Author name: The Mid Atlantic Fund

High-net worth individuals (HNWIs) have unique investment needs and goals. They require investment options that offer stable returns, diversification, and low risk. In this blog, we’ll explore the investment options, and pitfalls, that HNWIs should consider to achieve these goals. Many consider fixed income to be the safest way to park money and avoid volatility but there is a catch to this. And it’s a BIG one. Let’s explore. Stable Returns HNWIs seek stable returns in their investment options. One way to achieve this is by investing in fixed-income securities, such as corporate bonds, government bonds, and other debt instruments. These securities provide regular interest payments and offer relatively predictable returns. However, any asset that is ‘traded’ can, and will, fluctuate in value which can destroy all the benefits of the fixed returns. We saw this recently when most US Treasuries lost 30+% of their value between June of ’22 and March of ’23. Diversification Diversification is a crucial factor for HNWIs when investing. By spreading their investment across different types of fixed-income securities, HNWIs can reduce the risk of loss due to the default of a single issuer. Diversification can be achieved in many ways. Investing in mutual funds or exchange-traded funds (ETFs) that focus on fixed-income securities or that use a predetermined built in diversification model. It sounds easy, however, the returns in this vehicle have historically been lackluster at best, and management fees wipe out of the profit they earn anyway. Additionally, a significant portion of a HNWI assets should be placed in something backed by a real tangible asset. Low Risk HNWIs are often risk-averse and seek low-risk investment options. Fixed-income securities with high credit ratings offer a lower risk of default than securities with lower ratings, but they rarely earn enough to even match inflation. Assets earning returns below the rate of inflation is the investment equivalent somewhere between burying money in the backyard and death by 1000 paper cuts. HNWIs can also consider investing in insured fixed-income securities, which offer additional protection against default but even lower returns. Other Investment Options Aside from fixed-income securities, HNWIs can also consider other investment options such as real estate, private equity, and hedge funds. Real estate can provide stable rental income and the potential for capital appreciation. Private equity and hedge funds offer the potential for higher returns but also come with higher risk, extensive due diligence and usually ongoing personal involvement. The holy grail of investing is to combine a predetermined return that consistently beats inflation, is backed by real assets that cannot go out of business, is completely passive, and exempt from market price volatility. The Mid Atlantic Secured Income Fund For HNWIs looking for diversification into an investment option that offers price stability, contractual inflation beating distributions, backed by real assets, and is 100% passive they may want to consider a non-traded real estate focused debt fund. The Mid Atlantic Secured Income Fund is a suitable option. Conclusion HNWIs have unique investment needs and goals. Achieving stability, diversification, and low risk in their investment options is crucial. Fixed-income securities, mutual funds, ETFs, and other investment options such as real estate, private equity, and hedge funds can provide HNWIs with the stability, diversification, and low risk they seek. The Mid Atlantic Secured Income Fund is an excellent investment option for HNWIs looking for stable returns, low expenses, and low volatility.

The stability of the banking industry in Atlanta, Georgia, provides a favorable environment for investment funds such as the Mid Atlantic Secured Income Fund. The Fund benefits from a stable lending environment, a skilled and educated workforce, investment opportunities across different sectors, and access to reliable financial services. These factors provide a solid foundation for the Fund’s investment strategy, enabling it to achieve its financial goals and generate attractive returns for its investors.   Diverse Economy   Another reason for the stability of the banking industry in Atlanta is the city’s diverse economy. Atlanta is home to many Fortune 500 companies in industries such as logistics, healthcare, consumer staples, construction, airlines, and especially technology. Furthermore, it is also becoming a hub for the film, television, and recording industries. This diversity has helped the banking industry to weather economic downturns in specific sectors by spreading the risk across different industries. Skilled Workforce The banking industry in Atlanta has access to a skilled and educated workforce. The city is home to several top-rated universities and colleges, including Emory University and Georgia Institute of Technology. These institutions produce highly skilled graduates in finance, accounting, and other related fields, providing a pipeline of talented professionals to the banking industry. Growth  Jack Welch once said that “for cities, like businesses, growth is the elixir of life”. With nearly 500 people a day moving to the Atlanta area growth in all the areas supporting these consumers is inevitable and creates an economic environment that is inherently more stable than many other cities.   In conclusion, the banking industry in Atlanta, Georgia, has remained stable due to sound regulatory oversight, growth, a diverse economy, and a skilled workforce. These factors have helped the industry to weather economic challenges and remain a vital part of the city’s economy. As such, it is an attractive destination for businesses and individuals looking for financial stability and growth opportunities.  

Atlanta has seen tremendous population growth over the past few decades, making it one of the fastest-growing metropolitan areas in the United States. The city’s population growth has been one of the top in the nation since 2000, and this trend is expected to continue in the coming years. This blog will explore the reasons behind Atlanta’s continued population growth and stability and why it makes the city an ideal place to live and work. Job Opportunities One of the primary reasons for Atlanta’s population growth is the abundance of job opportunities. The city is home to several Fortune 500 companies and has a thriving startup scene, providing a diverse range of job opportunities across different industries. The city’s low cost of living and favorable tax environment has also made it an attractive destination for businesses, creating more job opportunities for residents. Quality of Life Atlanta offers a high quality of life to its residents, with a range of cultural, recreational, and entertainment options. The city is home to several world-class museums, theaters, and music venues, as well as several sports teams. The city’s parks and green spaces provide ample opportunities for outdoor activities, including hiking, biking, and kayaking. The city has also committed to planting an additional 8000 trees over the next 4 year. With great weather, fantastic food, low risk of natural disaster, and the world’s busiest airport Atlanta truly has something for everyone.  Stable Housing Market Atlanta’s housing market has remained stable despite the population growth, making it an attractive destination for homebuyers and investors. The city offers a range of housing options, from historic homes in established neighborhoods to modern apartments in new developments. The city’s affordable housing options and relatively low property taxes have also made it an attractive destination for first-time homebuyers and retirees. Infrastructure Atlanta’s infrastructure is another factor contributing to its population growth and stability. The city has a well-developed transportation system, including several highways, an international airport, and a growing public transportation system. The city’s infrastructure has also been designed to accommodate future growth, with several ongoing projects to improve transportation and expand the city’s green spaces. In conclusion, Atlanta’s continued population growth and stability are due to several factors, including job opportunities, quality of life, a stable housing market, and infrastructure. These factors have made Atlanta an ideal place to live and work, attracting residents from across the country and around the world. As such, the city is well-positioned for continued growth and prosperity in the years to come.  

The Best Savers Dilemma The 1st vision of our investment offering from the begin was to present a solution to what we call “The Savers Dilemma“. The Best Savers Dilemma is a result of decades long governmental policy’s designed to discourage savings as a way of encouraging spending and borrowing. The thought being that more spending tends to prop up economic indicators in the short term by increasing a metric called the Velocity of Money (more on this below). By manipulating short and long term interest rates the policy makers keep the interest income that savers earn on things like savings accounts, money market accounts, CDs, and even Treasury Notes/Bonds below the rate of inflation. This makes virtually all of the interest bearing products available to the general public guaranteed losers.  In fact it may be the only guaranteed loss in the investment world. To a great extent their plan is working. So is it any wonder that nearly 70% of American adults have less than $1000 in savings Federal Funds Rate – 62 Year Historical Chart However, for those that know better and are frustrated with this situation we have developed a solution to The Savers Dilemma.  Warren Buffet said ‘Compound interest is the 8th wonder of the world” and that anyone can become very wealthy using it. The keys, he said, is to “start early and stick with it”  By investing in the Mid Atlantic Secured Income Fund you will earn up to 8.5% APY on your savings and significantly out pace even the most aggressive inflation projections. At this rate your invested money would double every 8 to 9 years! This means a 500k investment at the age of 30 would turn into 4 million at age 64!! Want an easy retirement plan? Here you go!