How the Retirement Mortgage works

Basic Capital increases your participation in financial markets

Access to credit to buy productive assets has been the foundation of wealth building in America for over a century. We’ve done it for cars, for education and for homes. Now, we’re doing it for long-term investing. Today's markets reward those who can participate in them meaningfully. Basic Capital creates access to financing for productive assets, compounding wealth on a larger base.

Wealth building starts with more investing power

We've redesigned how long-term investing works. For every dollar you contribute, we invest $4 alongside you, giving you $5 of investing power from day one.

Compounding multiplies what you start with. The more you start with, the more it multiplies.

Long-duration financing for your portfolio

A mortgage lets you own a $500,000 home with $100,000 down. We do the same thing for your retirement portfolio.

For every dollar you contribute, we invest $4 alongside you. Your returns cover the cost of financing, and the spread is yours to keep. More capital, compounding longer, means more at retirement.

Build from stocks, bonds, or a broader mix of eligible assets.

Built in protection, no margin calls

When you contribute, your money is invested through a Limited Liability Company wholly owned by you. Your exposure is limited to what you contribute. Everything else is protected.

Our financing is designed for the long term. No margin calls, no minimum equity requirements.

We've taken the time-tested concept of financing assets, and rebuilt it as a modern investing experience.

Invest for growth, income, or both

Choose from broad market stock index funds, professionally managed fixed income, and a growing lineup of eligible assets, all in a single account. As you contribute over time, your allocation grows and compounds on an expanding base.

More investing power for long-term investors

Basic Capital combines the power of long-term financing with professionally managed, diversified funds that capture the growth and dynamism of today’s economy.