12/06/2026
📉 The most expensive thing in your portfolio right now might be the part you think is "safe."
Take a hard look at where your conservative capital is parked — the CDs, the money market, the laddered Treasuries, the bond fund your advisor put you in three years ago. Subtract real inflation. Subtract federal tax on every penny of interest. Subtract the opportunity cost of money that could be working harder somewhere else.
What you're earning after all of that is somewhere between not much and nothing. Meanwhile the equity side of your portfolio gives back six months of gains in a bad week.
There's a quieter way that's been working for accredited investors right here on the Gulf Coast — fixed monthly yield, backed by real Alabama property you can drive past and touch.
🏡 Jubilee Opportunity Fund by Irby Capital — 10-14% fixed annualized (depending on chosen term), paid monthly or quarterly. $50K minimum, 1–3 year terms. Capital deployed across new-home construction in Mobile, AL. Self-directed IRA / 401(k) welcome. 1099-INT, no K-1.
🏗️ The shot above? An active project of ours in Mobile. Real dirt, real deeds, real returns. Not paper. Not promises.
If you're an accredited investor curious whether this might fit your portfolio:
→ DM us
→ Visit irbycapital.com/jubilee-fund
→ Call 251-313-EARN (3276)