Investing in or lending to early stage businesses involves a high level of risk, including illiquidity (inability to sell assets quickly or without substantial loss in value), lack of dividends, loss of capital and dilution risks and it should be done only as part of a diversified portfolio. Tax treatment depends on the individual circumstances of each investor and may be subject to change in the future. Your capital is at risk. Any projected returns or estimated returns provided are by platforms, and or offerings, and not by Newchip. Figures provided also may not take into account platform fees, Newchip fees, or expected losses.