why do you need to be accredited to invest in complex financial products 
accredited investors hear pitches for investments that are not regulated by the government and are not subject to the same disclosure rules that public companies are required to follow the regulators want to be certain that participants in these highly risky and complex investments can fend for themselves and judge the risks in the absence of government protection the bottom linethe accredited investor rules are designed to protect potential investors with limited financial knowledge from risky ventures and losses they may be ill equipped to withstand on the flip side it gives people who already have substantial financial assets a major advantage over those with more modest assets 