If you've already got a 401k or IRA for retirement, you should definitely keep funding these! Where Raise Investment differentiates is that we provide you with an initial, large investment to jumpstart compound returns from day one. A 401(k) or IRA is a great long-term retirement vehicle, but contributions are capped each year and your growth starts from whatever balance you’ve built so far. Raise takes a different approach:
We front the investment using capital from our partners so you start with a larger position on day one.
You pay a flat monthly membership instead of a percentage-based management fee.
You keep 100% of the gains; we return the advanced principal to our partners when you exit.
Many members see Raise as a complement to — not a replacement for — their existing retirement accounts. By running alongside a 401(k) or IRA, it can give you more market exposure now while your retirement savings continue to grow for the future.
Bottom line: Raise Investment is a great compliment to a retirement account, but it isn't intended to outright replace them, or compete with them.