RAM Australia Credit Fund

Providing regular income through secured Australian property credit

  • Up to 5.75%* p.a. target income paid quarterly
  • 4+ years track record and delivering 100% on investment objectives
  • 0% losses within credit fund and 0% drawdowns in NAV across all classes
  • $0 Exit Fees

 

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Overview

The RAM Australia Credit Fund (“RACF”) aims to provide investors with stable income through an investment predominantly in Australian property credit secured by registered mortgages in major cities.

The fund provides investors with four different investment options with varying target returns and liquidity profiles based on the strategy’s investment objectives.

Pooled investment in Australian residential and commercial mortgages plus residential mortgage backed securities

No development finance

Regular income paid quarterly

Full independent valuation
(majority Melbourne, Sydney and Brisbane)

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 & Poor’s

Target portfolio average loan to value of 65% with maximum of 80% for any one loan

Fund Information

CURRENCY AUD
MORTGAGE SERVICER AMAL Asset Management Pty Ltd
DISTRIBUTIONS Quarterly, Variable
INVESTMENT AMOUNT Minimum $100,000 AUD
INVESTMENT MANAGER Real Asset Management Pty Ltd
AUDITOR PKF
1 YEAR 2 YEAR P.A. 3 YEAR P.A. SINCE INCEPTION P.A. SINCE INCEPTION CUMULATIVE INCEPTION DATE
FLEXI ACCOUNT (ON REQUEST) 1.23% 1.74% 1.91% 1.99% 10.18% NOV 17
NOTICE ACCOUNT (90 DAYS’ NOTICE) 3.29% 3.49% 3.38% 9.29% FEB 20
TERM CREDIT ACCOUNT (1 YEAR PERIOD) 4.81% 4.94% 4.99% 4.84% 26.18% NOV 17
HIGH YIELD ACCOUNT (2 YEAR PERIOD) 5.98% 6.59% 6.81% 6.54% 24.22% MAY 19
FLEXI ACCOUNT (ON REQUEST)
1 YEAR 1.23%
2 YEAR P.A. 1.74%
3 YEAR P.A. 1.91%
SINCE INCEPTION (P.A.) 1.99%
SINCE INCEPTION CUMULATIVE 10.18%
INCEPTION DATE NOV 17
NOTICE ACCOUNT (90 DAYS’ NOTICE)
1 YEAR 3.29%
2 YEAR P.A. 3.49%
3 YEAR P.A.
SINCE INCEPTION (P.A.) 3.38%
SINCE INCEPTION CUMULATIVE 9.29%
INCEPTION DATE FEB 20
TERM CREDIT ACCOUNT (1 YEAR PERIOD)
1 YEAR 4.81%
2 YEAR P.A. 4.94%
3 YEAR P.A. 4.99%
SINCE INCEPTION (P.A.) 4.84%
SINCE INCEPTION CUMULATIVE 26.18%
INCEPTION DATE NOV 17
HIGH YIELD ACCOUNT (2 YEAR PERIOD)
1 YEAR 5.98%
2 YEAR P.A. 6.59%
3 YEAR P.A. 6.81%
SINCE INCEPTION (P.A.) 6.54%
SINCE INCEPTION CUMULATIVE 24.22%
INCEPTION DATE MAY 19

Industry Recognition

Who is RAM​?

Real Asset Management (RAM) is an Australian owned Wealth and Asset Manager specialising in Real Estate, Credit and Private Equity markets, for institutions and wealthy families globally.​

RAM was founded in 2010 and has a pan-asia presence of 5 offices in Sydney, Melbourne, Brisbane, Shanghai and Hong Kong. RAM provides more than 15 investment strategies and has a team of over 100 finance professionals managing in excess of A$3.7bn in assets.​

 

MORE ABOUT US

Invest with RAM

Make an appointment with one of our Client Advisors

Suite 3201, Level 32, Australia Square, 264 George Street, Sydney NSW 2000
Level 46, Rialto South Tower 525 Collins Street Melbourne VIC 3000
Suite 2004, Level 20, Riverside Centre 123 Eagle Street, Brisbane QLD 4000
info@ramgroup.com
+61 02 8880 6688
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