The Ultimate Guide to the Best Accredited Investor Investments in 2025
As an accredited investor, you’re part of a select group with access to exclusive investment opportunities that most retail investors can’t tap into. These opportunities range from private credit and real estate to fine art and cryptocurrency. In this article, we’ll explore the best accredited investor investments available today, highlighting their unique features, potential returns, and how they fit into a diversified portfolio.
Understanding Accredited Investors
Before diving into the investment options, it’s essential to understand what qualifies as an accredited investor. According to the Securities and Exchange Commission (SEC), an individual is considered an accredited investor if they meet specific income or net worth criteria:
- Income Requirements: Individuals with an annual income of over $200,000 ($300,000 for joint filers) with a reasonable expectation of maintaining that level.
- Net Worth Requirements: Individuals with a net worth exceeding $1 million, excluding the value of their primary residence.
These requirements ensure that accredited investors have the financial means to handle the risks associated with alternative investments.
The 11 Best Accredited Investor Investments
1. Percent – Invest in Private Credit
Overall Rating: ⭐⭐⭐⭐⭐
Minimum Investment: $500
Private credit has become a popular choice among accredited investors due to its potential for higher returns and lower correlation with public markets. Platforms like Percent offer access to this asset class, which involves lending to companies that don’t have access to traditional banking systems.
Key Features:
– Diversification: Percent allows investors to spread their capital across multiple borrowers and asset classes.
– Transparency: The platform provides clear insights into each deal, helping investors make informed decisions.
– Fees: Charges up to 10% of interest, resulting in an effective APY of around 13.5% after fees.
2. Masterworks – Invest in Fine Art
Overall Rating: ⭐⭐⭐⭐⭐
Minimum Investment: None
Fine art has long been a favorite among high-net-worth individuals, with contemporary art appreciating at an average of 11.4% annually over the past 30 years. Masterworks offers a way for accredited and non-accredited investors to participate in this market by investing in shares of high-value artworks.
Key Features:
– Access to Blue-Chip Art: Invest in pieces by renowned artists like Basquiat and Banksy.
– Secondary Market: Sell shares on an unaffiliated secondary market (available only to U.S. clients).
– Growth Potential: Outperforms traditional investments like the S&P 500.
3. Hiive – Invest in Private Companies
Overall Rating: ⭐⭐⭐⭐⭐
Minimum Investment: $25,000
For those interested in early-stage startups and pre-IPO companies, Hiive provides a platform where accredited investors can buy and sell shares. This platform connects investors with venture capital firms, angel investors, and company employees looking to liquidate their stakes.
Key Features:
– Live Pricing Charts: Track real-time bids and asks for each company.
– Flexibility: Accept listed prices, place bids, or negotiate directly with sellers.
– High Liquidity: 54% of accepted bids were approved in 2023.
4. eToro – Invest in Stocks, ETFs, Crypto, & More
Overall Rating: ⭐⭐⭐⭐
Minimum Investment: $10
While eToro is accessible to all investors, it’s particularly appealing to accredited investors due to its multi-asset platform. From stocks and ETFs to cryptocurrencies, eToro offers a wide range of investment options.
Key Features:
– CopyTrader: Follow top investors and mirror their trades.
– Educational Resources: Learn about trading strategies and market trends.
– Paper Trading: Test strategies without risking real money.
5. Yieldstreet – Invest in Real Estate, Art, VC, Crypto, & More
Overall Rating: ⭐⭐⭐⭐⭐
Minimum Investment: $15,000
Yieldstreet is a one-stop-shop for accredited investors seeking diversification. It offers access to real estate, art, private equity, and more, with target net returns ranging from 8 to 20% annually.
Key Features:
– Diverse Asset Classes: Choose from real estate, art, crypto, and private credit.
– Low Correlation: Less volatile than traditional investments.
– High Returns: Targeted returns outperform many other asset classes.
6. AcreTrader – Invest in Farmland
Overall Rating: ⭐⭐⭐⭐⭐
Minimum Investment: $10,000
Investing in farmland through AcreTrader offers a unique opportunity to profit from land appreciation and rental income. The platform sub-divides properties, making it more accessible for smaller investors.
Key Features:
– Low Fees: Competitive fees with potential for high returns.
– Proven Performance: Farmland has appreciated at 12.24% since 2000.
– Due Diligence: Rigorous vetting process ensures quality investments.
7. EquityMultiple – Invest in Commercial Real Estate
Overall Rating: ⭐⭐⭐
Minimum Investment: $5,000
EquityMultiple allows accredited investors to invest in commercial real estate through crowdfunding. With $4.4 billion in project value, the platform offers high-yield returns.
Key Features:
– Diverse Properties: Includes office buildings, retail spaces, and industrial properties.
– High Returns: Average historical returns of 17%.
– Low Minimums: Start investing with as little as $5,000.
8. DLP Capital – Invest in Private REITs and Real Estate-Focused Private Credit
Overall Rating: ⭐⭐⭐⭐
Minimum Investment: $200,000
DLP Capital is ideal for high-net-worth individuals looking to invest in real estate without owning property outright. With a proven track record and a focus on impact-based strategies, DLP offers a range of real estate funds.
Key Features:
– Impact Investing: Profit while contributing to societal good.
– Transparent Fees: 2.0% management fee with potential rebates.
– High Returns: Targeted annual net returns of 10-12%.
9. Vinovest – Invest in Fine Wine
Overall Rating: ⭐⭐⭐⭐
Minimum Investment: $1,000
Vinovest allows investors to build a wine portfolio with as little as $1,000. The platform handles authentication, storage, and sales, making it easy for even novice investors to participate.
Key Features:
– Easy Access: No expertise required to start investing.
– Secondary Market: Buy and sell bottles with other investors.
– Long-Term Growth: Ideal holding period of 10-15 years.
10. Arrived – Invest in Single Family Homes
Overall Rating: ⭐⭐⭐⭐
Minimum Investment: $100
Arrived is a crowdfunded real estate platform that allows both accredited and non-accredited investors to invest in single-family homes. With low minimums and quarterly dividends, it’s an attractive option for small investors.
Key Features:
– Low Entry Barriers: Start with as little as $100.
– Quarterly Dividends: Receive regular income from your investments.
– Growing Platform: Over $85 million in total investments as of 2023.
11. RealtyMogul – Invest in Commercial & Residential Real Estate
Overall Rating: ⭐⭐⭐⭐
Minimum Investment: $5,000
RealtyMogul offers a variety of commercial real estate investments through non-traded REITs. It’s an excellent option for accredited investors looking to diversify their portfolios.
Key Features:
– Income and Growth Funds: Choose between income-focused or growth-focused REITs.
– Low Minimums: Start with as little as $5,000.
– Diverse Assets: Invest in student housing, multifamily properties, and more.
Bonus: Managing Your Investments
For those looking to manage their portfolios effectively, consider platforms like Range Wealth Management and Fisher Investments Personal Wealth Management. These services offer personalized financial strategies, leveraging AI and human oversight to provide cost-effective wealth management solutions.
Final Word: Best Investments for Accredited Investors
As an accredited investor, you have access to a wide array of investment opportunities that can significantly enhance your portfolio. However, it’s crucial to approach these investments with caution and thorough research. While some platforms offer high returns, they also come with increased risks. Always consult with a financial advisor to ensure that your investment strategy aligns with your financial goals and risk tolerance.
In conclusion, the best accredited investor investments are those that offer diversification, potential for high returns, and alignment with your overall financial strategy. Whether you’re interested in private credit, fine art, or real estate, there’s an option that fits your investment style and objectives. By carefully selecting and managing your investments, you can unlock the full potential of your financial resources.
