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What is an Accredited or Eligible Investor?
As an accredited investor, you can trade securities that are not registered with financial authorities without a cap on the amount of funds you can invest. To be considered an accredited investor in Canada, you must meet any of the following eligibility requirements:
- At least $1 million in financial assets (cash and securities) before taxes. When calculating an individual’s financial assets any outstanding loans incurred to acquire those assets must be deducted.
- A before-tax net income of $200,000 (or $300,000 combined income with spouse) in the two most recent years, and who reasonably expects to exceed that net income in the current year.
- Have at least $5 million in net assets.
An Accredited investor also includes:
- Financial institutions
- Registered advisers or dealers
- Pension funds
- Corporations, limited partnerships, trusts or estates having net assets of at least $5 million
Eligible Investor:
Just like accredited investors, to be considered an eligible investor you must meet certain financial requirements (outlined below). Eligible investors that meet those requirements can invest more into investment opportunities subject to a prospectus exemption.
To qualify as an eligible investor you must have the following:
- Net assets (or combined with your spouse) greater than $400,000.
- A before-tax income of over $75,000 (or $125,000 combined income with your spouse) for at least two years in a row with the expectation to exceed that income in the current calendar year.
Under the offering memorandum exemption, for over a twelve-month period, eligible investors can put a maximum of $30,000 into investments subject to the OM exemption, unless they receive advice from a portfolio manager, investment dealer, or exempt market dealer, in which case they can invest up to $100,000
Examples of investments available to eligible investors include:
- Direct real estate investments
- Equity investments
- Debt investments
As shared above, at Parvis we offer a wide range of high-quality direct real estate investment opportunities for both accredited and eligible investors.