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Economic Forecast

2022 Special Report: The Great Resignation, Ramped-Up Inflation & What It Means for Investors

Published January 2022

Recent inflation numbers are causing alarm bells to go off, making investors scramble to determine how best to prepare. In this article, I break down the underlying factors causing this spike in inflation, and the unintended consequences of “The Great Stimulus” and “The Great Resignation.” Learn about why this is happening, why this is mostly a US phenomenon, and how investors can best profit.

Inflation: Transitory or Here to Stay?

Headline inflation is now at over 7% growth, which is concerning to investors, as it should be. A quick note here: at Aspen, we want to understand the larger macroeconomic trends. Investors are always more successful when investing with the trends than if they try and resist them. We’re passionate about analyzing the data to understand what’s  happening beneath the surface so that we can invest with the trends.

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Frequently Asked Questions

Q: How long has Aspen Funds been managing funds?

A: Aspen has been managing note funds since 2013. The Aspen Income Fund was started in 2013 and since then we have never missed a preferred return payment, nor have we lost any investor’s principal investment capital.

Q: What is the minimum investment?

A: The minimum investment in Aspen Income Fund is $50,000.

Q: What is the initial lock-up period on this fund?

A: The initial lock-up period for this fund is 1 year. After 1-year we provide best-efforts liquidity and allow investors the option to redeem their shares on a quarterly basis with 90 days written notice.

Q: Is this an open-ended fund?

A: Yes, this fund is open-ended, also known as an evergreen fund. We calculate Net Asset Value (NAV) on a quarterly basis and allow investors to subscribe and redeem at the current share price.

Q: How and when do I receive my preferred returns?

A: Upon initial investment, we have a 3-month delay period (in order to deploy capital). Then, investors will receive their preferred returns monthly either by direct deposit (ACH) or by check.

Q: Is this a passive investment?

A: Yes, investing in the private fund is completely passive. When investing in a private fund, you are leveraging our management company’s experience in this business and participate in a diversified portfolio. Investors receive their monthly preferred return by either wire or check.

Q: How often will I be updated about my investment?

A: On a monthly basis, investors receive their preferred return. Quarterly, we provide capital account statements, investor newsletters, and financial statements. We also always welcome calls from our investors.

Q: Will I own a specific note?

A: If you invest, you become a part owner of the fund versus a specific note. Therefore, your capital is diversified across all the notes in the portfolio.

Q: Do I need to be an accredited investor to invest in the fund?

A: Yes, our funds currently only allow accredited investors.

Q: Can I invest with an IRA or 401K?

A: Yes, our funds allow investment through qualified retirement money. This must be done through a self-directed IRA or 401K. If you don’t yet have a self-directed account, we can make introductions to several custodians that we have worked with. Additionally, our funds do not generate Unrelated Business Income Tax (UBIT).

Q: What is an accredited investor?

A: An individual or an entity can generally qualify as an accredited investor if they meet at least one of the following criteria:

  • an individual with income exceeding $200,000 or joint income with his or her spouse of at least $300,000, in each of the last two years with the expectation to reasonably maintain the same level of income in the present year
  • an individual with a net worth exceeding $1 million, excluding the primary residence, either individually or jointly with his or her spouse;
  • an entity that has assets exceeding $5 million that was not formed solely for the purpose of making the investment; or
  • an entity whose owners all satisfy 1, 2, or 3 above.

For more information about the requirements of an accredited investor, see this bulletin from the SEC.

Watch The Webinar

The Aspen Income Fund Deep Dive webinar covers many topics about the Aspen Income Fund in great details, including:

How to generate consistent income passively

Real examples of real estate notes and how they work

How private investments compare to other asset classes

The keys to conservatively underwriting these assets

Why it's better to be the bank

About Aspen's historical track record

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If you have a general inquiry about Aspen Funds, contact us at (800) 940-1510 or fill out the form and one of our representatives will be in touch with you.

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