Sunday, November 19, 2017

Baby Boomer Entrepreneurs Are Solid Investment Opportunities

By Laura Reed


When enterprising seniors, seeking money to start a new business, meet with financial investors, those lenders have a lot of questions. They will not say so, but they are considering the senior's age and ability to repay any loan. Bankers sometimes have prejudices when it comes to the ability of older citizens to compete in a global marketplace. These lenders often underestimate baby boomer entrepreneurs and their commitment.

First of all they have a lifetime of experience. The business they want to start may not be at all related to what they did in their first careers, but seniors can take the knowledge from one enterprise and apply it to a new one. Even though they may be older, most of them are not afraid of putting in the effort necessary to succeed at their latest venture.

There are plenty of seniors who anticipated the day they were old enough to retire for years before it became a reality. Not all of them were expecting the boredom that can set in after the first few months when they have nowhere to go and nothing stimulating to do however. Getting back in the labor force begins to look better, as long as they can do something they love and in a way that suits them.

Before they begin a business venture, they think it through. Seniors will be realistic about what they can achieve and are glad for any success. They tend to have short term goals instead on long range plans. Most boomers care more about going into a line of work that involves something they are passionate about than making a lot of money.

Money is important to boomers, and some of them are faced with not enough money to get them through the last part of life. For these people going back to work may be a necessity. Others are more concerned with the quality of their life and getting back the sense of accomplishment they felt before retirement.

Senior entrepreneurs have other advantages. They aren't raising children who get sick, have recitals, and get into trouble that takes their parents away from their jobs for extended periods of time. Boomers are over all that. They can spend all day on a project and be ready to start in again the next day. These are individuals who can stay focused on the business at hand.

Boomers are more likely to understand and appreciate the concerns of investors than younger entrepreneurs. They have already experienced managing big budgets, repaying loans, creating business plans, and participating in quarterly reviews. This not something a lender or investment banker will have to explain to them. Senior business owners don't take as much for granted as younger business people.

Not all boomers are interested in starting new businesses after retiring. Some are content to putter in their gardens or travel the world. Many do have commercially viable ideas and interests however, that they finally have time to explore.




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