Pooled, not allocated to you alone
Your capital goes into the same unlisted private book as the KeyRock allocation. You hold a pooled position valued against the tier's net asset value, not a direct stake in a named company.
Tiers
Choose the tier that matches your horizon
Listed from the highest tier value down. Fund from $200 upward. Higher tiers access more asset classes and higher monthly targets, and also carry more risk and longer lock-ups. Both are true at once. Targets are monthly; the annualized column shows what each would compound to over a year.
| Tier | Balance | Net monthly target | Annualized equivalent | Structure | Risk | Liquidity |
|---|---|---|---|---|---|---|
| Diamond | $50,000+ | 20-22% net monthly targetTarget range, not a guarantee | 8.9x - 10.9x a yearIf the monthly rate compounded all year | Joint planPooled with the KeyRock allocation | Very high | Contractual lock-up; notice period typically 90-180 days |
| Platinum | $10,000 - $49,999 | 19-21% net monthly targetTarget range, not a guarantee | 8.1x - 9.8x a yearIf the monthly rate compounded all year | Joint planPooled with the KeyRock allocation | High | Quarterly windows; longer for venture holdings |
| Gold | $2,500 - $9,999 | 18-20% net monthly targetTarget range, not a guarantee | 7.3x - 8.9x a yearIf the monthly rate compounded all year | Listed and liquid only | Elevated | Quarterly windows for the private sleeve |
| Silver | $200 - $2,499 | 17-19% net monthly targetTarget range, not a guarantee | 6.6x - 8.1x a yearIf the monthly rate compounded all year | Listed and liquid only | Moderate | T+2 business days for most positions |
| Bronze | $0 - $200 | 16-18% net monthly targetTarget range, not a guarantee | 5.9x - 7.3x a yearIf the monthly rate compounded all year | Listed and liquid only | Lower | T+1 business day for listed positions |
Targets are net monthly ranges for the tier as a whole. The annualized column is that monthly rate compounded over twelve months. The target is an objective, not a guarantee of any specific outcome, and past performance does not indicate future results.
Joint plans
What joint means before you choose
Diamond, Platinum are joint plans. So is what "joint" actually describes.
Illiquid on the same terms
Joint plans carry the liquidity profile of their tier: quarterly windows for Platinum, and a contractual lock-up with a notice period for Diamond. Being pooled with the company does not create an exit.
A target, never a promise
The target range is a long-term net annual objective for the tier. It is not guaranteed, can be negative, and co-investment does not protect your capital where the underlying holding fails.
What sits in each tier
Where the money actually goes
Four asset families, each with its own risk and liquidity profile. The mix widens as the tier rises.
Listed equities
Publicly traded shares and index funds. Prices are published continuously, so positions can be sold on ordinary market days. Returns are volatile and can fall sharply.
Fixed income and credit
Bonds and credit instruments, including private credit vehicles. Private credit pays for illiquidity: issuers may default and repayment dates can move.
Unlisted private holdings
Private company equity. There is no public market to sell into, valuations rely on assumptions rather than bids, and a position commonly takes 5-10 years to return capital. Most private investments lose some or all of their value.
Real assets
Commodity and property exposure, generally through funds. These can help diversification but still track volatile underlying prices.
Custody
What protection actually applies
The real coverage positions for client assets, not a blanket reassurance.
Where assets are held
A qualified custodian or client-notional arrangement, as described in the account agreement
SIPC coverage
Client assets are not currently held at a SIPC-member broker-dealer, so SIPC protection does not apply. No claim of SIPC coverage should be made.
Bank deposit insurance
Client cash is not currently held in an FDIC-insured account, so no FDIC coverage applies.