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by fringedgentian 4828 days ago
If it is a non-publicly traded company, then you have no access to your investment. You wait and hope for two things to happen: 1. the company increases in value, or at least doesn't go bankrupt 2. you get an opportunity to sell your stock and get your money out. This can happen when it goes public or if they make some deal to sell part of their company to another company, but regardless you have no control over it and it's not something that happens quickly or frequently. Likely years.

I think 20% off is not a good enough bargain for you to take on that level of risk, with no savings and a family.