If youāve got the maximum shares so far youāll have 1949 from the first round, 995 from the second and 434 from the third. In this new round you can buy 259 if you use up the Ā£2000 allowance. The only question to answer is, do you think the price will go up from 7.71 or not. If the answer is yet then buy more.
For what itās worth, there is a version of the future where Monzo gets 10 times bigger. Thereās also a version where it all goes wrong. Iām betting on the former and am going all in again!
Donāt think that makes any difference to the decision now. It is just what other places can I invest the money and would they generate a higher return. Personally have great faith in Monzo and donāt see any other better investments out there.
Itās a shame that the growth slows down but equally my confidence has gone up. Itās the same with Brewdog. Those early investors got crazy returns and now the growth rate inevitably slows.
When I look at my portfolio of startups it looks more like a betting slip than an investment portfolio. In many respects Iām more comfortable with a less risky low return moving forward.
No rush at this stage, all the existing investors know theyāll be able to invest the maximum if they want. Wednesday is when it gets interesting for the rest of us
I did think it would be a lot more but itās almost Christmas and the shares are 3x the price of the last round. Also all the problem with COps waiting times at the moment make some wonder how theyāre going to scale.
I think itās about as expected for me. There were only around 7k total existing investors and not all are going to participate, especially when they see how many shares theyāll get compared to previous investments (shouldnāt have an impact, but I suspect it will - I was a little shocked how much the price has grown). Last round (late 2017) only had half investors take up their option to buy more. The interesting bit will come when anyone can invest, Iām really interested to see how much impact having it in-app will have - with notifications in peopleās feeds thatās going to reach a lot more people, however I guess most would be in the Ā£20-Ā£100 range.
Iām still skeptical they can reach Ā£20m, but even Ā£15m invested by existing customers would be great for building their brand loyalty I think - there is something about owning a piece of a company that makes people great ambassadors for it.
It would be really nice to see future Freetrade rounds done this way, without having to leave the app (even if crowdcube is used behind the scenes), or just to see existing freetrade shares within the app would be a nice touch I think either in profile or optionally in holdings.
I know that when the raise opens to the rest of monzo customers tomorrow they are limited to buy Ā£2000 worth of shares. That might be the case with existing investors too?
This has been a large consideration when I have considered how much to spend. Sadly, I normally spend a bit more during Christmas time just like most people and I have had to limit myself on my budget for tomorrow.
I agree with 
