How it works

Basic Capital is a new retirement savings product that enables you to compound wealth on a larger base of capital

Down payment

To use Basic Capital, you start with an initial contribution that acts like a down payment would in a mortgage.

Financing

Like with a mortgage, you get additional buying power when you use Basic Capital.

For every $1 you contribute to your Basic Capital account, you get $4 in supplemental funds through financing.

Gains

Your Basic Capital account generates investment gains on the entire base of capital (your down payment plus financing) resulting in more compounding.

These gains come from a portfolio passively invested in high-quality bond ETFs and stock ETFs, including the S&P500.

The gains go to pay down the financing over time, so you don’t have to.

Protection

Basic Capital uses a limited liability company (LLC) structure to protect you and your assets.

This means your credit check is not required or impacted, and your risk is limited to your contribution—nothing more.

Gains

Financing

Down payment

Protection

End-to-end

Manage your Basic Capital form one place. Basic Capital is an end‑to‑end solution that handles everything from IRA opening, to LLC formation, to financing and investing. You can access it all from our mobile application.