Benzinga Money is a reader-supported publication. We may earn a commission from the advertisers associated with this article. Read our Advertiser Discloser.

You see a shocking number of ads daily – researchers estimate between 6,000 and 10,000 and 375 to 625 per waking hour. In the modern age, most of them come from social media apps whose entire business model revolves around constantly showing you ads and keeping 100% of the revenue. But what if users got a share? That company might just grow its revenue by 32,481% in three years, help users earn and save $325 million and be named Deloitte’s fastest-growing software company in North America. That’s what Mode Mobile did. Act now and secure your shares in Mode Mobile for just $0.55 per share

Reaching Financial Stability One Tap at a Time

Most Americans can’t afford a $1,000 emergency bill. That means many are one car breakdown or ER visit away from serious financial trouble. There’s no quick fix to such a big financial challenge that over 50% of Americans face. However, it’s safe to bet that the masses will flock to any good solutions. Mode Mobile created one such solution years ago by allowing people to earn money doing what they already spend a third of their waking hours on – tapping, scrolling and looking at their smartphone screens.

Mode Mobile developed a smartphone called EarnPhone, which allows users to earn and save money by playing video games, listening to music and reading the news. With the phone priced at an affordable $99, the barriers to adoption are low. However, users can earn income on their existing devices as well. This extreme competitiveness has allowed Mode Mobile to attract over 45 million registered beta users. Launching the finalized version could bring in millions more, helping the company reach its goal of $150 million in annual revenue within three years.

6,955,000,000 Users to Go

Currently, seven billion smartphones worldwide provide functionality or entertainment but take all the profits. Mode Mobile’s disruption offers the same benefits but allows users to earn money at a time when the prices of goods are skyrocketing. Just like Airbnb lets users earn extra cash by renting out their bedrooms and Uber allows users to make money on their rides back home from work, Mode Mobile wants to enable its users to make money from their phones. However, its total addressable market is much larger than Airbnb’s and Uber’s – currently at over $1 trillion.

Act now and secure your shares in Mode Mobile for just $0.55 per share. Additionally, if you tune in for the company’s upcoming webinar, you’ll get 20% more shares on any invested amount. All funding rounds open to non-accredited investors, including Mode Mobile’s, are limited in time. So, if you’d like to be part of the future it’s building, consider acting soon.

Invest in Mode Mobile today.

AN OFFERING STATEMENT REGARDING THIS OFFERING HAS BEEN FILED WITH THE SEC. THE SEC HAS QUALIFIED THAT OFFERING STATEMENT, WHICH ONLY MEANS THAT THE COMPANY MAY MAKE SALES OF THE SECURITIES DESCRIBED BY THE OFFERING STATEMENT. THE OFFERING CIRCULAR THAT IS PART OF THAT OFFERING STATEMENT IS AVAILABLE HERE.

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Disclaimer: Please be advised that alternative investments carry a risk of monetary loss. Neither Benzinga nor its staff recommends that you buy, sell, or hold any security. We do not offer investment advice, personalized or otherwise. All information contained on this website is provided as general commentary for informative and entertainment purposes and does not constitute investment advice. Benzinga will not accept liability for any loss or damage, including without limitation to, any loss of profit, which may arise directly or indirectly from use of or reliance on this information, whether specifically stated in the above Terms of Service or otherwise. Benzinga recommends that you conduct your own due diligence and consult a certified financial professional for personalized advice about your financial situation.

Benzinga is compensated for publicizing this content. Please read 17b disclosures here.

The post ‘Scrolling To UBI’: Deloitte’s #1 Fastest-Growing Software Company Allows Users To Earn Money On Their Phones – Invest Today For Just $0.55/Share by Emily Lew appeared first on Benzinga. Visit Benzinga to get more great content like this.

Benzinga Money is a reader-supported publication. We may earn a commission from the advertisers associated with this article. Read our Advertiser Discloser.

Being good at investing during your term in the U.S. House of Representatives is one thing. But doing it so well that you might get it outlawed is a different story. 

While the S&P 500 rose by 17% in 2024, U.S. Rep. Nancy Pelosi’s (D-California) portfolio saw a remarkable increase of 48%. In her diverse investment portfolio, Pelosi has shown a keen interest in artificial intelligence (AI) startups. Notably, she invested $5 million in Databricks, a privately held AI company, in 2024.

More recently, in January 2025, Pelosi purchased 50 call options in Tempus AI, a health tech company specializing in AI-driven solutions. So how do we join her? Most emerging AI companies are private, but there are still opportunities to invest in the sector like the former speaker of the House. 

One of the most eligible industries to invest in AI tech today is the $2 trillion entertainment market — virtual performances and synthetic media. AI-powered holograms, virtual influencers, and synthetic media allow for performances and content creation that were previously impossible, extending the lifecycle of IP (intellectual property) like characters or deceased artists.

Elf Labs: Advanced Technology Meets Iconic IP

Ever wondered what would happen if you combined Disney-level IP with cutting-edge AR and AI tech? 

That’s exactly what Elf Labs does. 

Not only that, but they’ve won 100+ trademark victories for characters like Cinderella, The Little Mermaid, and Snow White, plus are using tech (12 patents!) to bring them to life in your living room—no VR headsets needed.

Now, Elf Labs has opened an investment opportunity to the public for just a limited time — with just $974 you can invest entryway into this $2 trillion market.

A New Era In Entertainment

AI has taken the entertainment world by storm, influencing everything from content creation to audience engagement. Hollywood studios and streaming giants like Netflix and Disney are leveraging AI to craft personalized viewing experiences, predict box office hits, and optimize scriptwriting.

According to IDC, global shipments of AR and VR headsets are expected to surge by 41.4% in 2025, fueled by more affordable devices and the integration of artificial intelligence (AI) features. Experts are expecting that the AR and VR markets are set for explosive growth, with global headset sales projected to hit $14.36 billion by 2033, growing at a 7.3% CAGR. Another testament that the industry remains a lucrative opportunity, poised to redefine how we interact with technology.

Take Action: Invest in Elf Labs today

Benzinga is compensated for publicizing this content. Please read 17b disclosures here.

Disclaimer: Equity crowdfunding investments in private placements, and start-up investments in particular, are speculative and involve a high degree of risk and those investors who cannot afford to lose their entire investment should not invest in start-ups. Companies seeking startup investment through equity crowdfunding tend to be in earlier stages of development and their business model, products and services may not yet be fully developed, operational or tested in the public marketplace. There is no guarantee that the stated valuation and other terms are accurate or in agreement with the market or industry valuations. Further, investors may receive illiquid and/or restricted stock that may be subject to holding period requirements and/or liquidity concerns.

The post Nancy Pelosi Invested $5 Million In An AI Company Last Year — Here’s How You Can Invest In Multiple Pre-IPO AI Startups With Just $1,000 by Emily Lew appeared first on Benzinga. Visit Benzinga to get more great content like this.

Benzinga Money is a reader-supported publication. We may earn a commission from the advertisers associated with this article. Read our Advertiser Discloser.

Being good at investing during your term in the U.S. House of Representatives is one thing. But doing it so well that you might get it outlawed is a different story. 

While the S&P 500 rose by 17% in 2024, U.S. Rep. Nancy Pelosi’s (D-California) portfolio saw a remarkable increase of 48%. In her diverse investment portfolio, Pelosi has shown a keen interest in artificial intelligence (AI) startups. Notably, she invested $5 million in Databricks, a privately held AI company, in 2024.

More recently, in January 2025, Pelosi purchased 50 call options in Tempus AI, a health tech company specializing in AI-driven solutions. So how do we join her? Most emerging AI companies are private, but there are still opportunities to invest in the sector like the former speaker of the House. 

One of the most eligible industries to invest in AI tech today is the $2 trillion entertainment market — virtual performances and synthetic media. AI-powered holograms, virtual influencers, and synthetic media allow for performances and content creation that were previously impossible, extending the lifecycle of IP (intellectual property) like characters or deceased artists.

Elf Labs: Advanced Technology Meets Iconic IP

Ever wondered what would happen if you combined Disney-level IP with cutting-edge AR and AI tech? 

That’s exactly what Elf Labs does. 

Not only that, but they’ve won 100+ trademark victories for characters like Cinderella, The Little Mermaid, and Snow White, plus are using tech (12 patents!) to bring them to life in your living room—no VR headsets needed.

Now, Elf Labs has opened an investment opportunity to the public for just a limited time — with just $974 you can invest entryway into this $2 trillion market.

A New Era In Entertainment

AI has taken the entertainment world by storm, influencing everything from content creation to audience engagement. Hollywood studios and streaming giants like Netflix and Disney are leveraging AI to craft personalized viewing experiences, predict box office hits, and optimize scriptwriting.

According to IDC, global shipments of AR and VR headsets are expected to surge by 41.4% in 2025, fueled by more affordable devices and the integration of artificial intelligence (AI) features. Experts are expecting that the AR and VR markets are set for explosive growth, with global headset sales projected to hit $14.36 billion by 2033, growing at a 7.3% CAGR. Another testament that the industry remains a lucrative opportunity, poised to redefine how we interact with technology.

Take Action: Invest in Elf Labs today

Disclaimer: Equity crowdfunding investments in private placements, and start-up investments in particular, are speculative and involve a high degree of risk and those investors who cannot afford to lose their entire investment should not invest in start-ups. Companies seeking startup investment through equity crowdfunding tend to be in earlier stages of development and their business model, products and services may not yet be fully developed, operational or tested in the public marketplace. There is no guarantee that the stated valuation and other terms are accurate or in agreement with the market or industry valuations. Further, investors may receive illiquid and/or restricted stock that may be subject to holding period requirements and/or liquidity concerns.

The post Nancy Pelosi Invested $5 Million In An AI Company Last Year — Here’s How You Can Invest In Multiple Pre-IPO AI Startups With Just $1,000 by Emily Lew appeared first on Benzinga. Visit Benzinga to get more great content like this.

Benzinga Money is a reader-supported publication. We may earn a commission from the advertisers associated with this article. Read our Advertiser Discloser.

Real estate investing becomes an entirely different game when you gain access to exclusive deals that typically happen behind closed doors. If you’re looking for that kind of opportunity in your portfolio, consider skipping the trial-and-error phase and going straight to the platform with three decades of experience and over $178 million paid out to investors. Ignite Funding boasts an impressive track record of double-digit returns and a community of eager suitable investors. You can join them by investing a minimum of $10,000 in newly available offerings. 

How does Ignite Operate?

Ignite Funding acts as your expert insider in the commercial real estate market. Through a rigorous vetting process, it filters out most commercial and residential real estate trust deed investing deals, leaving only the cream of the crop. You then can invest in individual opportunities that gain your trust. Unlike actively managed funds that charge maintenance fees, Ignite Funding lets you diversify with individual trust deed investments from reputable borrowers with proven track records.

Trust deed investing means acting as a lender for specific real estate projects. With Ignite Funding, you’re extending your funds to real estate developers/builders seeking funds to build or develop . They pay interest regularly, creating a steady flow of passive income. Ignite Funding selects only the most favorable deals, typically between $1 million and $10 million.’

Trust deed investing means acting as a lender for specific real estate projects. With Ignite Funding, you’re extending your funds to real estate developers/builders seeking funds to build or develop . They pay interest regularly, creating a steady flow of passive income. Ignite Funding selects only the most favorable deals, typically between $1 million and $10 million.

Loans of that size are too large for local banks but too small for national and international giants. This drives many solid companies with strong track records to seek funding elsewhere. Accredited investors close this gap through Ignite Funding, earning substantial returns as compensation. On average, Ignite has returned 10.27% annually in the last three years. Currently, two projects are available for funding through the platform.

Rhino Holdings Marysville I, LLC


(image courtesy of Ignite Funding) 

Rhino Holdings Marysville I, LLC is a special purpose entity established by GGD Oakdale, LLC as the real estate arm of the borrower, Sanjiv Chopra. The borrower has extensive experience in acquiring and leasing properties with value-added potential throughout the West Coast, some of which Ignite Funding has been a part of. Since 2016, Ignite Funding has successfully lent over $309,900,000 to the borrower without incident.

The collateral for this First Trust Deed loan consists of four parcels in the Marysville Town Center in the heart of Marysville, WA. Marysville is a vibrant, growing city on the banks of the Snohomish River known for its spectacular views of the Olympic and Cascade mountains. Washington has the 14th fastest growing economy in the US and Marysville is approximately 35 miles north of Washington’s largest city, Seattle. These four parcels cover 431,600 sf (10.6 acres) of land and are home to many large brands such as JC Pennys, Petco, Burlington’s, Verizon, and more.

8123 Esther Acres Ln Houston, TX 77088 (Lots 9-27)

SDIRA Wealth is the parent company of Prez Enterprises, Inc, which was established

by the land banking arm of the company. SDIRA Wealth has a long history in West Texas of developing and building hundreds of residential units which are then sold to their investors as rental properties.

Operating as a turnkey real estate investment firm, SDIRA has sold over 2,000 units since beginning operations about eight years ago. Since June of 2022 when Ignite originated its first loan with an affiliate of this borrower, Ignite has originated over $40,000,000 with the borrower without any issues.

Invest with Ignite Funding today.

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Disclaimer: Please be advised that alternative investments carry a risk of monetary loss. Neither Benzinga nor its staff recommends that you buy, sell, or hold any security. We do not offer investment advice, personalized or otherwise. All information contained on this website is provided as general commentary for informative and entertainment purposes and does not constitute investment advice. Benzinga will not accept liability for any loss or damage, including without limitation to, any loss of profit, which may arise directly or indirectly from use of or reliance on this information, whether specifically stated in the above Terms of Service or otherwise. Benzinga recommends that you conduct your own due diligence and consult a certified financial professional for personalized advice about your financial situation.

The post $2 Billion In Funded Investments, Three Decades In Business And Double-Digit Annualized Returns – This Is Ignite Funding by Emily Lew appeared first on Benzinga. Visit Benzinga to get more great content like this.

Benzinga Money is a reader-supported publication. We may earn a commission from the advertisers associated with this article. Read our Advertiser Discloser.

A new fund of funds helps you invest in the fastest-growing cities in the country. Cityfunds Select provides investors with a way to own a part of the $20 trillion home equity market by investing directly in high-growth cities. This innovation in real estate investing is targeting returns that could exceed the S&P 500. Offer only open to Accredited Investors.

The buzz around certain cities right now is unmistakable. Take Miami, the new financial capital of the country, where billionaires like Jeff Bezos and Larry Ellison are building massive real estate portfolios. The city is fast becoming known as Wall Street South, with Citadel billionaire Ken Griffin set to break ground on a 54-story tower that will be the headquarters of his financial empire.

Or how about Houston, which now has 24 Fortune 500 companies headquartered in the area including Chevron, which recently made the move to the area? And then there’s Dallas, which leads the country in population growth, cruising past the 8 million mark last year.

Select Cityfund Offering For Accredited Investors

These cities all have one thing in common: You can now invest in all of them through a single unique investing product that lets you make returns without having to try and buy a home or a portfolio of properties in an area, no easy task with today’s high prices. The opportunity for accredited investors is clear — you can build out a well-diversified real estate portfolio with just a few clicks. 

Cityfunds Select puts you in the driver’s seat with a five-year term fund structured to provide investors with exposure to a diversified portfolio of city-specific home equity investments across major markets, such as Austin, Miami, Denver, Phoenix, Los Angeles, and Nashville. The fund serves as a “fund of funds” that incorporates Cityfunds Series-level LLC offerings as well as exclusive access to new Cityfunds. By balancing exposure to existing funds with being first capital in new Cityfunds, Cityfunds Select gives investors the broadest exposure to Cityfunds offerings. Investors can capitalize on both the hottest markets now, as well as the emerging markets that could bring strong returns over the next five years. 

Nada invests in residential properties across high-demand markets through a unique tool called a home equity investment. While most people are familiar with the concept of using home equity to finance home improvements or consolidate debt, few are aware of the growing trend of home equity investments (HEIs) as an emerging asset class. Home equity investments allow retail investors to access a homeowner’s equity in exchange for a stake in the home’s future appreciation. These investments generate returns in two ways: through increases in property values and payoffs generated from a home sale or refinance.

Nada’s wholly-owned subsidiary, Nada Loans, LLC, sources and originates home equity investment agreements through its in-house licensed mortgage brokerage origination and underwriting team. The team uses sophisticated data analytics to target the neighborhoods most likely to see price appreciation. Then, they get to work securing investments below market value that start appreciating on day one. 

The potential for home equity investments is particularly compelling during the current interest rate climate. As interest rates decrease and the housing market grows, home equity investments allow investors to benefit directly. Even better, home equity investments offer a low correlation with other asset classes, providing valuable diversification benefits and reducing overall portfolio risk.

Through Cityfund Select, you can gain exclusive access to the single-family home equity market in some of the fastest-growing areas in the United States. This fund is limited to just 99 investors, so reserve your spot today. 

Click To See More Offerings To Invest In Nada Cityfunds Today

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Disclaimer: Please be advised that alternative investments carry a risk of monetary loss. Neither Benzinga nor its staff recommends that you buy, sell, or hold any security. We do not offer investment advice, personalized or otherwise. All information contained on this website is provided as general commentary for informative and entertainment purposes and does not constitute investment advice. Benzinga will not accept liability for any loss or damage, including without limitation to, any loss of profit, which may arise directly or indirectly from use of or reliance on this information, whether specifically stated in the above Terms of Service or otherwise. Benzinga recommends that you conduct your own due diligence and consult a certified financial professional for personalized advice about your financial situation.

The post Invest In $20+ Trillion Home Equity Market Today Across Cities Like Austin, Miami, And Los Angeles Through A Unique Five-Year Term Fund Targeting A 14-20% IRR With Minimums As Low As $2,500 by Emily Lew appeared first on Benzinga. Visit Benzinga to get more great content like this.

In today’s complex financial world, making sound decisions about money management can be challenging. From saving for retirement to managing investments, everyone wants to make their money work harder and smarter. Yet, with an overwhelming amount of information and ever-changing markets, many individuals find themselves uncertain about the best way forward. This is where a financial advisor can become an invaluable resource, guiding you through the maze of financial decisions and helping you achieve your goals.

Find a Vetted Financial Advisor

• Finding a fiduciary financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to 3 financial advisors that serve your area in 5 minutes.
• Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests. Get on the path toward achieving your financial goals!

BENEFITS TO HAVING A FINANCIAL ADVISOR

1. Personalized Financial Planning
A financial advisor offers tailored strategies based on your unique situation, whether you’re saving for retirement, planning for education, or looking to purchase a home. In fact, 76% of individuals believe they would benefit from a financial advisor’s assistance when making major financial decisions, like buying a home, according to a World Metrics report. This personalized approach ensures that your plan is designed to help you achieve your specific goals in the most efficient way possible.

2. Expert Knowledge and Insights
Financial advisors bring valuable expertise in areas like market trends, tax laws, and investment strategies. They help you navigate the complexities of wealth management and avoid common mistakes. Research shows that working with a financial advisor can add about 3% in net returns to your investments annually, according to Vanguard’s Advisor’s Alpha Study^[1]. This boost comes from their experience in asset allocation, rebalancing, and behavioral coaching, which ensures your investments remain aligned with your financial goals.

Benzinga’s #1 Pick For Best Platform For Comparing Financial Advisors

SmartAsset’s SmartAdvisor Match tool is a free questionnaire using your age, income, investments and future goals to match you with up to 3 financial advisors based on geography, investable assets, and willingness to work with a remote advisor. 

3. Accountability and Discipline
Staying disciplined in your financial plan can be difficult, especially in times of market volatility. Financial advisors act as coaches, helping you stay on track and avoid emotional decision-making. A study from World Metrics found that 84% of financial advisors successfully retained clients during market downturns. This highlights their role in providing stability and guidance during uncertain times, helping you maintain a long-term perspective.

4. Risk Management and Diversification
Advisors help you manage risk through proper diversification and asset allocation. They also provide advice on insurance and estate planning, protecting your wealth from unforeseen events. According to World Metrics, 80% of individuals who work with a financial advisor feel better prepared for retirement. This is a testament to how advisors can help safeguard your future by minimizing risks and ensuring you’re prepared for any challenges ahead.

5. Peace of Mind and Confidence
Working with a financial advisor provides peace of mind, knowing that a professional is managing your financial future. Advisors help reduce the stress of complex financial decisions, and their guidance fosters confidence in your investment strategy. A survey from CIRANO showed that 61% of advised investors strongly agreed that their advisor had a positive impact on their investment returns. This confidence comes from knowing that your finances are in expert hands, allowing you to focus on other aspects of life.

In summary, working with a financial advisor offers personalized planning, expert advice, accountability, risk management, and peace of mind. These benefits not only improve your financial outcomes but also ensure that you stay on track to achieve your long-term goals.

Take Action: Locate a financial advisor near you, for free.

Benzinga Money is a reader-supported publication. We may earn a commission from the advertisers associated with this article. Read our Advertiser Discloser.

The post Unlocking the 3% Advantage: The Benefits of Partnering with a Financial Advisor and How to Find the Right One by Emily Lew appeared first on Benzinga. Visit Benzinga to get more great content like this.

In today’s fast-paced world, making smart financial decisions is more critical than ever. Whether you’re a first-time homebuyer, an experienced real estate investor, or planning for retirement, you need tools and resources that help you navigate complex financial landscapes. That’s where SmartAsset comes in—your personal finance ally for smarter investing, homeownership, and planning for the future. SmartAsset’s free tool matches you with up to 3 financial advisors that serve your area in minutes. Whether you need help creating a plan for real estate investment or optimizing your retirement strategy, SmartAsset ensures you have access to expert advice tailored to your needs.

Have over $150K in assets but unsure how to build that into a multimillion nest egg? Fill in questionnaire below to match with a vetted financial advisor customized to your needs.

Interactive Calculators for Informed Choices

At the core of SmartAsset’s offering are its powerful, interactive calculators that provide instant insights based on your unique financial situation. SmartAsset’s Retirement Calculator is a quick look for users whether they’re starting to save or nearing retirement. This powerful tool estimates how much you’ll need based on your current savings, income, and lifestyle. With personalized insights, you can adjust your strategy to ensure a comfortable, stress-free retirement. 

Knowledge is Power with SmartAsset

SmartAsset is not just about tools and numbers—it’s about empowering you with knowledge. Their platform offers articles, guides, and expert advice on a wide range of personal finance topics. From navigating the complexities of the housing market to understanding property taxes and retirement savings, SmartAsset is your all-in-one resource for building a brighter financial future.

Take the Next Step Today

If you’re serious about securing your financial future, SmartAsset is here to help. With calculators, educational resources, and access to trusted financial advisors, you’ll have everything you need to make smarter decisions.

Whether you’re a homebuyer, real estate investor, or someone planning for retirement, SmartAsset gives you the tools to achieve your financial goals with confidence. Visit SmartAsset today and take the first step toward financial freedom.

Take Action: Locate a financial advisor near you, for free.

Benzinga’s #1 Pick For Best Platform For Comparing Financial Advisors

SmartAsset’s SmartAdvisor Match tool is a free questionnaire using your age, income, investments and future goals to match you with up to 3 financial advisors based on geography, investable assets, and willingness to work with a remote advisor. 

Benzinga Money is a reader-supported publication. We may earn a commission from the advertisers associated with this article. Read our Advertiser Discloser.

The post In 2024, SmartAsset Celebrates More Than $1 Billion In New Assets — See Why People Are Running To Use SmartAdvisor To Get Matched With Their Financial Advisor. by Emily Lew appeared first on Benzinga. Visit Benzinga to get more great content like this.

Retirement income calculators are powerful tools for estimating how much you may need to save to retire comfortably and assessing whether you’re on track to reach that goal. However, while they offer valuable insights, they are often limited by their assumptions and generalizations. Partnering with a financial advisor can help you interpret the calculator’s output, refine your strategy, and address the nuances of your specific financial situation. Here’s how retirement income calculators work and why using them alongside a financial advisor can lead to better retirement planning:

1. Inputs and Assumptions:

• Personal and Financial Details: Calculators require key information, like your current age, planned retirement age, and current retirement savings and contributions. However, they generally make assumptions that may not reflect your actual financial picture. A financial advisor can help refine these inputs, ensuring they match your income trajectory, risk tolerance, and goals.
• Expected Income Sources: Many calculators estimate income from sources like Social Security, pensions, or annuities based on standardized models. A financial advisor can use real-time, personalized data to create a more accurate income projection and help you understand options for maximizing these benefits.
• Investment Growth and Inflation Rates: Calculators often assume a static growth rate and inflation rate, which might not fully capture the ups and downs of the market or inflation variability. A financial advisor can suggest growth rates based on current economic trends and your portfolio’s specific composition, as well as stress-test for different inflation scenarios.

Top Banking Offers This Month

2. Growth and Compounding Calculations:

• Future Value of Investments: Retirement calculators estimate future portfolio value using compounding, but advisors can fine-tune this by accounting for more complex factors, like portfolio rebalancing and tax efficiency strategies that could boost net returns.
• Risk Management and Compounding: While calculators use basic compounding calculations, an advisor can help you design an investment strategy that balances growth and risk tolerance, potentially increasing your compound returns over time.

3. Drawdown and Withdrawal Calculations:

• Retirement Drawdown Strategy: Many calculators use the 4% rule as a guideline for retirement withdrawals, but this one-size-fits-all approach may not be suitable for everyone. A financial advisor can create a custom withdrawal plan that accounts for variable spending needs, tax implications, and market fluctuations to help prevent you from running out of funds.
• Tax Considerations: Calculators may not accurately capture tax impacts on withdrawals, especially if your assets are in different types of accounts (e.g., Roth vs. traditional). An advisor can guide you in planning tax-efficient withdrawals, ensuring that your after-tax income matches your retirement spending needs.

Benzinga’s #1 Pick For Best Platform For Comparing Financial Advisors

SmartAsset’s SmartAdvisor Match tool is a free questionnaire using your age, income, investments and future goals to match you with up to 3 financial advisors based on geography, investable assets, and willingness to work with a remote advisor. 

4. Projection of Income Shortfall or Surplus:

• Deficit or Surplus Analysis: Calculators provide an estimate of whether your funds will last throughout retirement, but they often don’t account for unexpected life changes or health care costs. A financial advisor can help address potential shortfalls with strategies to boost savings, optimize investments, or adjust spending plans.
• Sensitivity Analysis: Many calculators let you tweak variables, like retirement age or savings rates, but they rarely offer in-depth analysis. An advisor can create detailed scenarios to show how different decisions will affect your retirement security, empowering you to make informed trade-offs.

5. Scenario Analysis and Personalized Recommendations:

• Scenario Planning: Calculators provide generalized scenarios for savings and spending, but an advisor can build custom strategies that align with your goals, such as a specific retirement age or legacy objectives. They can offer more tailored advice for managing cash flow, covering health care expenses, or protecting assets.
• Strategic Adjustments: Based on your calculator results, an advisor may suggest adjustments, such as increasing savings, adjusting your investment mix, or considering income-generating assets like annuities or rental properties. This guidance helps you respond to changing circumstances and stay on track.

While retirement calculators are helpful, they’re most effective when used with guidance from a financial advisor. An advisor can interpret the calculator’s results, consider factors that may be overlooked (like economic conditions, longevity risks, and unexpected expenses), and help you build a retirement plan that’s tailored, flexible, and sustainable. Combining the calculator’s insights with an advisor’s expertise ensures a more secure and confident approach to retirement planning.

Have over $100K assets and want to make sure you will retire with a multimillion nest egg? Speak to a professional today. Take your free retirement quiz today and speak to a vetted fiduciary financial adviser.

Benzinga Money is a reader-supported publication. We may earn a commission from the advertisers associated with this article. Read our Advertiser Discloser.

The post How Accurate Are Retirement Income Calculators? by Emily Lew appeared first on Benzinga. Visit Benzinga to get more great content like this.

Benzinga Money is a reader-supported publication. We may earn a commission from the advertisers associated with this article. Read our Advertiser Discloser.

The world’s biggest asset managers like BlackRock and Blackstone know that real estate is one of the best ways to build and retain wealth, but it is all about seizing the right opportunity at the right time. There’s a population shift going on in the United States that is like nothing that has ever been seen before. People are moving to the Sunbelt region and boosting the economy and the real estate market with every moving truck that arrives. 

The Fundrise Flagship Fund saw this trend before many others did and this real estate fund has now amassed a portfolio of over 2,500 multifamily residential units, 4,700 built-for-rent homes and 3 million square feet of industrial properties in 3 years. These assets are already worth over $1 billion and typically pay out dividends quarterly in addition to potential appreciation.

“Harnessing The Macroeconomic Drivers Of The U.S. Real Estate Market”

The Fundrise Flagship Fund built its portfolio following the same blueprint that many real estate trusts have used to grow to billions in assets under management. The key difference is that anyone over eighteen can own a stake starting at $10, despite the fund managing over $1 billion in assets.

Once you acquire a piece of the Flagship Fund’s real estate portfolio, experts with decades of experience will use your money to acquire build-to-rent single-family homes, multifamily units and industrial properties. You can then receive rent dividends every quarter without lifting a finger. Over 370,000 investors have seized this opportunity, capitalizing on the Fundrise Flagship Fund’s proven investment philosophy.

Going Where The Growth Is

The Fundrise Flagship Fund’s size and capital deposits allow it to quickly deploy funds based on the most promising long-term opportunities for performance. Currently, the Sunbelt region is a no-brainer. In 1950, it held 28% of the total U.S. population. That number is at 50% right now, and it’s still expected to outgrow all other regions in the next decade. Its regulatory framework has led many leading companies to move their headquarters there, including Oracle, Tesla and Hewlett Packard Enterprise. This drives further population increases, fueling an even greater incentive to move to the region for corporations and families. Naturally, that’s where the Flagship Fund’s investments are clustered.

The Flagship Fund aims to acquire great real estate assets at attractive prices to maximize its returns further. For example, the Fund buys single-family rentals directly from the homebuilder and leases them on its own, significantly lowering costs. The Fund has applied a similar approach to acquiring multifamily units at, what it believes to be, attractive prices. For many investors, the ability to create consistent income – via equity ownership in apartment buildings or single-family rentals that earn income through rental payments, for instance – is one of the most attractive aspects of real estate investing.

How Did It Get This Far?

The Fundrise Flagship Fund follows its investment philosophy to a tee. It doesn’t take moonshots. It harnesses macroeconomic factors through a diversified allocation strategy, aiming for higher returns at a lower risk. If you invest for the long-term, the Flagship Fund can be a great fit for you.

Right now, the Fund is accumulating capital that it aims to deploy for future exciting projects and you can join the initiative for as little as $10.

Click here to tap potential passive income through the Fundrise Flagship Fund.

This is a paid advertisement. Carefully consider the investment objectives, risks, charges and expenses of the Fundrise Flagship Fund before investing. This and other information can be found in the Fund’s prospectus. Read them carefully before investing. 

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Disclaimer: Please be advised that alternative investments carry a risk of monetary loss. Neither Benzinga nor its staff recommends that you buy, sell, or hold any security. We do not offer investment advice, personalized or otherwise. All information contained on this website is provided as general commentary for informative and entertainment purposes and does not constitute investment advice. Benzinga will not accept liability for any loss or damage, including without limitation to, any loss of profit, which may arise directly or indirectly from use of or reliance on this information, whether specifically stated in the above Terms of Service or otherwise. Benzinga recommends that you conduct your own due diligence and consult a certified financial professional for personalized advice about your financial situation.

The post Woops Sorry! The Fundrise Innovation Fund Offer Has Expired. Please Check Out Their Flagship Fund Instead. This Billion-Dollar Fund Has Invested In The Next Big Real Estate Boom, Here’s How You Can Join For $10. by Emily Lew appeared first on Benzinga. Visit Benzinga to get more great content like this.

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Getting one world-class entrepreneur to invest in your company is a home run. Getting five of them probably means your product is a clear winner in its niche. Arrived has gathered five investors most startups could only dream of. Their total net worth exceeds $223 billion. The CEOs of Amazon, Salesforce & Uber, and former CEOs of Zillow and Invitation Homes saw a great future for the company, and each got a stake. So far, it’s turning out great for them, as Arrived currently boasts over 632,000 investors on its platform. In only five years, it has democratized home investing for non-accredited investors. It’s doing the same in the private credit arena amid an ongoing boom. It takes as little as $100 to invest and get up to 9% annual profits. 

In 2023, Non-Bank Lenders Funded 86% Of Leveraged Loans

Only four years ago, the total private credit market was around $1 trillion. Since then, it has ballooned up to $1.5 trillion, and BlackRock thinks the growth won’t stop anytime soon. The world’s biggest asset manager projects that the total volume of private credit will reach $3.5 trillion by 2028. Its president referred to today’s financial landscape as the “golden moment” for private credit. Investing in it means acting as a bank and lending money to businesses for a profit. This form of investment is growing at an unprecedented pace, and Arrived wants to ensure you don’t get left out.

Income Fund With 7-9% Annual Dividend Expected

It has created the Arrived Private Credit Fund, which lets you invest in private credit and receive 7%-9% in annual dividends. Its mechanism is fairly simple. Investing in private credit usually has extremely high entry points, but Arrived allows you to invest as little as $100. That’s because it pools your funds from all investors and then lends money to specific types of businesses with which the company is most familiar.

It’s A Real Estate Company That’s Funding Real Estate Companies

Arrived has become one of the most dominant players in the fractional investment space. Its leadership had decades of real estate experience before starting the company. After that, their main objective was anticipating which units would rocket in value in five to seven years. They were so successful that they gained the trust of Jeff Bezos, Salesforce’s Marc Benioff, and Zillow’s ex-CEO of 14 years, Spencer Rascoff. Now Arrived is using that knowledge to fund the most promising real estate projects and share the interest payments they yield with its investors.

Through the Private Credit Fund, Arrived extends loans for various property renovations, rehabs, and constructions. Each loan is secured by the properties, creating a strong protection barrier for investors.

The ongoing surge of private credit opens a window of investment opportunity that won’t last forever. Arrived Private Credit Fund allows you to seize it at a reduced risk.

Click here to invest in the Arrived Private Credit Fund.

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Disclaimer: Please be advised that alternative investments carry a risk of monetary loss. Neither Benzinga nor its staff recommends that you buy, sell, or hold any security. We do not offer investment advice, personalized or otherwise. All information contained on this website is provided as general commentary for informative and entertainment purposes and does not constitute investment advice. Benzinga will not accept liability for any loss or damage, including without limitation to, any loss of profit, which may arise directly or indirectly from use of or reliance on this information, whether specifically stated in the above Terms of Service or otherwise. Benzinga recommends that you conduct your own due diligence and consult a certified financial professional for personalized advice about your financial situation.

The post These Five Entrepreneurs Are Worth $223 Billion – They All Believe In One Platform That Lets You Seize The Private Credit Boom by Emily Lew appeared first on Benzinga. Visit Benzinga to get more great content like this.