"retail investors" normally refers to individuals at home and T+2 doesn't affect them because they have margin accounts.
The only limitation is that if you day trade, you'll need $25k in your margin account. If you don't day trade or you have $25k, you can withdraw $0.01 a few milliseconds after selling $0.01 in shares
You can use that, but there are pretty well understood terms in finance already (like retail investors), and probably best to use the standard if you want to be well understood.
The only limitation is that if you day trade, you'll need $25k in your margin account. If you don't day trade or you have $25k, you can withdraw $0.01 a few milliseconds after selling $0.01 in shares