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Types of Investments: Is Your Capital Returnable? Always Check!

Not all investments guarantee you’ll get your principal back. Here are common categories:

• Returnable Capital (Redeemable):

  • 
    Stocks & Bonds: You own shares or debt instruments you can sell on secondary markets.

  • 
    Crowdlending: Loans repaid with interest—principal return is contractually agreed.

• 
  Non-Returnable or Riskier Capital:

  • 
    Equity in Early-Stage Startups: No guaranteed liquidity event; you may never recover your stake.
    
    

  • Donation-Based Crowdfunding: Contributions are gifts; no repayment or equity stake.

  • 
    Collectibles & Art: Value depends on resale demand; no formal market or guaranteed exit.

Before investing, confirm whether and when you can retrieve your capital—and factor that into your risk assessment and liquidity planning.