Is Private Credit the Next Financial Crisis?

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Издатель Mar 12, 2026

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In this video, I break down private credit investing, one of the fastest-growing areas in alternative investments, and explain whether investors should actually be concerned about the negative headlines surrounding the space. I walk through what private credit is, how direct lending works, why firms like Blackstone and Apollo dominate the market, and why private credit has become such a popular asset class for high-net-worth investors. We also discuss key concepts like floating-rate loans, senior secured debt, leveraged buyouts, credit spreads, and default risk, and why private credit has historically delivered strong income and diversification benefits compared to traditional fixed income investments.

I also explain how I think about using private credit inside client portfolios, including the role it can play alongside stocks, bonds, real estate, and other alternative assets. We discuss diversification across different lending strategies like asset-based lending, music royalties, litigation finance, and structured settlements, and why spreading risk across thousands of loans can reduce idiosyncratic risk. Finally, I walk through tax-efficient strategies for holding private credit, including asset location decisions between brokerage accounts, IRAs, and Roth accounts, and how high-net-worth investors can potentially maximize after-tax returns when allocating to private credit investments.
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About Me:
I’m Samuel Harnisch, a former All-American lacrosse player who transitioned my competitive edge into the world of finance. I graduated with a degree in finance and data analytics and went on to earn a Master’s in Applied Quantitative Finance. I hold both the CFA and CFP® designations, which highlight my expertise in investment management and financial planning. After starting my career at PIMCO, managing assets for global institutions, I moved to a multifamily office, where I helped families with $10M to $100M in assets. I’m passionate about making finance simple and empowering people to achieve financial independence.

Disclaimer
This Video is solely for informational purposes and is not offering advisory services or sales of securities. Investing involves risk and possible loss of principal. Nothing contained herein constitutes investment, legal, tax or other advice nor is it to be relied on in making an investment or other decision. There can be no assurance that an investment strategy will be successful.