Smoothen Portfolio Returns

Smoother Portfolio Returns with Private Credit

A small slice of fixed-rate private credit can reduce overall swings in the investment portfolio without giving up income. Past data show that private credit is less than 30% correlated to the stock market.

The Problem

At times of market turbulence, diversification disappears when you need it most. 

• 60/40 portfolios had their worst year since 2008 in 2022
• The reverse price relationship of equities and bonds breaks at times
• Both bonds and equities get hurt when interest rates rise

Why the Usual Choices Fail

Private credit tracked the S&P 500 at only 20–30% (2021-24), while high-yield ETFs were above 70%. In the 2022 downturn, “high-dividend” ETFs fell 3-7%, while private credit gained, on average, 6.3%.

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

1. Open Your Account – digital sign-up with your phone or computer
2. Pick Your Investment – choose terms so repayments arrive when you need them.
3. 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 adds steady yield and calmer nerves to your portfolio.

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