In 2022, investors and lenders looking for opportunities — and risk mitigation—have more options than ever. Evolving regulations means an evolved investment landscape, with institutional players and an emerging trend of high-net worth individuals driving investment across the financial sector. Another factor driving investors towards alternative investments is the difficult dynamic in the market today. An investor may find it challenging to replace or supplement their income in retirement while relying on their fixed income returns. Current performance of bonds and CDs, coupled with rising costs of living across the nation, changes the formula for retirement entirely.