jeudi 16 novembre 2017

Making An Investment In Baby Boomer Entrepreneurs Can Be A Good Business Move

By Laura Reed


Seniors, who want to go into business for themselves, face a lot of hurdles. If they need venture capital, the lenders they contact are often reluctant to offer assistance. They sometimes question the retiree's age and stamina. Bankers may believe that the global marketplace is too competitive for seniors, and they worry they won't get their investment back before the senior is permanently out of the picture. Underestimating baby boomer entrepreneurs however, can result in missed opportunities.

Investing in boomers can be a very good idea. They have decades of experience under their belts and may be well suited to all kinds of new careers. Even if the senior is interested in branching into a new area, it is not difficult to apply the knowledge learned from previous enterprises to new ones. Boomers understand the value of hard work. Unlike the younger generation, these people remember life without computers and cell phones.

A lot of boomers looked forward to retirement. They loved the idea of plenty of extra time to do whatever they wanted. Many of these same seniors looked around after a few months and decided they were going to die of boredom if they didn't find something useful and mentally engaging to do. They want to get out of the house and back into the workforce, on their own terms.

Boomers, who are thinking about starting a business, tend to be more realistic than younger entrepreneurs. They have seen other business owners come and go and have formed opinions about what works and what doesn't. Seniors are able to set short term goals and tend to be realistic about achieving them. Most have nest eggs, paid off mortgages, and grown children. They may not be as reliant on a paycheck as their young counterparts.

Some seniors have found that retiring means downsizing and budgeting in areas where they never had to before. These older individuals may feel some pressure to bring in extra money. Others just want to feel a sense of accomplishment and self-worth. They are less concerned about the paycheck than the excitement.

Potential investors should consider the fact that boomers don't have the distractions that younger entrepreneurs often face. Seniors have already raised their families and been through all the childhood ailments and problems that keep young parents away from work. Boomers are ready to focus on the job at hand without having to worry about children and house payments.

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.

Some seniors would shudder at the idea to returning to the workforce. They feel they have earned the right to sleep late and putter in their gardens or catch planes flying to the far corners of the earth. Another segment of this group loves the challenge of creating a viable business that stimulates their creativity.




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