Beat Inflation with Steady Private Credit Income
Cash sitting in the bank keeps losing buying power. Investing with Kilde pays a fixed interest rate that has beaten inflation for the past four years without the ups and downs of the stock market.
The Problem
The usual income investing instruments do not pay enough to keep up with inflation.
- Government and top-quality corporate bonds now pay 1–2% less than inflation.
- Bank deposits rarely top 3% a year.
- Shares can drop sharply at the worst moment.
Why the Usual Choices Fail
Blue chip SGD corporate bonds paid just 4.9% in 2024 while the inflation was 2.4%, leaving you with a 2.5% real yield. Investment in the S&P 500 yielded 25% in 2024, but depending on your entry and exit timing, you could have lost 4.3% in a month (April 2024).
How Kilde Helps
Key Facts
- Term: 3–36 months
- Interest: 10–15% simple interest paid out as frequently as monthly
- Early redemption: 2-4 times a year
- Investment: Senior secured credit to Non-Bank Financial Institutions
- Security: Diversified consumer and SME loan pools
3-Step Plan
- Open Your Account – digital sign-up with your phone or computer
- Pick Your Investment – choose terms so repayments arrive when you need them.
- Use Your Interest – withdraw or roll into the next investment.
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Proof It Works
Since 2021, Kilde has consistently delivered above 10% yearly returns to our investors, deploying more than $108,000,000 of capital.
Monthly Gross Returns
* The 2025 figure is as of May 2025, compounded over the past 12 months.
Conclusion
Investing with Kilde allows inflation-wary investors to lock in a return that beats inflation and saves nerves from riding the stock or bond market roller coaster.
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The views expressed in this blog post are solely my personal opinions and do not constitute professional financial advice. I am simply sharing my opinions with no guarantee of accuracy or completeness. No reader should make decisions based solely on the contents of this blog post. Readers should consult their own financial advisor before making any investment decisions. Neither the author of this blog post, Kilde, nor its employees will be held liable for any financial losses or damages that may result from the use of the information contained herein. Investing contains risks, including total loss of capital. Past performance does not guarantee future returns. Please conduct your own research before investing.
FAQ
Private credit is debt financing provided directly to companies or specialist lenders instead of through public bond markets. Because it is negotiated privately, it can offer higher fixed rates (10 – 15% p.a. in Kilde’s deals) and stronger investor protections such as senior-secured positions and collateral coverage.
We finance well-capitalised Non-Bank Financial Institutions (NBFIs) that issue diversified pools of consumer, SME, or micro-loans. These short-duration, high-yield assets have produced double-digit coupons since 2021, outpacing inflation and traditional bonds without stock-market swings.
You choose monthly or quarterly payouts of the returns. Cash interest is credited to your Kilde account automatically; you can withdraw to your bank or reinvest in the next deal with a click.
Our offers are open to Accredited Investors under Singapore regulations. Ticket sizes start from SGD 100 (or the local currency equivalent) per deal.
Terms range from 3 to 36 months. Most debentures include scheduled early-redemption windows two to four times a year, giving you optional liquidity.
Investors receive senior-secured notes. Collateral typically includes diversified loan receivables pledged to the investors with 1.6 times cash flow over the invested principal.
Yes. Kilde holds a Capital Markets Services licence (CMS 101016) from the Monetary Authority of Singapore (MAS) for dealing in securities, units in collective investment schemes and is an exempted financial adviser. Client funds are held in segregated trust accounts.
There is 0.5% per year fee on the invested amount.
The main risks are borrower default and macro shocks that affect loan portfolios. We mitigate these through (a) senior-secured structure, (b) conservative advance rates, (c) rigorous borrower due diligence, and (d) continuous monitoring with early-warning covenants.
Your dashboard shows live positions, following payout dates, and cumulative returns. Monthly statements are downloadable.
Yes. Historical data show private credit’s correlation to global equities is below 0.3, which can cushion drawdowns while still delivering equity-like yields.
Investors enable financial inclusion by channelling capital to NBFIs that fund micro-entrepreneurs and under-banked SMEs while earning market-beating returns. Impact metrics—such as jobs supported and female borrowers reached—are reported each quarter.
