Private credit is one of the hottest alternative investments right now, and Yrefy has a truly innovative investment that serves both sides of the transaction - borrowers and investors.Laine Schoenberger, Chief Investment Officer and Managing Partner at Yrefy, joins me to explain their platform. Yrefy helps borrowers trapped by private student loan debt while offering accredited investors attractive, non-correlated returns. Laine shares the stories behind their clients, explains how their underwriting process works and explains the advantages for investors, including flexible terms and steady, fixed interest rates.Top three takeaways:🔹 Real Impact for Borrowers: Yrefy’s program isn’t just about numbers; it’s changing lives. By negotiating down distressed private student loan debt and refinancing at affordable, fixed interest rates (average 3.9%!), borrowers get a custom solution that restores their credit and financial dignity.🔹 Investor-Friendly Structure: Accredited investors can participate with as little as $50K, picking their preferred term (1-5 years) and enjoying fixed, non-correlated returns up to 10.25%. There’s also a feature that provides flexibility if early liquidity is needed.🔹 Transparent, Human Approach: Every loan is handled in-house, borrowers are required to prove their seriousness before funding, and Yrefy’s average default rate is low (around 2%).Private credit that genuinely “does well by doing good” — this is a case study in how investors and borrowers can both win.To read more about Yrefy - www.yrefy.comTake the quiz - How Alternative Assets Can Fit in Your Portfolio Ready for the next step?Subscribe to the Podcast: pod.link/1671924778Don't forget to leave a review!Follow Michelle for more financial tips:YouTube: youtube.com/@theunconventionalinvestor Instagram: instagram.com/michelle.e.moses Website: www.mefinancial.net Disclaimer:The information discussed in this podcast is for educational and informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, investments, or financial instruments. Private placements and alternative investments are speculative and involve significant risks, including the potential loss of your entire investment. These investments are often illiquid, meaning they may not be easily sold or converted to cash, and investors should be prepared to hold them for an extended period of time. These opportunities are typically suitable only for accredited investors and may not be appropriate for all listeners. Always consult with a qualified financial advisor, attorney, or tax professional before making any investment decisions. The hosts and guests of this podcast are not responsible for any actions taken based on the information presented.
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Private credit is one of the hottest alternative investments right now, and Yrefy has a truly innovative investment that serves both sides of the transaction - borrowers and investors.Laine Schoenberger, Chief Investment Officer and Managing Partner at Yrefy, joins me to explain their platform. Yrefy helps borrowers trapped by private student loan debt while offering accredited investors attractive, non-correlated returns. Laine shares the stories behind their clients, explains how their underwriting process works and explains the advantages for investors, including flexible terms and steady, fixed interest rates.Top three takeaways:🔹 Real Impact for Borrowers: Yrefy’s program isn’t just about numbers; it’s changing lives. By negotiating down distressed private student loan debt and refinancing at affordable, fixed interest rates (average 3.9%!), borrowers get a custom solution that restores their credit and financial dignity.🔹 Investor-Friendly Structure: Accredited investors can participate with as little as $50K, picking their preferred term (1-5 years) and enjoying fixed, non-correlated returns up to 10.25%. There’s also a feature that provides flexibility if early liquidity is needed.🔹 Transparent, Human Approach: Every loan is handled in-house, borrowers are required to prove their seriousness before funding, and Yrefy’s average default rate is low (around 2%).Private credit that genuinely “does well by doing good” — this is a case study in how investors and borrowers can both win.To read more about Yrefy - www.yrefy.comTake the quiz - How Alternative Assets Can Fit in Your Portfolio Ready for the next step?Subscribe to the Podcast: pod.link/1671924778Don't forget to leave a review!Follow Michelle for more financial tips:YouTube: youtube.com/@theunconventionalinvestor Instagram: instagram.com/michelle.e.moses Website: www.mefinancial.net Disclaimer:The information discussed in this podcast is for educational and informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, investments, or financial instruments. Private placements and alternative investments are speculative and involve significant risks, including the potential loss of your entire investment. These investments are often illiquid, meaning they may not be easily sold or converted to cash, and investors should be prepared to hold them for an extended period of time. These opportunities are typically suitable only for accredited investors and may not be appropriate for all listeners. Always consult with a qualified financial advisor, attorney, or tax professional before making any investment decisions. The hosts and guests of this podcast are not responsible for any actions taken based on the information presented.
You Need To Rethink How You Invest Your Money: My "New" Allocation (Ep 78)
The Unconventional Investor
13 minutes
3 months ago
You Need To Rethink How You Invest Your Money: My "New" Allocation (Ep 78)
I think it's time we rethink our portfolios, especially from that 60/40 recommendation of the past. In this episode, I talk about why it’s time to add 20-30% in alternative investments—think real estate, lending funds, and even franchises—to balance your growth and give you more control. Diversifying outside just stocks and bonds can help you sleep better at night and potentially boost your returns. I also share how to use self-directed IRAs and why a Roth IRA should be top of mind. 3 takeaways from this episode:Modern Portfolio Mix: The classic 60/40 (stocks/bonds) split is making changing for a more diversified mix—what Michelle calls the “50/30/20” model: 50% stocks, 30% bonds, and 20% alternatives. Strength of Alternatives: Michelle sees alternative investments (like lending funds, real estate, and franchises) not just as a buffer from market volatility, but also as potential replacements for part of the bond allocation. Roth IRA Strategy: I stress the importance of the Roth IRA and why you should keep it top of mind in your retirement planning. Consider a backdoor Roth IRA.Backdoor Roth IRA Episode #54Take the quiz - How Alternative Assets Can Fit in Your Portfolio Ready for the next step?Subscribe to the Podcast: pod.link/1671924778Don't forget to leave a review!Follow Michelle for more financial tips:YouTube: youtube.com/@theunconventionalinvestor Instagram: instagram.com/michelle.e.moses Website: www.mefinancial.netDisclaimer:The information discussed in this podcast is for educational and informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, investments, or financial instruments. Private placements and alternative investments are speculative and involve significant risks, including the potential loss of your entire investment. These investments are often illiquid, meaning they may not be easily sold or converted to cash, and investors should be prepared to hold them for an extended period of time. These opportunities are typically suitable only for accredited investors and may not be appropriate for all listeners. Always consult with a qualified financial advisor, attorney, or tax professional before making any investment decisions. The hosts and guests of this podcast are not responsible for any actions taken based on the information presented.#alternativeinvestments #60/40mix #assetallocation #financialplanner
The Unconventional Investor
Private credit is one of the hottest alternative investments right now, and Yrefy has a truly innovative investment that serves both sides of the transaction - borrowers and investors.Laine Schoenberger, Chief Investment Officer and Managing Partner at Yrefy, joins me to explain their platform. Yrefy helps borrowers trapped by private student loan debt while offering accredited investors attractive, non-correlated returns. Laine shares the stories behind their clients, explains how their underwriting process works and explains the advantages for investors, including flexible terms and steady, fixed interest rates.Top three takeaways:🔹 Real Impact for Borrowers: Yrefy’s program isn’t just about numbers; it’s changing lives. By negotiating down distressed private student loan debt and refinancing at affordable, fixed interest rates (average 3.9%!), borrowers get a custom solution that restores their credit and financial dignity.🔹 Investor-Friendly Structure: Accredited investors can participate with as little as $50K, picking their preferred term (1-5 years) and enjoying fixed, non-correlated returns up to 10.25%. There’s also a feature that provides flexibility if early liquidity is needed.🔹 Transparent, Human Approach: Every loan is handled in-house, borrowers are required to prove their seriousness before funding, and Yrefy’s average default rate is low (around 2%).Private credit that genuinely “does well by doing good” — this is a case study in how investors and borrowers can both win.To read more about Yrefy - www.yrefy.comTake the quiz - How Alternative Assets Can Fit in Your Portfolio Ready for the next step?Subscribe to the Podcast: pod.link/1671924778Don't forget to leave a review!Follow Michelle for more financial tips:YouTube: youtube.com/@theunconventionalinvestor Instagram: instagram.com/michelle.e.moses Website: www.mefinancial.net Disclaimer:The information discussed in this podcast is for educational and informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, investments, or financial instruments. Private placements and alternative investments are speculative and involve significant risks, including the potential loss of your entire investment. These investments are often illiquid, meaning they may not be easily sold or converted to cash, and investors should be prepared to hold them for an extended period of time. These opportunities are typically suitable only for accredited investors and may not be appropriate for all listeners. Always consult with a qualified financial advisor, attorney, or tax professional before making any investment decisions. The hosts and guests of this podcast are not responsible for any actions taken based on the information presented.
