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...
What has been the fund’s historical performance, and is it consistent?
By John P. Lloyd, CEO, President & Co-founder When I talk with new investors, this question always comes up. It’s the elephant in the room. You see a target return of 9+%, and in a world of volatile stock markets and low-yield savings accounts, you rightfully ask: “Is that actually...
The ‘Skin in the Game’ Factor: Why Borrower Equity is Your Safety Net
By John P. Lloyd, CEO, President & Co-founder As an investor, especially one looking at real estate private debt, there is a very specific, visceral fear that tends to surface when market volatility shakes the headlines. It’s that knot in your stomach that asks: “If things get really...
How often are distributions paid, and can I reinvest them?
By John P. Lloyd, CEO, President & Co-founder When I talk with new investors, the conversation almost always shifts from “risk” to “logistics.” The core confusion usually sounds like this: “Is this like a standard rental where I wait for a quarterly check, or is...
What is Fidelis’s Process for Identifying and Vetting Borrowers? (The Human Element)
By John P. Lloyd, CEO, President & Co-founder There is a specific kind of anxiety that comes with investing in private credit. It isn’t usually about the yield—the numbers on the page often look attractive. The anxiety sits deeper. It is the worry about deployment pressure. Investors often...
The Stress Tax: How Financial Anxiety and Poor Health Lead to Bad Decisions
By John P. Lloyd, CEO, President & Co-founder I know the feeling of the 3 a.m. stare at the ceiling. The house is quiet, but your mind is racing. It’s usually not about one single catastrophe; it’s a low-level hum of anxiety that won’t turn off. Often, that hum is financial. We need to...
Transparency in Private Lending: Every Dollar Invested Is Backed by a Recorded Deed of Trust
By John P. Lloyd, CEO, President & Co-founder There is a specific feeling that keeps many accredited investors awake at night. It isn’t necessarily the fear of a market correction, nor is it the fear of inflation. It is the subtle, gnawing knot in the stomach that comes from investing in a...
Can I Invest Through My IRA or 401(k)?
By John P. Lloyd, CEO, President & Co-founder When I talk with new investors, this question always comes up within the first five minutes. Most people have the bulk of their net worth tied up in retirement accounts, yet they feel restricted to the stock market. They want real estate exposure...
IRA and Retirement Account Strategies: Supercharging Your Tax-Advantaged Growth with High Yields
By John P. Lloyd, CEO, President & Co-founder As investors, we often grapple with a specific kind of tension—a knot in the stomach—when looking at our retirement accounts. We know these accounts are our future security, which naturally inclines us toward safety. However, we also know that if...
What Zero Foreclosures Since Inception Really Means (And Why We Prepare for Them Anyway)
By John P. Lloyd, CEO, President & Co-founder When I mention our track record—zero foreclosures since inception—I often see a raised eyebrow. Investors are skeptical of “perfect” records in finance, and rightly so. They know real estate has inherent risks and that borrowers...
What qualifies me as an accredited investor, and why is this fund limited to them?
By John P. Lloyd, CEO, President & Co-founder When I sit down with prospective investors, one question almost always comes up before we discuss strategy: “Am I an accredited investor… and why does it matter?” It’s a fair question—and one I answer frequently when speaking with...