The retail investment landscape has changed drastically over the past 10 years. The emergence of robo-advisors and low-cost trading apps, meant that basic barriers to investment, such as high costs and lack of access, have been reduced drastically. However, retail investors are still at a disadvantage and the next wave of startups is looking to go further. These businesses are aiming to provide retail investors with the same level of information, access or networks that professional investors have.
As avid retail investors ourselves, we love keeping an eye out for emerging technology and startups and we’re especially excited about companies that, like us, share a passion for making investment more accessible to all. For this article, we chatted to the founders of a few of our favourite up-and-coming UK startups looking to democratise the world of investing. Read on to find out about how these businesses are bringing new opportunities to the masses and are helping you to be a smarter and better investor.
Zash is a social network for investing. It is making investing a social experience for the new, curious and confused investor. Users will be able to seamlessly invest with friends, family and "fin-fluencers" they follow. Its vision is to build Europe's leading social finance super-app.
Zash is backed by startup incubator Entrepreneur First with advisors such as the former CFO of Revolut. The company aims to redesign the retail investing experience from ground up and make it delightful and social.
“Investing really sucks for new retail investors. Coming from a risk averse, Indian family I made my first investment far later than I should have and it was via a friend, not an advisor or reading Bloomberg. New investors not in the “right” type of environment are often frozen with confusion, anxiety and fear. I believe this is one of the largest social mobility challenges today. The better we can tackle this, the better we can close the wealth gap for millions around the world." - Parit Patel, co-founder of Zash
Juno is a financial education platform for women, on a mission to arm women everywhere with the confidence, clarity and control they need to live up to their financial potential.
Whereas Koia is looking to open up access to new asset classes, Juno is solving a problem that needs to be addressed simultaneously: getting more people to invest in the first place. Many people don’t invest at all, be it in traditional or alternative investments, even if they have the means to do so. The problem is particularly bad for women, which is what Juno is aiming to tackle through engaging online content and education.
“The gender income gap is often talked about, but the gender wealth and investment gap gets overlooked. As many as 70% of women keep their money in cash or uninvested. Women at every income level have less wealth than men- by a lot. Learning the language of financial literacy should be as simple as learning French on Duolingo, and even more fun.” - Margot de Broglie, co-founder of Juno.
With backgrounds as professional investors, the Stratiphy founders are on a mission to bring the level of data and insights they had while working in finance, to the everyday investor. Via the Stratipy app, users will be able to perform custom analyses, get notifications, see historical performance of several investment strategies and create and compare multiple bespoke scenarios.
“There is a huge informational gap between retail investors and professional investors. Retail investors don’t have access to the same tools professional investors have. Our goal is to level the playing field and equip retail investors to grow their wealth sustainably.” - Nikki Hawkes, co-founder of Stratiphy
Like the other startups on this list, Kontinuous is opening up new opportunities for investors. At the same time, Kontinuous is providing opportunities to those looking for investment.
Kontinuous is enabling businesses to raise funds from their customers and community, continuously. Via a simple integration, businesses looking for capital will be able to let their customers permisionessly invest from their website, with a click of a button. As with regular crowdfunding campaigns, investors receive an equity stake in return for their investment.
“As an entrepreneur, one of my biggest frustrations is how much time we spend fundraising. Time that could be spent on building our product and serving our customers. Crowdfunding and venture capital are helpful, but with each funding round only providing capital for a year, it’s a never-ending cycle. Think of us as the next evolution in fundraising, built by founders for founders.” Ross Murray-Jones, co-founder of Kontinuous.
Koia provides access to alternative investments, which were previously only accessible to the ultra-wealthy. By fractionalising high-value collectibles, such as fine wine and luxury watches, investors can invest in alternatives with any budget. What’s more, Koia takes care of sourcing, storage and insurance, removing significant barriers to entry.
“We believe that every investor should be able to invest in what they know and love. We envision that in the future, buying and selling a fraction of a Rolex or case of fine wine will be as easy as buying a fractional share in Apple. Ultimately we want to bring new opportunities to retail investors and break down barriers to wealth creation” Iris ten Teije, co-founder Koia
At Koia, we allow you to start investing in tangible assets for as little as £50, via fractional ownership. Our experts make sure to source and buy the best assets, and we take care of authentication, storage and insurance. All of the benefits, with none of the hassle.
The articles and information made available on Koia are provided for information and educational purposes only and do not constitute financial advice. You are advised to consult with an independent financial advisor for advice on your specific circumstances.