— Your Investor Classification Result —
You Are a Retail Investor. Now Let's Level Up.
Level 02 · Retail Investor
● Level 1 — Average North American
Level 2 — Retail Investor
Level 3 — Sophisticated
Level 4 — Accredited
Level 5 — Angel Investor
You Are Already Investing. The Next Step Is Investing Smarter.
Retail investors hold $25,000 to $100,000 primarily in publicly traded assets such as stocks, ETFs, mutual funds, or public REITs. You understand how markets work and you are already putting your money to work.
The gap between where you are now and the next level is not about working harder. It is about gaining access. Private real estate deals, syndications, and partnerships are generating returns above 20% ROI for investors who have made the move beyond public markets.
Your next milestone is growing toward $100,000 in investable assets with at least 25% allocated to real estate. That is the bridge to Sophisticated Investor status and the deals that come with it.
Tools We Recommend
Platforms Built for Investors at Your Level
These tools help retail investors grow their portfolio, explore private real estate, and start building toward the capital needed to access higher-tier deals.
Fundrise
Fundrise is a self-directed private real estate platform open to all US investors. You select your investment strategy and Fundrise deploys your capital into private commercial and residential real estate funds. Average annual income return of 4.81% across all client accounts from 2018 to 2024 (net of fees). 2024 return was 5.75%. Over $3.3 billion AUM and $7 billion in total asset transaction value. SEC-qualified. No financial advisor involved.
RealtyMogul
RealtyMogul is a self-directed real estate crowdfunding platform offering two public non-traded REITs open to non-accredited investors: the Income REIT and the Apartment Growth REIT. Over 212,000 investors and more than $3.1 billion in financed properties. Management fees of 1% to 1.25%. Private placements require Accredited status. SEC-registered. No financial advisor involved.
M1 Finance
M1 Finance is a self-directed brokerage, explicitly not a robo-advisor, where you build custom portfolios of stocks and ETFs called pies. You choose your allocations and M1 handles automatic rebalancing. Commission-free trades on stocks and ETFs. FINRA and SIPC member. Over $12 billion AUM as of 2025. Over 1 million users. No financial advisors on the platform.
— Level Up —
Articles To Help You Climb The Ladder
These resources were picked specifically for retail investors who are ready to understand what comes next.
When Do Trump Accounts Start? Claim $1,000 Seed Money for Your Child’s Financial Future in 2026
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You're Already Investing
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Take our free Investor Qualification Assessment to confirm your current level, unlock resources tailored to where you are, and map out exactly what it takes to reach the next tier.