Though the idea of the American Dream is scoffed at by some in the modern world, there are still people that believe in its truth and power, but will everyone be able to enjoy retirement? In short, we trust that through hard work and determination, we can achieve everything they’ve ever wanted. But what exactly does that mean. You can argue the details, but the pinnacle of this vision is a happy, healthy, and stress-free retirement. The following quote sums up this experience perfectly.

"Retirement is when you stop living at work and start working at living."

Those that seek this life, dream of traveling the world, taking up new hobbies, spoiling the grandkids and just enjoying the pleasures of old age. Unfortunately, these conditions do not come about on their own and according to current trends, for many, later rather than sooner.
To achieve this goal or to avoid the fate of continuing to work into your twilight years, we must work hard and invest to make this dream come true. The problem: CNBC reports" 65% of Americans save little or nothing—and half could end up struggling in retirement”

The unfortunate truth about Americans right now is that they aren’t managing their finances well enough to make the dream of retirement come true. Only 16% of the population saves more than 15% of their income, which is the standard benchmark for responsible retirement planning. We shouldn’t believe that Social Security will save us, a reality now universally accepted by the American public.

The benefits that come from this program often don’t break $1,500 a month, which is not enough to sustain most adults. Additionally, much of that sum pays for healthcare rather than day-to-day expenses. With the rising costs of medical services and the weakening of the Social Security system, retirees may find themselves with next to no government income when they decide to hang it up. At the moment, we do not know when Social Security will start to fail, nor do we know what it will look like after it does. What we do know is that at some point, benefits will very likely fall and become an even less sustainable retirement plan. Making things even worse, the cost of health care has no end in sight.

If you’re a government employee, you might think that a pension will save you. Unfortunately, this is not likely to happen either. Most of these systems are severely underfunded and bound for the same fate faced by Social Security. Most of us are not prepared for retirement, and we should not hang our hopes on a government program that has a limited lifespan.

So, what can you do? The first critical behavioral change is not to sit idly by. Commit to start saving as much money as you can. When it comes to your financial future, money is power. You cannot do anything if you do not have capital, and you can do everything if you do. And it will not be enough to save the money and hide it away. You need to put it to work. The crucial step is investing in the right type of investments. If you only hold onto it or invest in low performing investments, it will lose value due to inflation.

For example, the average dividend yield is 2.0%, and inflation is currently standing at 2.1%. If you're investing for dividends alone, you're going backward.
So, what should you invest in?

“Consider income and growth assets”

The key to the perfect retirement is investing in high probability investments.
High net-worth investors (HNWIs) offer a clue as to these types of investments as they have the highest allocation of their investable assets in passive commercial real estate. HNWIs are allocating around 30% of their portfolio in commercial real estate which provides monthly or quarterly income and growth (appreciation) that easily outpaces inflation.

“Not all commercial real estate classes are created equal”

Currently, we are seeing many groups chasing multifamily deals that are overpriced and underperforming. Retail is also one we're avoiding for the same reasons. The most significant demand we are seeing is in affordable housing, which although offers potentially high rewards can also be challenging to do at scale. Fortunately, the U.S. government provides a vehicle for investors to overcome the high barriers to entry of investing in real estate at scale - namely, by allowing qualified investors to pool their resources through a private real estate investment fund through an exempt private security offering under U.S. securities regulations.

These funds are usually sponsored and spearheaded by investors experienced in the specific class of real estate the fund is seeking to invest in. If there is one class, we’ve had success in and had success scaling out, it is Multi-Family Apartments. Through years of experience and active investing, our investment group has built the infrastructure and knowledge to be able to scale with efficiency.

We are able to provide healthy returns on investment for investors, allowing them to invest for income and growth, the two elements for building wealth and for building towards the type of retirement they desire, and it is our conviction that investing in high demand for Multi-Family , we can achieve this dream for ourselves and our investor partners.

All information contained herein is for informational purposes only and should not be construed as a securities offering of any kind. Prior to making any decision to contribute capital, all investors must review and execute all private offering documents, including the project prospectus and the Private Placement Memorandum. Access to information about our investments is limited to investors who qualify as accredited investors within the meaning of the Securities Act of 1933, as amended, and Rule 501 of Regulation D promulgated therefrom.