Infomarine On-Line Maritime News - This Income Fund Has Delivered a Consistent 8.1% Annualized Dividend — And It's Open to Non-Accredited Investors

Dividends are paid monthly, which means investors see income arrive as a steady stream of smaller cash payments rather than a single annual payout.

On a simple example, a $10,000 investment at an 8.1% annualized rate would generate roughly $810 per year in pre-tax income, assuming future performance resembles the historical figure — which, of course, is never guaranteed.

Arrived has also indicated that the fund aims to keep its yield roughly 2–3 percentage points above short-term Treasury yields over time.

That means payouts may rise or fall as interest-rate conditions change, rather than staying fixed forever.

Where The Yield Actually Comes From

The yield comes from the interest paid by borrowers on their short-term loans.

These loans typically carry higher rates than traditional bank mortgages because they finance more complex or time-sensitive projects — rehabs, construction, or transitional properties that banks often won't touch.

After accounting for defaults, fees, and operating costs, the remaining net interest is distributed to investors as cash dividends.

Loan underwriting focuses on a few core pillars: experienced borrowers with established track records, conservative loan sizing relative to property value, and first-lien security on the underlying real estate.

Together, those factors are designed to support a relatively stable income stream, even though risks like project delays, borrower issues, or a housing downturn can still impact results.

Liquidity, Risk, And Who This Is Really For

This is where expectations need to be clear. Unlike a savings account or money-market fund, the Private Credit Fund has limited liquidity.

Investors are generally expected to hold for about six months before requesting redemptions, and withdrawals are typically processed on a quarterly basis, subject to available cash and manager approval.

There's no FDIC insurance, and while loans are secured and conservatively underwritten, principal is still at risk. Defaults can happen, property values can fall, and returns can vary.

Because of that profile, this fund tends to make the most sense for investors who already have their true emergency fund covered, want higher income than public bonds or CDs currently offer, and are comfortable trading liquidity and safety for yield.

It also appeals to people who like the idea of real-estate-backed, interest-driven returns, rather than relying on property appreciation or stock market growth.

Where This Fits In A Portfolio

This isn't a replacement for cash, and it's not a substitute for low-risk government bonds.

It sits somewhere in between — a higher-yielding option for money you don't need immediately, but still want producing income.

For investors looking to step beyond the 4–5% world without jumping fully into equities or speculative assets, an 8%-targeting private credit fund can be a useful building block.

Not because it's flashy or guaranteed, but because it offers a clearer income profile than many alternatives, as long as you're honest about the risks and the lockup that come with it.