# Is it time to reconsider the 60/40 portfolio?

Regardless of whether you held stocks or bonds, 2022 was a bad year for public markets. The S&P fell 20% year over year while U.S. bond investors had the worst-ever year on record. After a year of taking losses, it’s time to evaluate asset allocation.

When the ‘tried-and-true’ 60/40 portfolio no longer delivers returns, where can investors find growth? Private credit offers an alternative. Because these deals are privately negotiated, non-bank loans, they can command much higher interest rates and offer uncorrelated returns vs. traditional assets.

Thankfully, private credit deals are now easier to find and compare than ever before. [Percent](/content/learn-more/?utm_source=shortsqueez&utm_medium=partner/index.html) private credit marketplace provides accredited and institutional investors with access to a wealth of high yield, short duration offerings available with a low minimum investment.

Curious to learn more? Download our latest analysis to learn why allocating a portion of your portfolio to private credit offers an alternate path to growth, particularly in challenging markets.