How Accredited Investors Can Beat Inflation Without Taking on Equity Risk

Inflation eats away at your wealth quietly—but steadily. Over time, it erodes the value of your savings, your purchasing power, and yes, your long-term financial confidence. And in 2025, inflation is still top of mind for investors who are tired of seeing real returns disappear.

So what do most do? They load up on stocks, high-growth funds, or private equity, chasing yield in riskier places.

But there’s another way—one that doesn’t involve riding out market swings or gambling on equity-based exits.

At LBC Capital Income Fund, LLC, we help accredited investors protect their capital and outpace inflation using a conservative debt fund model—designed for stability, not speculation.

Why Equities Alone Don’t Cut It

Equities have their place, no doubt. But they also come with baggage: volatility, emotional decision-making, long holding periods, and unpredictable outcomes. When the market turns (as it has repeatedly in recent years), portfolios built purely on growth start to show cracks.

More importantly, many equity-based investments delay income. You’re often locked in for 5–10 years, waiting for a liquidity event or “planned” exit that may or may not happen on time—or at all.

And meanwhile, inflation doesn’t wait.

The Inflation Challenge in 2025

Even as headline inflation cools, core prices are sticky. Healthcare, insurance, services, and housing costs keep rising. According to recent reports, real inflation-adjusted yields on many bond portfolios still hover around zero—or worse.

For high-net-worth investors looking for real, inflation-beating returns, the traditional playbook isn’t working like it used to.

That’s where private debt comes in.

Why Private Debt Funds Offer a Smarter Hedge

Debt funds—especially those built on first-lien real estate loans—are uniquely positioned to offer strong income with reduced volatility. At LBC Capital Income Fund, LLC, we’ve structured our fund to deliver exactly that.

Here’s how:

• We lend short-term capital, secured by real estate
• We underwrite conservatively—no leverage, no high LTVs
• We collect interest monthly and pass that income on to investors
• We distribute 8%–8.5% annual returns, directly to investor accounts

That income is real, predictable, and not tied to stock performance or economic “ifs.”

And because we don’t speculate on property appreciation or time equity exits, our model keeps risk tight and income flowing.

The Real Math: Keeping Up with Inflation

Let’s say inflation is running around 3–4% per year—sometimes higher, depending on the basket of goods you actually spend on.

A traditional savings account yielding 1–2%? Losing ground. A stock portfolio with a negative year? Even worse. Bond ladders offering 4–5% might barely break even after fees and taxes.

But an income-focused debt fund offering 8%+ with low volatility? Now that’s a cushion that keeps your purchasing power intact—and grows it over time.

When structured well, passive income compounds and builds a reliable cash flow buffer that inflation simply can’t touch.

Who This Works Best For

This isn’t about replacing equities altogether—but for accredited investors who:

• Want income now, not promises down the line
• Need a hedge that works regardless of stock market movement
• Are building toward retirement or living on distributions
• Value capital preservation as much as return

…this strategy offers something many others don’t: peace of mind and performance, side by side.

Make Your Capital Work Smarter

Beating inflation doesn’t require risky bets or market timing. It requires consistent returns, smart underwriting, and a fund structure that puts investors first.

That’s what LBC Capital Income Fund, LLC delivers—monthly income backed by real assets, built for this market, not the last one.

If your current portfolio isn’t keeping up, or your “passive” income feels a little too unpredictable, we invite you to take a closer look.

The goal isn’t to chase yield. It’s to keep your wealth working—and protected. Let’s talk.