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Liquidity vs Yield: What Investors Should Know Before Allocating to Private Credit
Asset allocation decisions often come down to one critical trade-off: how much liquidity am I willing to give up in exchange for yield? For years, traditional models assumed that highly liquid assets—such as public bonds and money market instruments—should anchor any income strategy. But shifting interest rate dynamics, market uncertainty, and the structural benefits of […]
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Understanding Duration Risk: Why Private Credit Isn’t the Same as Long Bonds
For decades, investors have relied on long-term bonds to stabilize portfolios and offset equity risk. The assumption was simple: while equities fluctuate, bonds provide predictable income and appreciate during market stress. Yet the last few rate cycles have shown that assumption no longer holds consistently. Long bonds, especially those with extended maturities, have proven highly […]
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Passive Income Without Public Market Risk: The Private Lending Advantage
For decades, public bonds were the go-to solution for generating retirement income and preserving capital. They were liquid, generally stable, and widely accepted as the “passive income allocation” of traditional portfolios. But that assumption has increasingly come under scrutiny—especially among high-net-worth investors seeking predictable yield without exposure to public market volatility. Over the last few […]
Read moreStep-by-Step: How to Add Private Lending to Your Retirement Portfolio
Retirement portfolios used to follow a familiar formula: equities during accumulation years, then a gradual shift to fixed income and cash as retirement approaches. But recent market cycles have shifted that paradigm. With bond yields in flux and market volatility persisting, more high-net-worth investors are exploring private credit retirement investing as a way to generate […]
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How Private Debt Fits Into a Barbell Strategy for High-Net-Worth Investors
When the market outlook is uncertain, sophisticated investors often turn to asset allocation techniques designed to protect capital while still capturing meaningful returns. One of the most enduring frameworks is the barbell strategy—allocating capital toward both low-risk assets and higher-return, higher-volatility assets while minimizing exposure to mid-risk investments that may neither protect capital nor generate […]
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