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Private credit has gained significant traction in recent years, especially as traditional banks have scaled back their lending activities. This shift has opened the door for asset managers and specialized funds to step in and provide direct lending solutions to companies. The growing appeal of private credit is partly due to its ability to offer higher yields compared to traditional fixed income investments, which has driven the development of funds specifically structured for lending purposes. As these funds have become more prevalent, they have been able to meet the financing needs of companies that might otherwise struggle to secure funding from conventional sources. Corporations can raise money through various channels, such as issuing bonds or obtaining loans from banks. However, with the current economic climate, the spread between U.S. Treasuries and corporate credit has been widening. This trend is influenced by several factors, including economic uncertainty, interest rate fluctuations, and investor demand for higher yields in a riskier environment. As of mid-2024, the spread between investment-grade corporate bonds and U.S. Treasuries was around 92 basis points (1) , while the spread for high-yield bonds had increased to approximately 359 basis points and is expected to rise to 450-475 basis points by the end of the year. (2)   This widening reflects the higher risk premiums investors are demanding as they seek better compensation for the perceived risk in corporate credit compared to the safer U.S. Treasuries. Private credit refers to debt investments that are not issued or traded on public markets. Instead, these loans are directly negotiated between lenders (often institutional investors, private equity firms, and alternative asset managers) and borrowers, typically small and mid-sized businesses. Private credit can take various forms, including senior secured loans, mezzanine debt, direct lending, distressed debt, and special situations financing.   Key Characteristics   Illiquidity – private credit investments are typically illiquid, meaning they cannot be easily bought or sold on secondary markets. Investors often commit capital for a set period, usually ranging from three to seven years.   Higher Yields – due to the illiquid nature and higher risk profile of private credit, these investments often offer higher yields compared to public bonds or traditional fixed income securities. Customizable Structures – unlike public debt markets, private credit allows for customized loan structures tailored to the specific needs of the borrower and preferences of the lender. This flexibility can lead to more favorable terms for both parties.   Lower Correlation with Public Markets – private credit investments tend to have a lower correlation with public equity and bond markets, providing diversification benefits and potentially reducing overall portfolio volatility.   Types of Private Credit Investments   Private credit encompasses a broad range of debt instruments, each with its own risk-return profile and investment characteristics:   Senior Secured Loans are loans that are backed by collateral, such as the borrower’s assets. These loans have the highest priority in the capital structure, meaning they are paid back first in the event of a default. Senior secured loans are typically considered lower risk within the private credit space but still offer attractive yields compared to public bonds.   Mezzanine Debt is a hybrid form of financing that sits between senior secured debt and equity in a company’s capital structure. It often comes with higher interest rates and may include equity kickers or warrants, providing lenders with an upside potential if the borrower performs well. However, mezzanine debt is riskier than senior secured loans because it is subordinate in the event of default.   Direct Lending involves private lenders providing loans directly to middle-market companies, often to finance growth, acquisitions, or refinancing. Direct lending has become increasingly popular as banks have reduced their lending to smaller companies due to regulatory changes. These loans are typically structured as senior secured loans, offering relatively high yields and strong protections for investors.   Distressed Debt investing involves purchasing the debt of companies that are in financial trouble or have already defaulted. Investors in distressed debt aim to profit from the company’s turnaround or restructuring, often by acquiring the debt at a significant discount. This strategy is high-risk but can offer substantial returns if the company successfully recovers.   Special Situations financing refers to loans provided in unique or complex circumstances, such as financing for corporate restructurings, turnarounds, or recapitalizations. These investments require specialized knowledge and expertise but can offer high returns due to their complexity and risk.   Benefits of Investing in Private Credit   Attractive Risk-Adjusted Returns – Private credit investments typically offer higher yields than traditional fixed income securities, making them attractive to income-focused investors. The ability to negotiate loan terms and the collateralized nature of many private credit deals can also help mitigate risks and enhance returns.   Diversification – Adding private credit to a portfolio can provide diversification benefits, as these investments tend to have low correlations with public equity and bond markets. This can help reduce overall portfolio volatility and enhance stability during periods of market stress.   Customization and Control – Private credit allows for more tailored investment opportunities, with loan structures that can be customized to meet the specific needs of both lenders and borrowers. This flexibility can lead to more favorable terms, such as higher interest rates, better covenants, and enhanced protections.   Potential for Enhanced Security – Many private credit investments are secured by collateral, which can provide an additional layer of protection for investors. In the event of a borrower’s default, the lender may have a claim on the borrower’s assets, reducing potential losses.   Risks and Considerations   While private credit offers numerous benefits, it is not without risks. Investors should carefully consider the following before allocating capital to this asset class:   Illiquidity – Private credit investments are often illiquid, meaning investors must be prepared to commit their capital for an extended period. The lack of a secondary market for these loans can make it difficult to exit positions before maturity.   Credit Risk – The primary risk in private credit is the creditworthiness of the borrower. A default or downgrade in the borrower’s financial health can result in significant losses for the lender. Conducting thorough due diligence and ongoing monitoring is essential to managing this risk.   Market and Economic Conditions – Private credit performance can be influenced by broader market and economic conditions. For example, rising interest rates or a downturn in the economy could increase default rates among borrowers, leading to potential losses.   Complexity and Expertise – Investing in private credit requires specialized knowledge and expertise. The complexity of loan structures, legal considerations, and the need for active management can make it challenging for individual investors to navigate this space without professional guidance.   Regulatory and Legal Risks – Private credit markets are less regulated than public markets, which can increase the risk of fraud, mismanagement, or legal disputes. Investors should be aware of the regulatory environment and ensure they are working with reputable partners.   Private Credit Investing   For those interested in investing in private credit, there are several ways to gain exposure:   Private Credit Funds pool capital from multiple investors to invest in a diversified portfolio of private loans. These funds are managed by professional asset managers with expertise in credit markets. Private credit funds can offer access to a broad range of debt instruments and provide diversification across borrowers, industries, and geographies.   Experienced investors with significant capital and expertise can make direct investments in private credit deals. This approach allows for greater control and the ability to negotiate terms directly with borrowers. However, direct investment also requires more involvement in due diligence, management, and monitoring.   Business Development Companies (BDCs) are publicly traded entities that invest in private companies, often through direct lending or mezzanine financing. BDCs provide a way for individual investors to gain exposure to private credit with the added benefit of liquidity, as shares can be bought and sold on public exchanges.   Some Private Equity firms offer credit-focused funds or strategies that invest in private debt as part of their broader investment mandate. These firms may offer opportunities to invest in specialized credit vehicles or distressed debt strategies.   The Wrap   Investing in private credit offers a unique opportunity to diversify portfolios, achieve higher yields, and gain exposure to the private market. While it comes with certain risks and challenges, the potential rewards can be significant for those who understand the intricacies of this asset class. Whether through private credit funds, direct investments, or publicly traded BDCs, investors have various avenues to explore this growing segment of financial markets.   As with any investment, it’s essential to conduct thorough due diligence, understand the risks involved, and consider your investment objectives and time horizon. For those looking to enhance their fixed income portfolios, private credit may be an attractive option that provides both income and diversification benefits.   Interested in Private Credit investments? Check out how the Templum One marketplace  is bringing together investors with private alternative investment opportunities. Reach out to our team today sales@templuminc.com     1 https://www.schwab.com/learn/story/corporate-bond-outlook 2 https://pitchbook.com/news/articles/2024-us-high-yield-outlook-receding-rates-imminent-maturities-to-spur-dealmaking

Investing in private equity (PE) offers a unique opportunity for investors to acquire ownership stakes in private companies, often through funds managed by specialized firms. This type of investment involves providing capital to businesses that are not publicly traded, typically with the goal of fostering growth, improving operational efficiencies, or preparing for an eventual exit strategy such as a sale or an initial public offering (IPO).   Unlike investing directly in private companies, which may involve taking individual stakes or engaging in direct partnerships, PE investments are usually channeled through structured funds that pool capital from multiple investors to acquire and manage diverse portfolios of companies. This distinction allows private equity investors to benefit from professional management and strategic oversight while spreading risk across a range of investments.   PE is an attractive alternative asset class for investors seeking higher returns, portfolio diversification, and access to private market opportunities. Unlike public markets, where investors can buy and sell shares of companies listed on stock exchanges, PE involves investing directly in private companies or taking public companies private.   What is PE?   PE refers to capital investment made into companies that are not listed on a public exchange. These investments are typically made by private equity firms, which pool capital from institutional investors, high-net-worth individuals, and other sources to buy stakes in companies, with the goal of enhancing their value over time. The ultimate objective is to sell these companies at a profit, either through an initial public offering (IPO), a sale to another company, or a recapitalization.   Key Characteristics   Long-Term Investment Horizon: PE investments are usually held for several years, often ranging from 5 to 10 years, before the firm seeks an exit. This long-term approach allows for significant operational improvements and value creation.   Active Management: PE firms play an active role in managing and improving the companies they invest in. This can involve restructuring operations, optimizing capital structures, and driving strategic growth initiatives.   Illiquidity: PE investments are illiquid, meaning they cannot be easily bought or sold. Investors typically commit their capital for the entire duration of the investment period. ​ High Potential Returns: Given the active management and focus on value creation, PE investments have the potential to generate substantial returns, often higher than those available in public markets.   Types of Investments   Private equity encompasses a range of investment strategies, each with its own risk-return profile and focus:   Leveraged Buyouts (LBOs) involve purchasing a company primarily through debt, with the expectation that the acquired company’s cash flows will be sufficient to pay down the debt over time. The goal is to increase the company’s value through operational improvements and eventually sell it at a profit. LBOs are one of the most common forms of PE investments.   Growth Capital investments involve providing funding to mature companies looking to expand or restructure operations, enter new markets, or finance significant acquisitions without changing control of the business. These investments are less risky than LBOs because they typically involve companies that are already profitable and looking to accelerate growth.   Venture Capital is a subset of private equity focused on investing in early-stage companies with high growth potential, often in the technology, healthcare, or biotech sectors. These investments are high-risk but can yield extraordinary returns if the startup succeeds. Venture capitalists typically take a minority stake and provide mentorship and strategic guidance to help the company scale.   Distressed or Special Situations investing involves acquiring companies that are facing financial difficulties or are in bankruptcy. PE firms specializing in this area aim to turn around the company’s fortunes through restructuring, refinancing, or asset liquidation. This strategy is high-risk but can be highly rewarding if the turnaround is successful.   Real Estate Private Equity involves investing in commercial real estate properties or development projects with the goal of improving their value and selling them at a profit. These investments often involve significant capital expenditures for property improvement or development.   Benefits of Private Equity Investing   High Return Potential – PE investments have historically delivered higher returns compared to public equities and other traditional asset classes. The active management, operational improvements, and strategic growth initiatives implemented by PE firms contribute to this outperformance.   Diversification – PE offers diversification benefits as it involves investing in a wide range of industries and sectors, many of which may not be accessible through public markets. Moreover, the performance of private equity is often less correlated with public markets, providing a hedge against market volatility.   Access to Private Markets – PE enables investors to gain access to companies and opportunities that are not available in public markets. This includes high-growth startups, mature businesses seeking expansion, and distressed companies with turnaround potential.   Active Involvement and Value Creation – PE firms take an active role in the management of their portfolio companies, focusing on enhancing operational efficiency, driving growth, and optimizing financial structures. This hands-on approach often leads to significant value creation and higher returns.   Alignment of Interests – PE firms typically invest alongside their investors, aligning their interests with those of their limited partners (LPs). This co-investment structure ensures that the PE firm is motivated to maximize returns for all stakeholders.   Risks and Challenges   Illiquidity – PE investments are not easily liquidated. Investors must commit their capital for the duration of the investment period, which can be several years. This lack of liquidity can be a significant drawback for those who may need access to their funds before the investment matures.   High Risk – While PE offers the potential for high returns, it also comes with high risks. The success of private equity investments depends on the ability of the firm to improve the operations of the companies in which it invests. Economic downturns, mismanagement, or unforeseen challenges can lead to significant losses.   High Fees – PE investments often come with high management fees and performance fees (also known as carried interest). These fees can erode returns, especially if the investment does not perform as expected.   Limited Transparency – PE firms are not required to disclose the same level of information as publicly traded companies, leading to less transparency. Investors must rely on the firm’s reporting and due diligence processes to understand the performance and risks associated with their investments.   Long Investment Horizon – The long-term nature of PE investments means that it can take several years to realize returns. This extended time horizon may not be suitable for all investors, particularly those with shorter investment goals or liquidity needs.   Ways to Invest   Investing in private equity typically requires significant capital and is often limited to accredited investors and institutional investors. However, there are various ways to gain exposure to this asset class:   Investors can invest directly in private equity funds managed by established private equity firms. These funds pool capital from multiple investors to invest in a diversified portfolio of companies. Direct investment requires a significant capital commitment and is usually restricted to accredited investors.   Fund-of-Funds (FoFs) invest in a diversified portfolio of PE funds. This approach provides investors with exposure to multiple private equity strategies and managers, reducing risk through diversification. However, it also involves an additional layer of fees.   Some private equity firms offer co-investment opportunities , where investors can directly invest alongside the PE firm in specific deals. Co-investments allow for targeted exposure to individual companies and can reduce overall fees.   For those who do not meet the criteria for direct investment in private equity, there are exchange-traded funds (ETFs) and mutual funds that focus on private equity or companies involved in PE activities. These vehicles offer liquidity and lower capital requirements but may not provide the same level of returns as direct PE investments.   Investors can also participate in the secondary market for private equity, where they can buy and sell existing PE fund interests. This approach offers greater liquidity and the potential to acquire interests at a discount, though it also requires careful due diligence.   The Wrap   Private equity represents a powerful alternative asset class with the potential for high returns, diversification, and access to unique investment opportunities. However, it is not without risks, including illiquidity, high fees, and the need for a long-term investment horizon.   Investors considering PE should carefully weigh these factors, conduct thorough due diligence, and align their investment choices with their financial goals and risk tolerance. Whether through direct investments, FoFs, or co-investment opportunities, PE can play a significant role in a well-diversified portfolio for those who are prepared to navigate its complexities.     Interested in Private Equity investments? Check out how the Templum One marketplace is bringing together investors with private alternative investment opportunities. Reach out to our team today sales@templuminc.com

In the world of private alternatives, Special Purpose Vehicles (SPVs) offer a flexible and efficient way to structure investments. Whether in private equity, real estate, venture capital, or other alternative investments, SPVs provide a tailored mechanism for investors to participate in specific deals. A Special Purpose Vehicle (SPV) is a legal entity created for a limited purpose, typically to isolate financial risk and protect investors. An SPV can take the form of a corporation, trust, or limited liability company (LLC), with its primary function being to hold assets and facilitate investments in a specific project or venture. SPVs are often used when a company or group of investors want to pursue a particular opportunity without exposing their entire organization or portfolio to potential risks associated with that venture.   SPVs are standalone entities with their own balance sheets, which means their liabilities do not impact the parent company or sponsors who create them. This feature is especially attractive in alternative asset investing, where individual investments can be complex and involve significant financial risks.   How they work   SPVs are typically formed around a single transaction or investment. They pool capital from multiple investors to purchase assets or fund a specific project, such as acquiring a stake in a startup, purchasing real estate, or financing a new venture. Once the investment has been made, the SPV manages the assets on behalf of the investors and distributes any returns accordingly.   Investors in an SPV have a direct interest in the specific deal , rather than the broader portfolio or operations of a larger fund. This gives investors more control and transparency over the exact nature of their investment.   One of the key reasons SPVs are used is to mitigate risk. By creating an SPV, investors and sponsors can ring-fence the liabilities associated with a particular project. This means that if the investment underperforms or incurs losses, only the assets within the SPV are affected, limiting exposure to other investments or the parent company's operations.   SPVs allow for highly customized investment opportunities. Unlike traditional funds, which may have a broad investment strategy, an SPV can focus on a single asset or transaction. This makes SPVs an attractive vehicle for investors who are looking for targeted exposure to specific deals in private equity, real estate, or venture capital.   SPVs have a simplified deal structure. In many cases, large or complex deals require multiple investors to pool resources. An SPV provides a straightforward structure for these investors to participate without having to individually negotiate the terms or handle the administrative burden of managing the investment.   For investors, SPVs provide access to opportunities that might otherwise be out of reach. Since they are often formed to take advantage of specific transactions, SPVs enable investors to participate in high-value or niche opportunities without committing to a broader investment mandate. This is particularly valuable in the alternative asset space, where deal flow can be exclusive or hard to access.   In venture capital and private equity, SPVs are commonly used to bring together a syndicate of investors. A lead investor or sponsor typically organizes the SPV, sets the terms, and manages the investment, while other investors contribute capital. This model allows smaller investors to participate in deals they might not have been able to access independently.   The Wrap   SPVs can be an important means of investing in private markets, offering investors a flexible, risk-managed, and efficient way to participate in unique opportunities. Their ability to provide tailored investments, pooled resources, and risk mitigation makes them attractive options for venture capitalists, private equity firms, real estate investors, and others seeking targeted exposure in private markets.   In an increasingly complex investment landscape, SPVs provide an option for investors looking to participate in the growing world of alternative assets.   Investing in SPVs does carry certain risks that investors should be aware of before committing capital. One of the primary risks is the potential lack of diversification, as SPVs are typically set up to invest in a single asset or a specific set of assets, concentrating exposure and increasing vulnerability to market volatility. Additionally, SPVs often have limited liquidity, meaning investors may find it challenging to exit their position before the asset's maturity or a liquidity event. Regulatory and legal risks can also arise if the SPV’s structure or operations do not comply with local or international laws, potentially leading to losses. Finally, SPVs may carry operational risks, including inadequate governance or oversight, which could impact the management of the underlying assets and ultimately affect returns.   Interested in Special Purpose Vehical (SPV) investments? Check out our partnership with SoFi . Reach out to our team today sales@templuminc.com

Templum is delivering a marketplace for private alternatives with high-value opportunities, operational efficiencies, seamless execution, enhanced liquidity, and secondary trading through robust, scalable solutions. J.P. Morgan recently highlighted the immense potential of a "supermarket for alternative assets," likening it to the transformative impact mutual funds had on the investment landscape three decades ago in a report highlighting Schwab’s forthcoming alternative investment platform*.   Schwab’s platform will undoubtedly help shape the future of wealth management, but Templum is already offering the infrastructure that major players such as Schwab aspire to build. With capabilities designed to enhance distribution, facilitate transactions, and lower entry barriers, Templum is leading the charge, delivering a true, one-stop shop marketplace with high-value opportunities, operational efficiencies, seamless execution, enhanced liquidity, and secondary trading through robust, scalable solutions – today, not tomorrow.   Unlocking Access – Today   One of the key takeaways from the J.P. Morgan analysis is the potential for Schwab to open up alternative investments to a broader range of investors, including those outside of institutional settings. Templum has already achieved this, enabling wealth managers to offer a variety of private market opportunities and seamless execution to investors through an efficient, agile platform, making investing in private markets as easy as it is in public markets. Templum is committed to democratizing alternative asset investing. This isn't a future vision – it’s happening now.   Templum’s solutions start with onboarding, including accreditation checks, KYC/AML and data rooms – and continue all the way through investment selection, execution and ongoing reporting – managing the full investment lifecycle on a single platform. Meanwhile, the Templum One private alternatives ecosystem brings select investments to a network of partners that want to offer investors access to the world’s most sought-after private assets. Templum One connects issuers and asset managers to new wealth channels while automating such processes as onboarding, risk management, and capital calls.   Private alternatives are currently highly fragmented across participants with different levels of access, automation and data. This makes investing and trading challenging, with users needing to navigate multiple platforms, data standards and protocols. Templum translates these into dynamic workflows that allow clients to have a single, retail-like user experience – integrated and connected. By seamlessly integrating alternative assets into the broader wealth management ecosystem, Templum is revolutionizing how investors approach private markets.   Schwab’s desire to expand further into the alternatives market is poised to unlock value for its investors, but the operational efficiencies of Templum’s infrastructure solutions are already here. By leveraging cutting-edge technology, RIAs, wealth managers and investment platforms can efficiently increase access to alternative assets not previously available to their investors, while asset managers can reach previously untapped wealth channels. In today’s competitive landscape, Templum is helping firms drive efficiencies, maximize returns, reduce risk and optimize processes.   As Schwab and other traditional financial giants begin to embrace the potential of alternatives, Templum’s early mover advantage stands out. Templum is not just keeping pace with industry changes; it is setting the pace.   Ready to join the future of investing? Reach out to our team at sales@templuminc.com to learn more.     *"Distribution of Alternative Products is a Big Revenue Opportunity for Schwab - A Big Distribution Opportunity for Managers", J.P. Morgan Research

Unlike traditional private equity (PE) and hedge funds, which are typically structured with fixed terms (usually 7-10 years), evergreen funds offer a perpetual or indefinite investment structure. This flexible approach allows investors to remain invested for the long term without facing forced liquidation at a predetermined date, making evergreen funds an increasingly attractive option for institutional and high-net-worth investors. Evergreen funds are  open-ended investment vehicles  that allow continuous inflows and outflows of capital, without the fixed timelines or exit deadlines seen in traditional closed-end funds. The key feature of evergreen funds is that they do not have a set expiration date or end of life. Investors can add to or redeem their shares periodically while allowing fund managers to maintain long-term investment strategies.   This structure contrasts with traditional private equity or venture capital funds, which operate with a set fundraising period, an investment phase, and a defined exit or wind-down phase. In evergreen funds, capital is continuously recycled, allowing for reinvestment into the portfolio and compounding of returns over time.   Key Features of Evergreen Funds   Perpetual Life : There is no set expiration date, meaning investors can stay invested for as long as they wish and exit when it suits their needs, often through periodic redemption windows. Liquidity : Evergreen funds often provide more liquidity than closed-end funds, offering investors opportunities to redeem a portion of their investment at regular intervals, such as quarterly or annually, depending on the fund’s rules. Compounding Growth : Reinvesting capital gains and income within the fund allows for long-term compounding returns, similar to how family offices or sovereign wealth funds operate. Flexible Capital Deployment : Fund managers in evergreen funds have greater flexibility in deploying and recycling capital as they are not bound by fixed investment periods. This can lead to better long-term investment opportunities.   Gaining in Popularity   Investors today are looking for ways to escape the volatility of public markets and the constraints of traditional private equity timelines.   According to  PitchBook’s Q3 2024 Analyst Note  on the Evergreen Evolution , the ability to hold investments for the long term aligns well with investors seeking stability and growth without the pressure of fixed-term exits​. Moreover, many evergreen funds focus on asset classes like PE, real estate, and infrastructure, which historically offer higher returns compared to traditional public market investments. This can be particularly appealing given forecasts of lower future returns for equities like the S&P 500 .   Finally, with no forced liquidation, fund managers can better weather economic cycles, allowing for more strategic decision-making and potentially higher returns over time.   Key Differences with Traditional PE   While both evergreen and traditional PE funds invest in private companies or assets, their structures and approaches differ significantly.   Traditional PE funds typically last 7-10 years, after which time investors receive their capital back. Evergreen funds, on the other hand, do not have a termination date.   In a traditional PE fund, capital is returned to investors after each exit or liquidation. In an evergreen fund, that capital is often reinvested into new opportunities, allowing for compounding growth.   Traditional funds are illiquid for most of their life span, while evergreen funds offer periodic liquidity, which can be important for investors who need flexibility in accessing their capital.   Advantages and Disadvantages   Advantages : Liquidity Options : Evergreen funds provide liquidity in a manner that is more accessible than traditional private equity vehicles. Long-Term Growth : The perpetual structure allows for investments to compound over time, potentially leading to higher long-term returns. Less Pressure on Exits : Fund managers are not forced to sell assets prematurely due to fund closure deadlines, enabling more strategic decision-making.   Disadvantages : Complex Fee Structures : Evergreen funds often have complex fee models, which may include both management and performance fees, creating challenges for investors who prefer more straightforward structures. Limited Liquidity : While more liquid than traditional funds, evergreen funds may still impose restrictions, such as quarterly redemptions or lock-up periods, which can be less flexible than public market investments.   Who Should Consider Evergreen Funds? Evergreen funds are best suited for long-term, patient investors such as family offices, institutional investors, and high-net-worth individuals who prioritize growth and capital appreciation but also want the option of periodic liquidity. These investors typically seek exposure to private equity, real estate, infrastructure, or other alternative assets but are not constrained by the need for short-term gains or capital.   For those seeking alternatives to traditional public market investments, especially given the current environment of lower expected returns from public equities, evergreen funds offer an attractive proposition.   As the investment landscape continues to evolve, evergreen funds offer an innovative approach to private markets, combining long-term growth potential with liquidity and flexibility. Their perpetual structure allows for ongoing capital recycling, reinvestment, and compounding returns – making them an increasingly important tool for those seeking alternative investment opportunities.   With projections of modest returns from traditional markets, the rise of evergreen funds represents a powerful alternative for investors looking to diversify their portfolios and achieve superior returns in the years to come.   For more in-depth insights, check out  PitchBook’s Q3 2024 report on the Evergreen evolution   here .   Interested in accessing Evergreen Funds? Reach out to our team today sales@templuminc.com

Businesses increasingly recognize the importance of helping employees achieve financial success by providing easy-to-use tools for managing their investment options . Templum’s white label Employee Investment Marketplace streamlines investment access for employees – empowering them to take charge of their financial future – while fostering alignment with corporate goals. Templum's Employee Investment Marketplace helps employees achieve financial success with easy-to-use tools to manage their investment options The modern workforce expects tools that are as innovative as the companies they work for. Templum’s Employee Investment Marketplace represents the future of employee investing – seamless, efficient and empowering. It’s not just about offering investment opportunities; it’s about creating a financial ecosystem where employees and employers thrive together. For asset managers, fragmented processes and outdated systems are more than just inconveniences – they drain valuable resources, create inefficiencies, and cost firms both time and money. Employees often struggle to access critical investment information, lack clear visibility into their investment holdings, and face unnecessary delays in obtaining essential documents such as tax forms. These disjointed systems not only frustrate employees but also divert your staff from higher-value tasks as they manually address inquiries and navigate cumbersome processes. The result is reduced engagement with firm-sponsored investment opportunities and missed financial potential for both employees and the firm. Templum’s Employee Investment Marketplace solves these challenges by centralizing and modernizing the investment process. Designed to save firms time and reduce costs, the portal replaces fragmented workflows with an integrated platform that automates routine tasks, streamlines access, and delivers a better investing experience for employees. Through a single, branded interface, employees gain seamless access to investment offerings, real-time visibility into their holdings, , and the ability to retrieve critical documents instantly. Meanwhile, firms benefit from a centralized platform that simplifies monitoring, customizes access for specific groups or individuals, and ensures secure handling of sensitive information. By removing barriers to participation, the Employee Investment Marketplace allows firms to enhance employee engagement, align employees’ financial goals with corporate objectives, and drive greater participation in your investment offerings – all while freeing internal resources to focus on strategic priorities. Templum’s solution delivers measurable value, empowering asset management firms to create efficiencies, improve the employee experience, and achieve stronger outcomes. No-Code Customization   With Templum’s no-code approach, firms can invite employees to a private, branded marketplace without requiring extensive IT support. This ensures a quick deployment while maintaining flexibility to integrate seamlessly with existing workflows and third-party services.   The platform also allows white-label customization, enabling businesses to deliver a branded experience that reflects their commitment to employee success.   •    Support for Multiple Offerings – Manage all investment opportunities in one place. •    Customizable Access – Grant permissions to all employees or specific groups. •    Unified Portal – Facilitate onboarding, showcase offerings, place orders, and sign subscription agreements – all on one seamless platform •    Comprehensive Investor Communications  – Provide performance updates, distribute tax information, and share important documents effortlessly. •      Liquidity Management  – Seamlessly manage liquidity and enable secondary trading as necessary to meet employee and organizational needs. •      Educational Resources  – Empower employees with the knowledge they need to make informed investment decisions through accessible and relevant materials.   Comprehensive Lifecycle Management   Templum’s solution provides comprehensive tools to manage the entire investor lifecycle, including:   Onboarding – Simplify the process with electronic workflows. Risk Tolerance & Suitability Reviews – Meet regulatory requirements with risk tolerance assessment tools. Order Processing and Payments – Streamline transactions with integrated payment rails. Ongoing Support – Deliver a seamless experience with dedicated customer service capabilities. Post-Trade Reporting – Enhances efficiency, accuracy, and transparency by streamlining compliance, reducing manual errors, and providing real-time insights into trade activities.   Unite Your Workforce and Align Interests   Manual processes often bog down firms, diverting resources from important strategic initiatives. Templum’s automated platform ensures that administrative tasks like subscription agreements and order processing are handled efficiently. The result? Enhanced productivity and a more focused, motivated team.   An aligned workforce is an engaged workforce. By providing employees with easy access to firm-sponsored investment opportunities, Templum helps organizations build stronger connections between employee financial success and corporate performance. This alignment fosters loyalty and drives a shared sense of purpose.   Discover how Templum’s Employee Investment Marketplace can transform your organization by reaching out to our sales team at sales@templuminc.com or visit our website for more information on Templum Marketplace Solutions and start driving success through intuitive investment solutions.

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