FREQUENTLY ASKED QUESTIONS

More Questions?Contact us at 855-427-6527.

About Aegis Financial

What investment product does Aegis offer?

Aegis offers a unique, patent pending investment vehicle that combines guaranteed returns of 3-5% along with quick and easy access to your cash. Click here to learn more about our product.


How is my rate of return determined?

Your return is based on your total account balance. Returns range from 3% for account balances of $20,000 to 5% for account balances of $250,000 or more. Click here to see our rates.


How is your product different from other real estate investments such as a REIT?

Aegis owns, operates, and invests in income-producing real estate and real estate-backed securities, which produce consistent income to Aegis allowing us to offer a guaranteed return to investors. While your investment is secured by real estate, your return is not tied directly to the performance of such real estate assets. Rather, your return is fixed and guaranteed, like that of a savings account or CD. Investors enjoy the benefits of a real estate portfolio without the risk or exposure.


How is your product different from traditional savings and time deposit accounts?

First, we are not a bank nor do we offer any banking products or services. That said, with yields of 3 to 5%, Aegis provides a much higher rate of return than is traditionally offered by bank savings accounts. Also, unlike a CD, there is no minimum investment term; funds are accessible for withdrawal at anytime without any fees or penalties.


How do your returns compare to today's savings account rates?

Our returns of 3 - 5% are significantly higher than those of traditional savings accounts. While savings rates can vary and often change, the average yield is generally less than 1%.


Is Aegis insured by the FDIC?

No. Aegis Financial is not a federally insured financial institution. We are a private real estate portfolio and investment firm. As an investor, you have a liquidation preference to the assets of Aegis, including any real estate in our portfolio, up to 100% of your investment. The actual security offered by Aegis is a limited liability company "Preferred Return Unit" (PRU).


What is a Preferred Return Unit (PRU)?

"PRU" stands for "Preferred Return Unit" and represents the security issued to the investor (or "PRU Holder") upon investment. Each "PRU" is set at $1.00 and will not increase or decrease in value. As such, a $50,000 investment, for example, would equate to the purchase of 50,000 PRU's.


How else is my investment protected?

In addition to a liquidation preference to 100% of the real estate and real estate-backed securities in the Aegis portfolio, your investments are also bonded and safeguarded through various insurance policies, ensuring the liquidity of your investment at all times. Additionally, all investor funds are administered by an independent accounting firm through a trust account.


Who is eligible to invest in Aegis?

Only accredited investors may invest in Aegis, which means that you must meet certain thresholds as defined by the Securities and Exchange Commission. As an individual investor, you must have an annual income per individual of over $200,000 per year ($300,000 per couple) with the expectation of that continuing, or a net worth of more than $1 million, excluding the value of a primary residence. For additional information on who qualifies as an accredited investor, including how an LLC, corporation, or trust can qualify, see http://www.sec.gov/answers/rule506.htm.

Account Features & Functions

How do I open an account?

Opening an account is quick and easy and can be done through our secure website. Click here to get started. You'll need to have the following information available:

  • Personal information such as address, telephone number, email address, etc.
  • Social Security number

Once you've completed the online form, an Aegis Financial customer service representative will contact you to confirm your information and help you complete the process. Remember that only accredited investors may open an Aegis account.


How do I fund my account?

You can begin investing once your account is active. Login to your approved online account and follow the instructions provided to initiate the investment process.


Is there a minimum required balance?

Yes. You must maintain a minimum investment of at least $20,000.


When will my funds become available upon deposit?

Funds are available once your funds are transmitted by your financial institution, which would typically be anywhere from 3 to 6 business days from the day your completed investment documents are received.


When does the fixed return begin to accrue to my account?

The fixed return (calculated on a daily basis) will begin to accrue once funds have been actually received by Aegis.


How do I invest additional funds?

Online access makes account management easy. Simply login to your account and follow the same steps you completed when making your initial investment. You may be required to re-affirm certain information that you previously provided to Aegis when making subsequent investments.


How do I withdraw funds from my account?

Disbursements are available by check or ACH, at your preference, and can be completed through your online account. Simply login to your account to initiate the transaction. Your disbursement request redeems the number of PRUS's owned by you equal to the amount of your funds request. As a result, the number of PRUs owned by you following the disbursement would be reduced accordingly.


How quickly are funds disbursed upon request?

Disbursements are normally processed within 24 hours of the request. How quickly you actually receive your funds will be dependent upon your account preferences. ACH disbursements are generally available within 48 hours. Disbursements received by mail may take 5 to 7 business days.


How are returns paid?

Based on your preference, your fixed return is paid monthly by check, ACH, or through the automatic reinvestment of funds back into your account, which is the equivalent of the purchase of additional PRUs.


Are there limits on my daily investments or withdrawals?

Aegis does not limit the amount you may invest nor are there limits on the amount you may withdraw as long as a minimum invested balance of $20,000 is maintained.


Are there any monthly fees or charges associated with withdrawals?

No. Aegis imposes no fees on its investors. Invest and withdraw funds as often as you wish free of charge.


Are there any "early withdrawal" penalties?

No. Aegis prides itself on liquidity for its investors. The entirety of your funds is available at all times with no fees or penalties for withdrawal.

Legal Information

Who is Aegis Financial?

Aegis Financial LLC is a private real estate investment and management company located in Ruston, LA.


Where are Aegis investor funds deposited?

All funds invested with Aegis are deposited into an FDIC-insured bank account at First National Bank Ruston, LA. All investor funds and transactions associated with the account are monitored by an independent accounting firm.


How do you keep my personal information secure?

In order to protect your personal information, we use 128-bit encryption whenever you visit our website. This is the same level of encryption used by top national banks. For added protection, we automatically log you out of your account after 15 minutes of inactivity.


Why is Aegis limited to Accredited Investors?

Under the Securities Act of 1933, as amended, a company that offers or sells its securities must register the securities with the SEC or find an exemption from the registration requirements. The '33 Act provides issuers with a number of exemptions from the registration requirements, including the exemption relied upon by Aegis; however, in order for Aegis to comply with conditions for usage of this exemption, we are required to offer and sell our securities only to accredited investors.