HeyJaredSamuel’s Substack
How to invest smarter, reduce taxes, and protect your family's legacy.
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- Sep 29, 2026
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- Sep 19, 2026
Latest issues
Forget the 7% 30yr Mortgage (opens the original)
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How to buy real estate without a +7% mortgageIf you have a large, diversified investment portfolio, a 7%+ 30-year mortgage isn’t the only way to fund a purchase.For some families we work with, we skip the mortgage entirely and borrow against their portfolio using box spread loans instead.On a $1,000,000 balance in today’s market, it might look like:30-year fixed mortgage: ~7.03% rate, about $70,300 per year in interestBox spread loan: ~4.60% implied rate, about $46,000 per year in interestThat’s
Treasuries Yield 5.2%. Should You Sell Stocks? (opens the original)
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Would you rather own stocks or collect 5.2% from Treasuries?Rising rates have a lot of people asking this. So at what yield does it make sense to sell stocks and buy bonds?It depends.Historically, the level of Treasury yields alone has been a poor predictor of subsequent stock returns (even though it’s a great predictor of subsequent bond returns). What matters more is what you’re paying for earnings, and why rates are high.High rates from strong growth and earnings? Stocks can do fine.High rate
Expand Your Efficient Frontier (opens the original)
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When most people hear private credit, they immediately think of direct lending to PE firms financing leveraged buyouts.But that’s only one part of the market!Private credit is really just capital that is lent privately instead of through public bond markets.And it touches every part of the economy.I love:1. Finding niche, idiosyncratic, uncorrelated risk drivers2. Organizing them by tax-exempt vs taxable for asset location purposesSome tax-exempt private lending opportunities could include:• Aff
$20M Synthetic VPF Case Study (VIDEO) (opens the original)
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In my latest video, I walk through how we redesigned a $20 million concentrated stock portfolio using synthetic variable prepaid forwards (synthetic VPFs) to:Reduce single‑stock risk without selling the sharesUnlock meaningful liquidity without triggering an immediate tax billTransition into a more diversified, tax‑aware portfolio over time instead of all at onceI also explain how several tax-efficient strategies can work together as part of a broader plan, including:
Box Spread Loan Considerations (opens the original)
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Here’s everything that wasn’t said on the box spread loan webinar yesterday<img alt="" class="sizing-normal" height="565" src="https://substackcdn.com/image/fetch/$s_!V1z4!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-pos
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