Protected: What Is the Fidelis Track Record, and How Would You Check It?
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What Are the Real Risks of a Private Mortgage Fund, and What Do We Do About Them?
By John P. Lloyd, CEO, President & Co-founder When I talk with new investors, this question often comes up, usually in plainer words than the brochure uses: “John, how have you been able to deliver such competitive returns consistently for all these years? What’s the catch?” Here is the...
Defensive Underwriting: How Does Fidelis Adjust its Risk Model for a Changing Economy?
By John P. Lloyd, CEO, President & Co-founder It is 2026. The economic horizon looks vastly different today than it did during the heady, liquidity-fueled days of 2021. Yet, in conversations with accredited investors, I frequently hear a similar sentiment a distinct “knot in the stomach.”...
The Healthcare Consumption Gap: Why Healthspan Belongs in Your Financial Plan
By John P. Lloyd, CEO, President & Co-founder We spend forty years chasing a number — the figure in the retirement account that finally lets us exhale. The travel, the hobbies, the time with the grandkids. There is a second number almost nobody plans for, and it can eat the first. I call it...
Yes, It Is Taxed as Ordinary Income. Here Is Why Our Investors Still Choose It.
By John P. Lloyd, CEO, President & Co-founder Somewhere around the middle of April every year, I get a version of the same call. An investor looks at what he earned, looks at what he actually kept, and asks me why he is holding an asset taxed at his top marginal rate when there are
How much would a $100,000 investment grow to if I compounded for 10 years versus taking quarterly payments?
By John P. Lloyd, CEO, President & Co-founder When I talk with new investors, this question often comes up. They understand what a return is. What they want to see is the difference between spending it and leaving it alone. Here is the direct answer. On $100,000, over ten years, the gap is...
Is My Money Accessible? The Strategy Behind Fidelis’s Cash Management and Redemption Policy
By John P. Lloyd, CEO, President & Co-founder There is a specific feeling that every investor knows, though few discuss it openly. It isn’t just the fear of losing money; it is the anxiety of losing control. When you transfer capital into a private fund, there can be a concern that you have...
LTV vs. LTC: What are these Key Metrics and How Does Fidelis Use Them in Analyzing Deal Safety?
By John P. Lloyd, CEO, President & Co-founder As an accredited investor in a mortgage fund, questions naturally come up from time to time — moments where something isn’t quite clear. You shouldn’t feel like you’re peering into a “black box” of finance jargon designed to...
Quarterly Distributions vs. Monthly Compounding
By John P. Lloyd, CEO, President & Co-founder When I talk with new investors, this question always comes up: “John, should I take the income now, or let it ride?” It sounds like a preference question, but it is actually a math question regarding the cost of interruption. Most...
Beyond LTV: What Specific Fund Reserves and Protections Exist?
By John P. Lloyd, CEO, President & Co-founder We have all felt it. It’s that knot in your stomach when you read the headlines about private credit problems or a sudden liquidity crunch. It’s the realization that while the numbers on a balance sheet might look healthy, the accessibility of...