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The Acceleration Of AI Progress With Ben Miller, CEO of Fundrise

August 8, 2025
in Personal Finance
0
Home Personal Finance


On the most recent episode of the Monetary Samurai podcast, I sat down with Ben Miller, cofounder and CEO of Fundrise, for a deep dive into synthetic intelligence, enterprise capital, and what it actually takes to get into the perfect personal firm offers.

Ben was in San Francisco this summer season visiting varied portfolio corporations and making an attempt to make new investments. We additionally caught up over lunch in Cole Valley.

As somebody with over $350,000 invested in Fundrise Enterprise, I’m thrilled to talk with Ben about what he’s seeing within the AI and personal firm house. Since Fundrise has lengthy been a sponsor of Monetary Samurai, I’m lucky to get common one-on-one time with him. Once you make investments a major quantity of capital, it’s at all times clever to conduct due diligence straight with the particular person in cost.

I strongly imagine AI is the following main long-term funding development pattern. Since I will not be becoming a member of a fast-growing AI startup, I would like as a lot publicity to the house as I can comfortably tackle. My personal AI investments span from Collection Seed to late stage (Collection E and past), and I additionally personal particular person positions in the entire Magnificent 7 corporations.

As at all times, do your individual due diligence and allocate property appropriately because of the threat concerned. Investing in personal corporations is usually riskier than investing in older, publicly traded corporations. I at present have about 15% of my total investments in enterprise capital and enterprise debt, with a goal vary of 10%–20%.

Right here’s a quick recap of our dialogue, however the full episode has all of the nuance you gained’t need to miss.

The State of AI: A number of Winners Accelerating

We began with AI’s development trajectory. The most important gamers—like Anthropic—aren’t simply increasing, they’re accelerating their income development.

I floated the concept AI would possibly ultimately grow to be commoditized. Ben disagreed, arguing that the leaders are persevering with to distinguish, pulling additional forward with higher merchandise, stronger expertise, and deeper moats.

It looks as if with all of the great AI CAPEX spend, the market is sufficiently big for a number of winners.

Enterprise Fund Focus and the Energy of Massive Bets

We mentioned how a lot focus is each wholesome and required in a enterprise fund. Rules state that fifty% of the fund have to be unfold throughout not less than two corporations, and the opposite 50% have to be invested in not less than 10 corporations for a complete of 12 corporations minimal.

At present, about half of the Fundrise Innovation Fund is invested in simply three corporations: OpenAI, Anthropic, and Databricks. This sort of focus is greater threat, however whenever you choose the fitting horses in a transformative sector like AI, the rewards will be monumental.

As the good hedge fund investor Stanley Drukenmiller stated, “In case you take a look at all the good traders which are as totally different as Warren Buffett, Carl Icahn, Ken Lagoon, they have a tendency to take very, very, concentrated bets. They see one thing, they see it, they usually guess the ranch on it. The error I’d say 98% of cash managers and people make is that they really feel like they obtained to be taking part in in a bunch of stuff. And in the event you actually see it, put all of your eggs in a single basket after which watch the basket very rigorously.”

We talked in regards to the deliberate evolution of the Innovation Fund’s holding composition going ahead, the holding intervals of those corporations, and methods for locating the following winners. The Innovation Fund additionally owns Canva, Vanta, dbt Labs, Ramp, Anyscale, Inspectify, and extra.

Fundrise Innovation Fund portfolio composition of holdings by percentage
Supply: Display screen shot from Ben Miller’s interview on CNBC in July 2025 speaking about democratizing entry to non-public, pre-IPO corporations

Rethinking Valuation: Progress-Adjusted Metrics

Valuation got here subsequent. Ben launched the Progress-Adjusted Income A number of as a greater lens for assessing fast-growing corporations—just like the worth/earnings-to-growth (PEG) ratio for public shares.

If we’re really nonetheless within the early innings of AI, it makes extra sense to worth corporations based mostly on each their income development and scale, somewhat than conventional multiples alone.

It looks as if traders could also be underestimating how briskly AI is definitely rising, based mostly on a dialogue Ben had with an funding banker at Goldman Sacs who prompt modeling a 30% development price as an alternative.

We additionally touched on the Baumol Impact—how rising labor prices in low-productivity sectors can speed up know-how adoption. In different phrases, when wages rise sooner than productiveness, companies have extra incentive to undertake AI to shut that hole.

AI CAPEX from Meta, Google, Microsoft, and Amazon
You need to put money into corporations who can be beneficiaries of those mega capital expenditure plans

Competing for the Finest Personal Progress Offers

From there, we moved to one of many hardest challenges in investing: entry. For my part, making an attempt to safe a significant IPO allocation in a sizzling deal is an train in futility. I’d a lot somewhat put money into promising corporations earlier than they go public.

Utilizing the Figma IPO for example, Ben illustrated simply how troublesome it’s to get a considerable allocation—even for well-connected traders. Figma was a reputation Fundrise did not put money into, regardless of being a buyer.

The Innovation Fund’s means to put money into the highest six of CNBC’s prime 50 Disruptor corporations isn’t any accident. It’s the results of intentionally reverse-engineering the method to establish winners early, then discovering a means in.

CNBC Disruptor 50 list

Fundrise’s Important Worth Proposition To Personal Firms

One distinctive aggressive benefit Fundrise has is its means to mobilize over one million of its customers to unfold consciousness a couple of portfolio firm’s product. Past visibility, Fundrise can actively drive development—equivalent to selling Ramp, a company card firm just lately valued at $22 billion. This creates a robust loop of adoption, development, and valuation good points that goes far past merely writing a test or making introductions.

After all, having prime enterprise capitalists on the cap desk nonetheless issues. Their connections and experience are worthwhile. However I particularly like that Fundrise is a personal firm itself, typically utilizing the very merchandise it invests in (Ramp, Inspectify, Anthropic, dbt Labs, and so on). This hands-on involvement may end up in deeper due diligence than conventional VCs sometimes carry out. And when Fundrise also can assist drive enterprise to these portfolio corporations, that’s an unlimited worth add any personal firm CEO would need.

For these causes, I’m bullish on Fundrise’s means to maintain backing a few of the most promising corporations within the years forward.

The World AI Race: China vs. the U.S.

We wrapped by discussing the distinction in international attitudes towards AI. China is transferring ahead aggressively and optimistically, whereas the U.S. typically takes a extra cautious, regulatory-heavy method.

For me, this solely reinforces the necessity to keep publicity. I don’t need to look again in 20 years and surprise why I sat on the sidelines in the course of the largest technological shift of our lifetimes.

If you wish to hear the total dialog—together with deeper dives into valuation metrics, enterprise fund methods, and the sensible realities of competing for elite offers—you may take heed to the episode under.

It’s also possible to hear by subscribing to my Apple or Spotify podcast channels. In case you’re a enterprise capital investor, I might love to listen to from you. What are you seeing and what are a few of your favourite investments?

Put money into Personal Progress Firms

Firms are staying personal longer, which suggests extra good points go to early personal traders somewhat than the general public. Consequently, it is solely logical to allocate a higher portion of your funding capital to non-public corporations. In case you don’t need to battle within the IPO “Starvation Video games” for scraps, contemplate Fundrise Enterprise.

About 80% of the Fundrise enterprise portfolio is in synthetic intelligence, an space I’m extraordinarily bullish on. In 20 years, I don’t need my children asking why I ignored AI when it was nonetheless early.

The funding minimal is simply $10, in contrast with $100,000+ for many conventional enterprise funds (in the event you may even get in). It’s also possible to see precisely what the fund holds earlier than you make investments, and also you don’t should be an accredited investor.

Ben Miller, CEO of Fundrise, visiting Sam Dogen for lunch in San Francisco Summer 2025
Lunch at Zazie in Cole Valley, San Francisco 7/2025

Subscribe To Monetary Samurai 

Decide up a replica of my USA TODAY nationwide bestseller, Millionaire Milestones: Easy Steps to Seven Figures. I’ve distilled over 30 years of economic expertise that will help you construct extra wealth than 94% of the inhabitants—and break away sooner.

To expedite your journey to monetary freedom, be a part of over 60,000 others and subscribe to the free Monetary Samurai publication. Monetary Samurai is among the many largest independently-owned private finance web sites, established in 2009. All the pieces is written based mostly on firsthand expertise and experience.

To Your Monetary Freedom,

Sam



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