Farmland Protection Act explained

What Happens If You Invest And Are Not An Accredited Investor?

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Investing has long been recognized as a pathway to building wealth and securing a solid financial future.

While the term “accredited investor” may seem exclusive, it is essential to note that individuals who do not meet the criteria can still participate in various investment opportunities.

In this article, we will explore what happens if you invest and are not an accredited investor, shedding light on the available options for non-accredited investors.

Understanding Non-Accredited Investors

Before delving into the investment options available to non-accredited investors, let's define what it means to be a non-accredited investor.

In the financial world, an accredited investor typically refers to an individual or entity that meets specific income or net worth requirements set by regulatory authorities.

These criteria are in place to ensure that accredited investors possess a certain level of financial sophistication and can bear the potential risks associated with certain investment opportunities.

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PlatformMinimumLinkAccredited OnlyInvestments
EquityMultiple Logo$5,000+View InvestmentsYesCommercial Real Estate Properties
AcreTrader farmland investing platform$8,000+View InvestmentsYesUS Farmland, Timberland, Vineyards
farmtogether new logo table$15,000+View InvestmentsYesUS Farmland

Farmland Investing 101

Farmland has provided investors with consistent returns for decades, but gaining exposure to this alternative asset has been a challenge in the past.

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AcreTrader Investment

Instead of buying a farm yourself, investors pool their money together. And instead of managing the farmland yourself, AcreTrader takes care of that. They handle everything from the paperwork to finding a suitable farmland renter.

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To date, the team over at AcreTrader has funded 149 properties, totaling over $365 Million in equity raised. This has been invested into over 50,000 acres of farmland.

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This is a sponsored promotion for the AcreTrader platform. Farmland Riches, LLC and it's members may have investments in companies represented on the AcreTrader platform. This informational post is by no means a promotion, solicitation, or recommendation of any specific investment.

Investment Opportunities for Non-Accredited Investors

Being a non-accredited investor does not restrict one from investing.

It simply means that the investment landscape may differ, with some options unavailable or restricted due to regulatory requirements.

Here are some investment avenues typically accessible to non-accredited investors:

  1. Stocks and Exchange-Traded Funds (ETFs): Non-accredited investors can invest in publicly traded stocks and ETFs, which offer an opportunity to participate in the growth of various industries and companies. This provides diversification and potential capital appreciation.
  2. Bonds: Non-accredited investors have access to various types of bonds, such as municipal bonds, corporate bonds, and government bonds. Bonds offer fixed income and are considered less risky than equities.
  3. Real Estate Investment Trusts (REITs): REITs enable non-accredited investors to invest in real estate without directly owning properties. REITs pool investors' money to purchase and manage income-generating properties, providing potential dividends and capital appreciation.
  4. Peer-to-Peer Lending: Non-accredited investors can participate in peer-to-peer lending platforms, where individuals can lend money directly to borrowers. These platforms facilitate loans and offer potential interest income.
  5. Crowdfunding: Platforms allow non-accredited investors to invest in startups and small businesses. These investments are typically made through equity or debt instruments, providing an opportunity to support innovative ventures.
  6. Mutual Funds: Non-accredited investors can invest in mutual funds, which pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other assets. Mutual funds offer professional management and diversification.
  7. Index Funds: Like mutual funds, index funds allow non-accredited investors to invest in a broad market index, such as the S&P 500. Index funds aim to replicate the performance of a specific market index, providing exposure to a wide range of stocks.

Risks and Considerations

While non-accredited investors have access to various investment opportunities, it is essential to remember that investing always carries some level of risk.

Therefore, conducting thorough research, assessing your risk tolerance, and considering your investment goals before making any investment decisions is crucial.


A non-accredited investor does not mean being locked out of the investment world.

While some investment options may be limited, numerous avenues remain available for non-accredited investors to grow their wealth and achieve their financial goals.

By exploring options like stocks, bonds, real estate investment trusts, peer-to-peer lending, crowdfunding, mutual funds, and index funds, non-accredited investors can participate in the markets and potentially benefit from the growth of various asset classes.

Continually educate yourself, seek professional advice if needed, and diversify your investment portfolio to mitigate risks.

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Each parcel is divided into shares, and investors can purchase shares to earn cash distributions as well as benefit from the land value appreciation.

Farmland Riches is affiliated with AcreTrader, and we may earn a commission when you sign up for AcreTrader.

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