In this month's newsletter, we hear from REDEEM Investments to discuss real estate and options for investing policy loans in an honorable cause: helping revolutionize adaptive reuse space for Medical purposes!
Money in Motion: ARMOR Private Equity Fund
BY THE LEGACY PROJECT & GUEST WRITER ASHTEN CHILD
As we continue to teach about the Infinite Banking Concept, repetition is vital. Why? Because we want to emphasize the most important things. Although there are many layers and applications to IBC, only a few key points need to be understood. One of them is to
keep your money in motion! There are many nature-based parallels to this concept, which, while metaphorical, are relevant to this idea. For example, consider the human body: if we don't keep our bodies active, we will likely become overweight and generally unhealthy. Furthermore, people who lead a primarily sedentary lifestyle don't enjoy good health in retirement.
The same goes for any machine, such as an assembly line, car, or helicopter. In the military, for instance, a Blackhawk helicopter must be "run up" every 14 days. Why? Because movement is essential for the machine's longevity. Then why are we advised to park our money without access until 59.5 years of age? Is the financial world exempt from the "motion = health" formula? ABSOLUTELY NOT! What do banks, day traders, and mortgage lenders do? They all keep their money in motion, buying, selling, trading, or leveraging to keep their portfolios fresh. Money in motion is why we urge our readers to take a policy loan as soon as possible to practice IBC. Motion is key!
If you're unsure where to start, Legacy Project has an exciting opportunity for you to consider. Remember, investing your policy loan funds allows your money to grow in two different places simultaneously. While you're figuring out the best way to get your policy moving, let Legacy Project introduce you to Ashten Child, Investor Relations Manager at Redeem Investments. Redeem Investments is an excellent option for those who lack experience in real estate or investing but still want to make a wise investment decision. Christian Catron, President of Redeem Investments and West Point classmate, connected Legacy Project to Ashten. Ashten and her husband (also a West Point graduate) practice IBC and GET IT when it comes to keeping your Money in Motion. Today, she will share a method for making the most of your capital.
Author: Ashten Child
Hello everyone, it's a pleasure to be here and discuss two of my favorite topics - Infinite Banking and Investing. As Landon mentioned, I am the Marketing and Investor Relations Manager at Redeem Investments. Today, I am excited to introduce you to our latest offering, the Redemption ARMOR Fund. The fund utilizes unique business strategies and strategic partnerships to produce excellent financial returns.
Redeem Investments was founded in 2019 by West Point graduate Christian Catron and quickly welcomed COO Michael Eurperio, a fellow West Point graduate. Redeem Investments is a faith-driven investment firm focusing exclusively on ESG (Environmental, Social, Governance) commercial real estate. Our company's pillars are Servant Leadership, Integrity, and Relationship-focus, which form the acronym SIR - a subtle nod to our military heritage. These pillars help create a positive impact on the people, communities, and buildings that we transform. We employ three strategies in our acquired assets: Adaptive Reuse, Value-Add, and Renewable Energy. Moreover, we focus on various types of commercial real estate, including medical offices, hybrid offices, hospitality, self-storage, and multifamily.
Our terms for the Redemption ARMOR Fund are:
8-10% Preferred Return
15%+ Internal Rate of Return (IRR)
17%+ Average Annualized Return (AAR)
2.0x+ Equity Multiple
Minimum Investment Amount: $100,000
Fund Life: 7 years
The ARMOR Fund boasts a recession-proof investment strategy through the following approaches:
The time-honored tradition of buying low and selling high.
Utilization of our adaptive reuse thesis.
A plan centered around essential in-person services, including Ambulatory Surgical Centers, Primary Care and Specialty Clinics, Dialysis and Infusion Centers, Medical Co-working, and Rehabilitation Treatment Centers.
Buy Low, Sell High
The Redemption ARMOR Fund utilizes a fundamental investing principle of Warren Buffet, which can be paraphrased as "Buy low, sell high," and applies it to the real estate market. Warren Buffet is famous for his principles of generating wealth, and the basic lesson he teaches is to buy low and sell high. The ARMOR Fund accomplishes this agenda by investing in office buildings, which are currently an asset class that is not in high demand due to the pandemic. As more and more companies are allowing their employees to work from home, they are choosing to let their leases expire and save on some company overhead. This has resulted in office buildings being vacant or close to it in cities nationwide. In commercial real estate, the value of an asset is only as good as its ability to produce income. If an office building is completely vacant, it can be purchased for a meager price, the exact strategy of the Redemption ARMOR Fund.
Adaptive Reuse
Redeem Investments follows a unique acquisition strategy in which they prioritize Adaptive Reuse. This approach involves repurposing assets no longer performing well for their original use into something more in demand by the community. Let me give you an example of how this works in practice. Redeem Investments is working on a project in Temple, Texas, where they purchased an office building from a bank. Since the bank no longer needed the space, there was little demand for additional office space in the city. However, Redeem Investments saw a different potential for the building and worked with the city to develop a new vision for the space: a boutique hotel. This change was in response to the growing demand for hotels in the suburbs surrounding major metropolitan areas like Austin, Texas, where more and more companies are moving. The city of Temple was chosen as the location for Meta's (Facebook's parent company) new data center. Redeem Investments' adaptive reuse approach enables them to repurpose non-performing assets into something that meets the growing needs of the community while also getting a great price on the property. Finding a good bargain is always a great thing.
Recession Resistant Tenants
The third strategy of the Redemption ARMOR Fund revolves around essential in-person services, focusing on medical offices. As we discussed earlier, the office asset class as a whole is not performing well currently. Adaptive reuse is a great strategy to envision a better use of a space. However, a complete space overhaul can mean significant construction, which may not always be prudent on tens of thousands of square feet. To be cognizant of the financials and the best possible return, sometimes changing the tenants of an office building makes the most sense. Our team researched industries that remain stable during recessions or trying economic times, like the one we are currently experiencing. Our research led us to the conclusion that only some companies have the feasibility of being remote. Certain things can't be accomplished over Zoom, such as dentist appointments, physical therapy, outpatient surgery, or urgent care. Because Our CEO has an extensive background in healthcare management, it was a natural fit for us to focus on the medical office industry to provide great returns for our investors. Moreover, we have partnered with an Austin, TX-based surgeon who is also a former Army officer to offer a unique investment opportunity that is the best of all worlds for this season of our economy.
Other Major Partnerships:
Physician groups and even a large corporation specializing in physician-focused office spaces, such as Carehub.
Regus, a leader in hybrid office solutions, allows companies to rent office space as needed for the required duration, similar to the Airbnb concept for office space rentals. Regus is a nationwide company that caters to some of the most prominent corporations and Fortune 500 companies, including Microsoft, Disney, Spotify, PayPal, and others.
This investment opportunity is only available to accredited investors. It is an ideal way to put your policy loan to good use. If you have any questions or concerns, please feel free to contact me at ashten@redeeminvestments.com. In case you're interested in learning more about this investment opportunity or want to reserve a spot in our fund, you can use this link to join our mailing list. Additionally, you'll receive a free resource about the many benefits of investing in a medical office.
Ashten Child
Investment Relations Manager
Redeem Investments
Be sure to check out the full interview with Christian Catron, President of Redeem Investments. We flew down to Austin, TX to have a conversation about his story, what Redeem Investments is doing, as well as introducing the new ARMOR fund! We had a great time!
For more information about the ARMOR Fund, please check out our website or visit redeeminvestments.com.
The Legacy Project enjoys investing in stocks, bonds, and alternative investments like real estate. Each type of investment has advantages and disadvantages, but investing in alternative assets like real estate can produce significant benefits and diversify your portfolio.
For those of you who have yet to become acquainted with real estate investing, Legacy Project wants to showcase the benefits of investing in real estate.
These are Redeem Investments’ 9 Top Reasons to Invest in Real Estate:
Tangible Asset: Real estate provides investors with a physical asset they can see, touch, and understand. Physical assets can provide security and stability compared to investing in intangible stocks.
Cash Flow: Real estate investments can generate regular rental income, providing a steady cash flow.
Appreciation: Real estate has the potential to appreciate in value over time. As demand for properties increases, their market value can rise, allowing investors to benefit from capital appreciation.
Diversification: Investing in real estate allows for diversification of investment portfolios. Real estate has a low correlation with the stock market, which can act as a hedge against volatility.
Tax Advantages: Real estate investments offer various tax benefits and deductions like depreciation. These tax advantages can reduce the overall tax liability and increase the investment's profitability.
Inflation Hedge: Real estate investments have historically acted as a hedge against inflation. As the cost of living increases, rental income and property values tend to rise, providing a potential safeguard against inflationary pressures.
Leverage: Real estate investments can be leveraged using borrowed funds, such as mortgages. Leverage allows investors to control a more extensive asset base with a smaller initial investment, potentially amplifying returns.
High-Target Returns: The tangible nature of real estate, combined with the benefits of leverage, diversification, and tax advantages, can offer more consistent and potentially higher returns than mutual funds or stock market ETFs.
Recession Resistant: Some real estate assets remain resilient during economic downturns. Examples include medical office spaces, multifamily housing, and self-storage facilities. These assets maintain stable occupancy rates even during financial hardships, making them relatively recession-proof.
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