Diversify Your Largest and
Most Concentrated Investment.
Most homeowners diversify their retirement accounts, savings, and investments—yet their single largest asset remains concentrated in one property, one neighborhood, and one local housing market.
Most families diversify their retirement accounts, investment portfolios, and savings over time. Yet the largest financial asset they own typically remains concentrated in a single property, located within one local housing market.
WHAT NO ADVISOR WOULD RECOMMEND
No pension fund, insurer, or asset manager would hold this concentration
manager would hold this concentration
Yet it is precisely how the majority of households are required to hold the largest investment of their lives. Harry Markowitz showed in 1952 that diversification reduces risk without sacrificing expected return. That insight has reshaped institutional investment, bank lending, insurance, and retirement saving — but it has never been applied, at scale, to owner-occupied housing.
THE GEOGRAPHY LESSON FROM 2008
Same Credit Score. Same Mortgage. Opposite Outcomes.
Opposite Outcomes.
Phoenix and Las Vegas lost more than half their value. Austin and the upper Midwest barely moved. Two homeowners with identical credit profiles and identical premiums met opposite fates — not because of creditworthiness, but because of ZIP code. That risk is what diversification is designed to absorb.
When a home is eventually sold, its performance is compared to the pool’s housing index over the same period. If a homeowner’s property underperforms the index, the pool pays the homeowner the difference, subject to program terms. If the property outperforms the index, the homeowner contributes a portion of that excess performance to the pool.
Homeowners retain ownership, occupancy, appreciation, and every other benefit of homeownership — while exchanging a portion of individual housing market risk for participation in a diversified national portfolio. No refinance required.
Based on modeled reduction in idiosyncratic geographic price exposure when participating in a nationally diversified pool.
required
Home Secure is available to existing homeowners without triggering a mortgage refinance event. Simple monthly subscription.
Pass our landing page to friends, family, neighbors, and coworkers who own a home and may be interested.
Every homeowner who registers helps demonstrate real consumer demand and moves development forward.
As a Founding Ambassador, you’ll have opportunities to provide feedback as the program evolves before public launch.
- Regular project updates as development progresses
- Recognition as an early supporter who helped bring Home Diversification to market
- Opportunities to provide feedback on program design and pricing
- Priority early access when the program becomes available
Help Shape The Future Of Homeownership.
We are evaluating consumer interest in Home Secure, a research-driven solution designed to address geographic concentration risk in residential real estate. Your responses will help us better understand homeowner needs and guide the continued development of the platform.
THANK YOU
Your response has been recorded, and you are now on the Home Secure Waitlist.
