New York

MANY investors may have fantasised about those "if only" investments. If only I had invested in Peloton. Or Uber. Or Lyft.

For most people, though, that's not possible - and not just because they don't have a million dollars to drop on a billion-dollar idea. Under current law, only individuals with at least US$200,000 in annual income or US$1 million in assets (outside of their home) are "accredited investors", or those qualified to invest in private securities.