The RAM Australia Credit Fund USD Class aims to provide investors with an attractive USD income stream with capital stability. The fund invests in a highly diversified portfolio of fully regulated, conservative mortgages secured against high quality residential and commercial property in major cities.
Provides investors with a strong and stable income stream, outperforming traditional short term fixed income investments.
Focused on the preservation of capital and the payment of regular income with lower volatility and full capital FX hedge.
Units are priced in USD with all inflows/outflows and income payments paid in USD Currency.
Strong track record with no losses, and loan arrears below that of the Australian prime home loan arrears index provided by global rating agency Standard & Poorʼs.
Please note: an investment in this fund is not a bank deposit and is only available to wholesale clients as defined in the Corporations Act 2001 (Cth) of Australia. Redemptions are only possible if fund is liquid.
FEATURED ON ADVISER VOICE
CURRENCY | USD – Capital Hedged into AUD |
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TRADING | Monthly Dealing, 6-Month or 12-Month Fixed Term |
UNDERLYING ASSETS | Australian Dollar Bank Deposits, Registered Mortgages and Property Backed Securities with capital hedge to USD. |
DISTRIBUTIONS | Quarterly |
INVESTMENT AMOUNT | Minimum USD $100,000 |
EXIT FEES | Nil when held to maturity |
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INVESTMENT MANAGER & TRUSTEE | Real Asset Management Pty Ltd |
MORTGAGE SERVICER | Brighten Financial Pty Ltd |
FX HEDGE COUNTERPARTY | Major Trading Banks |
AUDITOR | PKF |
1 MONTH | 3 MONTH | 6 MONTH | 1 YEAR | 2 YEAR P.A. | 3 YEAR P.A. | 5 YEAR P.A. | SINCE INCEPTION P.A. | SINCE INCEPTION CUMULATIVE | INCEPTION DATE | |
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6 MONTH FIXED TERM ACCOUNT (6 MONTH PERIOD) |
0.52% | 1.38% | 2.71% | 5.64% | – | – | – | – | 5.64% | JUN 23 |
12 MONTH FIXED TERM CREDIT (1 YEAR PERIOD) |
0.47% | 1.37% | 2.76% | 5.63% | 5.31% | – | – | 4.76% | 12.32% | JAN 22 |
Returns as of 31st July 2024
*Distribution rate net of management fees, which is a variable rate reviewed monthly. An investment in the Fund is not a bank deposit. The capital value and rates of return from the Fund are variable and not guaranteed and are determined by the future revenue of the Fund and may be lower than expected. Withdrawal rights are subject to liquidity and may be delayed or suspended. This document is for informational and illustrative purposes only and should not be construed as legal, tax, investment or other advice. This document does not constitute an offer to sell, or the solicitation of an offer to buy, any securities. It is open only to investors who are “wholesale clients” as defined in section 761G or 761GA of the Corporations Act 2001 (Cth) of Australia. The distribution of this document does not constitute any regulated activities by any personnel in the relevant jurisdiction where such distribution would be unlawful until the requirements of the laws of such jurisdiction have been met. All investments involve the potential for a loss of capital. Prospective investors should seek separate, independent financial and professional advice if required prior to making an investment to assess the suitability, lawfulness and risks involved. The information contained herein does not have any regard to the specific investment objectives, financial situation or the particular needs of any person. No representation or warranty, expressed or implied, is given by Real Asset Management Group or its affiliated companies or its respective directors, officers, representatives and/or employees (the “Parties”) as to the accuracy or completeness of the material, information or opinions contained in this presentation and the Parties shall have, and accept, no liability for any statements, opinions, information or matters (expressed or implied) arising out of, contained in or derived from this presentation or any omissions from this presentation, or any other written or oral communication transmitted or made available to any other party for distribution to the general public but for intended recipients only and may not be published, circulated, reproduced or distributed in whole or part to any other person without the written consent of Real Asset Management Group or its affiliated companies.
Australian Fixed Interest Finalist 2024 IMAP Managed Account Awards
Australian Fixed Interest Finalist 2023 IMAP Managed Account Awards
Australian Fixed Interest Winner 2021 IMAP Managed Account Awards
Australian Fixed Interest Winner 2020 IMAP Managed Account Awards
Australian Fixed Interest Winner 2019 IMAP Managed Account Awards
Other Asset Classes Winner
Financial Services Council Member
Responsible Investment Association Australasia Member