You may have seen in the press recently BlackRock Chairman & CEO, Larry Fink is challenging the 73 year old investing principle of the 60/40 portfolio.
In fact in his 2025 annual letter to investors he says
Diversification has been called the “only free lunch.” It was the motivating idea that led Nobel Prize-winning economists like Harry Markowitz and Bill Sharpe to develop Modern Portfolio Theory, which became the foundation for the standard portfolio of roughly 60% stocks and 40% bonds. Generations of investors have done well following this approach, owning a mix of the entire market rather than individual securities. But as the global financial system continues to evolve, the classic 60/40 portfolio may no longer fully represent true diversification.
The future standard portfolio may look more like 50/30/20—stocks, bonds, and private assets like real estate, infrastructure, and private credit.”
You will notice he mentions real estate and private credit as two of the items suggested in a 50/30/20 portfolio.
We built our platform to give retail investors the ability to invest in multi-family real estate from a phone and computer.
The CalTier 2025 Convertible note will be closing on April 15th and gives you the opportunity to invest directly in CalTier Inc, our parent company.
Please read the note document in detail and ask any questions you have.
You can also check out the details on the platform here.
*Share price increase is not guaranteed. Results are not guaranteed.
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