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Does crowdfunding a business give you a voting right? I mean, what kind of share or right do you have as one of the funders? Its very important you, as an investor, know the basics and thankfully, I'm here to assist.

First of all, there are mainly three types of shares allocated to investors while buying a company stock. Funding/investing in a business most times (except in the case of charity) gains you some shares in that business which may translate to a timely dividend payment.

A share denotes a claim on a corporation’s
ownership or interest in a financial asset.
There are mainly three types of shares in Nigerian companies which are Deferred shares, ordinary shares and preference shares.

According to investopia, a deferred share is a share that does not have any rights
to the assets of a company undergoing bankruptcy until all common and preferred shareholders are paid. This means members of a business with a deferred share are the last to receive their dividends.

An ordinary share defines a single unit of
equity ownership of a corporation, where
the holders of the ordinary shares receive
the right to cast a vote in decisions
involving important corporate matters.
While not all directors on a company board must be shareholders, ordinary shared are always allocated to the decision makers like them.

This is great except that ordinary share holders are only entitled to funds which remain after dividends on preferred shares are paid. Ordinary share holders may not receive dividend payments every year, and payments to ordinary shareholders depend on reinvestment decisions made by the company directors.

As such, ordinary shares are riskier than bonds or preference shares. Ordinary shares are also referred to as ‘common stock’. On the other hand, a preference share contains features of equity and debt as the dividend payments to preference shareholders are fixed.

The types of preference shares include cumulative preference shares – in which dividends including those in arrears from past terms are also paid, non-cumulative preference shares – where the missed out dividend payments are not carried forward, participating preference shares are where the holder receives dividends and any additional funds in times of financial stability,

and convertible preference shares is where an option is available to convert shares into ordinary shares. Preference shareholders are paid a fixed dividend and have the first claim on the assets and earnings. As such, preference shareholders receive their share of the firm’s residual value before ordinary shareholders in the event of liquidation. Preference shareholders do not have voting rights.
To me, being an investor was a necessity from birth. I aspired to be one but I basically didn't have the faintest idea on how to get started. I was in the verge that investors are some big time millionaires/billionaires with sophisticated knowledge on the economy.

I was naive and so were a lot of you. While Slourish has made it very easy for anyone to call himself an investor, a lot of us still lack the insights and probably need some mentorship. I mean, do you even know what bonds or royalties are?

Well, when you invest in a business here, except in some cases, you don't gain a voice. You are just handing over your money to help the business raise their deserved funding and in return, you gain a piece in the business.

This piece doesn't make you one of the owners. This piece, when matured, will be shares which gives you a stake and in most cases, the business pays you monthly, quarterly or annual dividends. In other cases, your little money which has now grown in form of stocks can then be traded for capital gains in the stock market if the company goes public.

This is practically what investing in a startup entails or what did you think it was all about?
Having an investment is great. Even the less enlightened in the villages probably know this by now. Every investor feels good. At least, those I know do. The problem however, is that most investment vehicles are quite complicated for the common man.

I mean, the man standing next to you probably don't know the first thing about stocks, bonds or even royalties. Real estate which ought to be the easiest but effective medium can be quite expensive and this leaves only very few options left.

Business on the other hand, gives people the opportunity to chose how to grow their money but it can be a very difficult task. Entrepreneurship is no day's job. It takes a lot more than just courage, creativity and leadership skills. For this very reason, its best to just invest in those who are ready to get the job done.

Thankfully, on Slourish you don't have to go through all that. Slourish is making it earlier for the average Nigerian to have a stake and profit from other people's hard work just by allocating their little kobo for the project. Think future? Think Slourish!
Why should we want to create an investment for ourselves? Investing your money can allow you to grow it. Most investment vehicles, such as stocks, certificates of deposit, or bonds, offer returns on your money over the long term. This return allows your money to build, creating wealth over time.

As you are working, you should be saving money for retirement. Put your retirement savings into a portfolio of investments, such as stocks, bonds, mutual funds, real estate, businesses, or precious metals. Then, at retirement age, you can live off funds earned from these investments.

Based on your personal tolerance of risk, you may want to consider being riskier at a younger age with your investments. Greater risk increases your chances of earning greater wealth.

Many investors like investing in people, whether they are business owners, artists, or manufacturers. These investors feel good helping others achieve their goals.

New ventures need the backing of money, and they look to investors for that backing. Some investors may like the excitement of investing in a new, cutting-edge product or service, or being part of something like a business or film that introduces them to a glamorous world.

There are a lot more reasons to invest so, what is yours?
A good number of us want the best things in life and probably think those who have it all are privileged. While I can't exactly exempt that point, it's also glaring that a good percentage of those doing fine worked their ass off to get there.

Being in any of these schools of thought may be overlooked but it becomes a big problem when you accept your situation or blame the goverment for your woes. Most times we have the solution to our problems or we have come across the opportunity at some point and ignored it.

Since not everyone is cut out for the stress of running a business or doing any other thing that requires a lot of work, we can only agree on a common ground - building assets. Assets, as you know, is the key to generating a steady income stream but a lot of us prefer to pump our money into liabilities.

Liabilities such as unnecessary luxuries or mere temporary WANTS - Irrelevant things that just drains your money. We all should be focused on gaining our NEEDS - those things you can't live without. Then, except you are financially strong, your only other focus should be on creating several sources of auto-generating income streams especially through investments.

Investing should be the ultimate goal of everyone as this creates money-generating assets without doing any real work. Thankfully, Slourish has made it easier for the average man. Most members here are now investors and that is the higest level of becoming financially educated and equipped. Kudos to us all!

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