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Where to Invest $100,000 Right Now, According to Experts

Investors face a dilemma. When the S&P 500 finished its worst quarter since 2022 last month, diversifiers like bonds and bitcoin fell too.

Even with the turnaround in mid-April, analysts at Goldman Sachs and Vanguard have projected low-single-digit annualized returns from 2024-2034.

Bloomberg asked where experts would personally invest $100,000 for their March monthly edition.

One answer that surfaced for a second time? Art.

It's what billionaires like Bezos and the Rockefellers have privately used to diversify for decades.

Why?

  1. Appreciation. The ArtPrice100 Index outpaced the S&P 500 overall from 2000 to 2025

  2. Low-correlation. The postwar contemporary segment has moved independently of traditional investments like stocks since ‘95.*

  3. Resilience. A scarce, physical, and global asset class with decades of demonstrated demand.

Thanks to the world's premier art investing platform, now anyone can invest in works featuring legends like Banksy, Basquiat, and Picasso, without needing millions.

Shares in new offerings can sell quickly but...

*According to Masterworks data. Investing involves risk. Past performance is not indicative of future returns. See important Reg A disclosures at masterworks.com/cd.

Today Haiti remains a heavily indebted nation and one of the poorest nations in the Western Hemisphere. While international lenders canceled Haiti’s debt following its massive 2010 earthquake; There are additional loans, institutional decay, & mismanagement of public debt and international’s nonprofit’s aid that caused public administration to use this free money as an easy, yet hard to pay as the economic developmen becomes a hefty debt to improve the livelihoods and living standards of Haitians. This rise of economic aid is linked to lack of planning for years as public officials continueto benefit in the short term of all these donations….

Haiti’public debt in 2025 is forecast to equal roughly 12 percent of its GDP according to the IMF. Government spending is spiraling out of control through international trade agreements, commercial agreements to justify the government’s spending.With rampant insecurity and stability, the country’s economy has additional strain to grow. To foster economic development and growth, Haiti needs long term solutions for its public debt with management mechanisms by investing in urban infrastructure and local production capabilities to improve economic performance. Haiti’s public debt is still low compared to highly developed developing nations, however it needs effective strategies to generate higher growth rates with more creation of jobs with low cost of capital borrowing to reduce debt-to-GDP ratios. 

With a mix of corporate debt and household debt that don’t exceed 2-3 percent of national budget, they can create more practical ways to finance it with a long term plan. With a mixed of debt, they will grow economy by accelerating business development & startup growth with equity ownership & physical assets. All corporate debt will go toward investments in tangible assets to help increase productivity, grow, & scale with a diverse offering or fund higher education to train their employees. While household debt can drive consumption initially but, all financial firms have to measure their growth rate in terms limiting to charge high fees, not to approve non-credit worthy loans and credit-worthy businesses with Garantors.

With National Security Fund, more people will have the opportunity to set additional money aside to invest in nationally-owned businesses to contribute to this fund to help buy more long-term assets to offset rising inflation & high costs of living.. This will help improving short-term liquidity, help more individuals to start investing in long-term financial assets, spending wisely on producing assets to increase their income and regulate their habits to have more wealth building strategies and take more risks to create new assets to shield themselves from economic downturns, extreme poverty, & financial stress through aid. Haitian government should utilize well-functioning credible internationally and nationally firms for debt management, advisory, consulting to optimize its debt composition and take advantage of low-interest financing from MDBs like Inter-American Development Bank or launch its own public development bank like Ugandan Development bank or Rwanda Development Bank to derisk investment capital of international and diaspora investors s & promote private capital investment across sectors and industries.

Why Sovereign Wealth funds matter for Haiti

Sovereign wealth funds (SWFs) are state-owned investment funds that manage national assets (like foreign exchange reserves, commodity revenues, or privatization proceeds) with long‑term goals such as stability, development, and intergenerational savings. Haiti currently has no sovereign wealth fund. For a fragile, aid‑dependent, and disaster‑prone economy like Haiti’s, creating one or more well‑designed SWFs could be a powerful way to shift from short‑term survival to long‑term, self‑financed development.

Below are key reasons why SWFs are crucial to economic development in general, and why they are particularly important for Haiti’s context.

1. From aid dependence to self‑financed development

Many low‑income countries rely heavily on foreign aid, remittances, and volatile capital flows to fund basic services and infrastructure. SWFs help replace that model with a domestic pool of long‑term capital owned and controlled by the country itself.

  • An SWF can transform temporary windfalls (for example, debt relief, privatization revenues, telecom licenses, mining royalties, or one‑off grants) into a permanent, income‑generating asset base.

  • Caribbean experience shows that when small island economies set up SWFs, the funds can measurably raise real income per person over time, by stabilizing budgets and financing long‑term investments.

  • Globally, SWFs now manage over 11 trillion dollars, and many are explicitly used to support strategic industries, infrastructure, and national development priorities, not just to earn financial returns.

For Haiti, this means future exceptional inflows (from natural resources, large concessional packages, or major asset sales) could be captured into a permanent national fund instead of being consumed in a few years through fragmented projects and recurrent spending. Haiti Investment Fund is activated to capture the national investment in various sectors to increase growth opportunities . This fund model will be managed by FOCO Finance Group for a fixed fee of the total assets under management (AUM) and operated by a third party financial management firm ( A Request for Proposal to be issued). As a result, this builds up trust nd independency to help increase capital allocation and attract new capital investment to the Fund from Diaspora Direct Investors(DDI), Foreign Direct Investors (FDI) , Government Agencies( GA), Philanthropic Institutions( PI), Public Development Institutions ( PDI), and Local Development Institutions ( LDI) such local banks, community banks, and Cooperative institutions ( Non-formal Financial institutions ). The Fund will start with $1,000,000.00 powered and funded by The Economic Pledge, this is Haiti Executive Board’s replenishment mechanism to support the country-owned, locally-controlled, and sector growth-led sovereign funds to support startup and mid-sized businesses with local currencies instead of foreign currencies to facilitate transactions in Haitian-dominated Gourde to increase its value.

2. Stabilizing a fragile, shock‑prone economy

Haiti is extremely vulnerable to external and domestic shocks: natural disasters, commodity price swings, political crises, and fluctuating aid. These shocks translate into big swings in public revenues, making planning difficult and forcing abrupt cuts to social and investment spending.

Well‑designed SWFs often combine two roles:

  • Stabilization: A portion of the fund is used as a buffer so that when revenues fall (for example, customs revenues or specific royalties), the government can draw on the fund to maintain essential spending.

  • Savings: Another portion is invested for the long run, to build wealth for future generations and avoid the “boom‑and‑bust” cycle that many resource‑rich or aid‑dependent countries face.

In Trinidad and Tobago, for example, an SWF created around energy revenues has helped maintain public expenditure and support growth even when commodity prices declined, with an estimated substantial gain in real income per capita over decades. Similar stabilization and savings functions could help Haiti smooth out crises and avoid having schools, hospitals, and infrastructure projects collapse every time there is a shock.

3. Financing infrastructure and productive sectors

A crucial challenge in Haiti is the lack of long‑term finance for infrastructure and productive investment—especially in energy, transport, agriculture, and industrial zones. SWFs, especially “sovereign development funds,” are increasingly used worldwide as tools to finance exactly those gaps. FOCo Finance Group is working providing strategic and long term finance for development through sector growth and economic diversification by attracting private capital in sector-specific fund .

Strategic development SWFs tend to:

  • Co‑finance major infrastructure such as ports, roads, and power plants, often through public‑private partnerships.

  • Support sectors with high growth and employment potential by providing patient, equity‑like capital where private investors are reluctant to go alone.

  • “Crowd in” private investment by sharing risks, offering co‑investment platforms, and signaling that the state is committed to long‑term development in specific sectors.

In Africa, many SWFs explicitly target small and medium enterprises, national “champion” companies, and infrastructure aligned with national plans. For Haiti, a development‑oriented SWF could prioritize:

  • Agricultural value chains and food security.

  • Renewable energy and grid expansion.

  • Tourism zones, industrial parks, logistics, and digital infrastructure.

  • Urban upgrading and resilient housing.

This aligns with emerging Haitian and international thinking that Haiti must shift from a model of consumption and imports to one of production, value addition, and infrastructure‑led growth. This private-led development can accelerate more investment into urbanized projects and structurally-improved development mechanisms to help more Haitians in the diaspora to participate actively in local economies to shift the non-performing economic cycles in key sectors …

4. Attracting and structuring private and diaspora investment

Haiti’s private sector faces high risk, limited access to long‑term capital, and weak financial markets. At the same time, the Haitian diaspora sends billions of dollars in remittances, much of which goes to consumption rather than investment. SWFs can help bridge this gap.

  • SWFs often create co‑investment vehicles and platforms that allow foreign and local investors to invest alongside the fund in vetted, strategic projects.

  • Because the fund has a long‑term horizon and a development mandate, it can accept slightly lower short‑term returns to catalyze projects that unlock wider economic benefits, making them bankable for private partners.

  • A Haitian SWF could create specific windows for diaspora co‑investment, giving Haitians abroad a transparent, professionally managed instrument to invest in national projects rather than in isolated ventures.

International experience shows that when SWFs are credible, well‑governed, and linked to national strategies, they can play a key role in “unlocking” both domestic and foreign private capital. For Haiti, this could be transformative for building industrial clusters, financial hubs, and regional development projects mentioned in recent Haitian policy discussions.

5. Strengthening institutions, governance, and national ownership

Effective SWFs require strong governance: clear rules for inflows and outflows, investment policies, professional management, and transparency. When these elements are put in place, SWFs can actually become vehicles for better public financial management and stronger economic institutions.

Key institutional benefits include:

  • Clear fiscal rules tied to the fund (for example, deposits above a revenue threshold, limited and rule‑based withdrawals) that help discipline public spending.

  • Separation between political cycles and long‑term investment decisions, through independent boards, audited reporting, and adherence to international standards such as the Santiago Principles.

  • A concrete symbol of national ownership and sovereignty over development financing, reducing the perception that development is purely donor‑driven.

In Haiti’s case, where governance challenges and public distrust are significant, a transparently managed SWF could become a focal point for rebuilding confidence—especially if it publishes regular reports, has citizen oversight mechanisms, and is clearly linked to national development priorities like jobs, food security, and resilience.

6. Designing SWFs for Haiti’s specific reality

Most famous SWFs were built from oil or commodity surpluses, but global practice has expanded: SWFs now also draw on non‑commodity surpluses, foreign reserves, privatization receipts, and other public assets. Haiti has no large oil or gas export sector, so its SWF model must fit its own structure and constraints.

Possible funding sources could include:

  • Exceptional, time‑limited inflows (large donor packages, debt relief savings, sales of state assets, telecom and mining licenses).

  • Earmarked shares of revenues from specific sectors (for example, future mining royalties, port fees, or energy concessions).

  • “Seed” equity contributions from development partners, structured as long‑term capital into a Haitian sovereign development fund rather than classic project aid.

The mandate could combine:

  • A stabilization window to protect essential spending during shocks.

  • A development window investing in infrastructure, productive sectors, and SMEs.

  • A modest savings component to build assets for future generations as the economy grows.

For Haiti, the crucial point is that an SWF framework anchors a long‑term, Haitian‑led strategy for using scarce capital, aligning donors, diaspora, and private investors around national priorities, instead of fragmented, short‑term projects with little cumulative impact.

Haitian policymakers, Haitian investors, professionals or students can become the advocate to support a growing SWF to tackle economic development through a shared risk profile. Haiti’s development partners, foreign investors, and the general public can now have a legitimate pathway to invest in long term economic development projects in Haiti as risks are subdued by the Sovereign Wealth Funds to allocate in local economies to create wealth and derisk international’s capital investment. The sovereign wealth funds for Haiti can be tailored more precisely to strategic strategic sectors like sports development , tourism , and agribusiness that can increase access and opportunities more quickly to the general pubic to improve their livelihoods and living standards. FOCO Finance Group will launch its first two sector growth funds with Haiti Tourism Ventures and Haiti Sports Ventures.

In order to contribute to a more urban and developed Haiti in next two decades and beyond, take The Economic Pledge to help us plan the Haiti Vision 2050.

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Special Mentions: l Nicolas Paul

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