Brian Dally continues his conversation with Groundfloor head of investments Robert Varghese on lessons from past downturns amid inflation and rate volatility, emphasizing not panicking, having a plan, and diversifying, including through private markets. Varghese says Groundfloor’s 300,000 investors are seeking higher yield, diversification, access to new asset classes, and lower volatility supported by hard assets. He explains how Groundfloor’s Notes are positioned as CD-like but backed by pools of real estate loans and offering higher returns. He outlines plans to expand private market offerings beyond real estate lending and contrasts Groundfloor’s origination-first approach with competitors.

00:00 Welcome Back Part Two

00:36 Lessons From Downturns

03:08 Why Retail Investors Shift

04:51 Notes Program And 2026

08:51 Notes Versus Bank CDs

11:06 What Makes Groundfloor Different

15:29 Rapid Fire Q And A

18:03 Misconceptions About Hard Money

19:22 Career Advice For Managers

21:13 Final Thanks And Outro

Beyond the Stock Market podcast: https://groundfloor.com/podcast

Connect with Brian Dally on LinkedIn: https://www.linkedin.com/in/bdally/

Connect with Robert Varghese on LinkedIn: https://www.linkedin.com/in/j-robert-varghese-cmt-b340338/

References:

• ​Groundfloor Notes: https://groundfloor.com/notes/
• Clayton Christensen: https://www.christenseninstitute.org/
• High Yield Investor by Sam Smith: https://www.youtube.com/@SamuelDividends
• Public Enemy, Fight the Power: https://www.youtube.com/watch?v=mmo3HFa2vjg