimum investment than traditional venture capital.
Crowdfunding provides an alternative path for entrepreneurs to obtain investments by tapping into a collective capital model. Debt crowdfunding options are also becoming increasingly popular, allowing companies to attract investors while maintaining control. Platforms like SoMoLend and Endurance Lending Network specialize in private lending.
Regulatory bodies like the Financial Industry Regulatory Authority (FINRA) provide oversight to ensure transparency and protect investors in the crowdfunding space. S-1 filings and other compliance measures govern public offerings, while Reg A+ and Title IV exemptions offer pathways for companies to raise capital through publicly traded securities. The rise of crowdfunding has democratized access to investment opportunities, enabling both entrepreneurs and investors to participate in the dynamic world of early-stage investing.