Ndubuisi 'Andy' EgwimMoney Coach for Medics|Ex-NHS GP|21+ Yrs Investor| Founder, MoneyWiseDoctor.com|Helping Medics Avoid Big Money Mistakes

Investing for Beginners: Why Startups Are a TERRIBLE Idea!

19 May 2025 · 1 min

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A short YouTube excerpt (speaker Ndubuisi 'Andy' Egwim) advising beginner investors to avoid startup investments because of high failure rates, limited invitation-only access, and accreditation requirements. The speaker explains that many startup deals are private/off-market and notes accreditation thresholds (mentions ~US $1,000,000 net worth or $250,000 annual income; UK threshold cited roughly £100,000) as reasons these investments aren't government-protected.

Questions this video answers

Approximately $1,000,000 (speaker phrased it as 'a million or thereabouts').

Approximately $250,000 (speaker said 'or 250,000 income in the last year').

Roughly £100,000 (speaker said 'the UK zone is around 100k or something').

Chapters

Do you want me to be blunt? It's not a good idea for a starter if you're just investing, you're just starting your journey. Why? Because startups have high failure rates and also the ones I've invested in, it wasn't there in the open market, it was invitationally. They invited me to invest. Yeah, they invited me. It's sort of like a bit of a network thing and someone. You can then invite someone, basically. And then thirdly, you have to be an accredited investor. So you've got to be an accredited investor means that one, you earn enough money or you have enough assets that you're saying the government doesn't have to look after you. So those startup investments are not FCA covered. A lot of times they are off road. Imagine you are driving off road. So the government is trying to say, I think in the US is a million or thereabouts, you have end or if you've got a million asset or 250,000 income in the last year, the UK zone is around 100k or something.