This particular token is a funding type of platform that brings Angel investing to those with lower income levels. Traditionally, investors who do not meet very high funding criteria are excluded from these types of platforms.
However, with a Swarm investment, they can gain access to investment vehicles they would not traditionally have access to without the intrusive requirements imposed by governments in a traditional financial space.
Investors can use SWM to gain access to various funds or startup projects that they would like to participate in. Projects on the platform and the individuals behind them are given a rating, and participants can use this to gauge what the success rate of the new project might be.
The platform itself then collects the funds, processes any legal work, tokenizes the asset and distribute payments to investors via SUN tokens. These assets can then be reinvested in new projects or cashed out at the discretion of the network's participants. It's likely that new blockchain based financial projects will be a huge boon in the near future and SWM seems to have landed on a gold mine of opportunity.
For those looking to buy Swarm, the choices will be a little thin. They currently only have a few listings, and you may need to make some alternative exchange accounts in order to make a purchase here. There are a few trading pairs including the Bancor Token, Etheruem and Bitcoin, but investors should be careful as the liquidity is not spread very evenly. You should check the prices for each pairing carefully to make sure you're paying the true market price and not an inflated price per token.
This is an Ethereum based asset. Investors will need to find a reputable ERC20 token wallet in order to store their funds safely. The choice you make will largely be a matter of opinion, but watch out for the wallet which may not be legitimate. It's usually best to go to the project's website or to get recommendations from others in the space to make sure the wallet you download is safe. There are fake ones running around, especially in the app store. You might consider using Meta Mask, it's a reputable browser-based wallet for these kinds of tokens.