ClickCease RAM Australia Credit Fund - RAM

RAM Australia Credit Fund

Providing regular income through secured Australian property credit

  • Up to 6.10%* p.a. target income paid quarterly
  • 6+ 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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Flexi
Account

2.35

%
p.a.
ON REQUEST

Notice
Account

4.00

%
p.a.
90 DAYS' NOTICE

6 Month Fixed
Term Credit

4.85

%
p.a.
6 MONTH PERIOD

12 Month Fixed
Term Credit

5.85

%
p.a.
1 YEAR PERIOD

High Yield
Account

6.10

%
p.a.
2 YEAR PERIOD

USD 6 MONTH FIXED TERM CREDIT

5.25

%
p.a.
6 MONTHS PERIOD
USD TARGET INCOME PAYABLE QUARTERLY

USD 12 MONTH FIXED TERM CREDIT

5.50

%
p.a.
1 YEAR PERIOD
USD TARGET INCOME PAYABLE QUARTERLY
RACF AUD Fact sheet RACF USD Fact sheet

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 five different investment options with varying target returns and liquidity profiles based on the strategy’s investment objectives.

Regular income paid quarterly
No development finance
Target portfolio average loan to value of 65%
6+ years track record and delivering 100% on investment objectives
0% losses within credit fund and 0% drawdowns in NAV across all classes
Well diversified underlying mortgage portfolio with historical low arrears

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

RAM Australian Credit Fund rated ‘Superior’ by SQM Research

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REQUEST REPORT

Request the SQM Research Report

Request a copy of the RAM Australia Credit Fund SQM Research Report . Please note: this report has been prepared for financial advisers only.

SQM Research is an investment research firm that undertakes research on investment products exclusively for its wholesale clients, utilising a proprietary review and star rating system. Information contained in this document attributable to SQM Research must not be used to make an investment decision. The SQM Research rating is valid at the time the report was issued, however it may change at any time. While the information contained in the rating is believed to be reliable, its completeness and accuracy is not guaranteed. The SQM Research star rating system is of a general nature and does not take into account the particular circumstances or needs of any specific person. Only licensed financial advisers may use the SQM Research star rating system in determining whether an investment is appropriate to a person’s particular circumstances or needs. You should read the product disclosure statement and consult a licensed financial adviser before making an investment decision in relation to this investment product. SQM Research receives a fee from the Fund Manager for the research and rating of the managed investment scheme.

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Fund Information

CURRENCY AUD
MORTGAGE SERVICER Brighten Financial Pty Ltd
DISTRIBUTIONS Quarterly, Variable
INVESTMENT AMOUNT Minimum $100,000 AUD
INVESTMENT MANAGER Real Asset Management Pty Ltd
AUDITOR PKF
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
FLEXI ACCOUNT (ON REQUEST) 0.59% 1.19% 2.28% 1.86% 1.90% 2.04% 2.01% 13.26% NOV 17
NOTICE ACCOUNT (90 DAYSʼ NOTICE) 1.01% 2.03% 3.97% 3.63% 3.65% – 3.48% 14.67% FEB 20
6 MONTH FIXED TERM ACCOUNT (6 MONTH PERIOD) 1.22% 2.46% 4.85% – – – 4.18% 5.25% NOV 22
12 MONTH FIXED TERM CREDIT (1 YEAR PERIOD) 1.47% 2.97% 5.89% 5.42% 5.30% 5.21% 4.98% 35.47% NOV 17
HIGH YIELD ACCOUNT (2 YEAR PERIOD) 1.54% 3.10% 6.15% 5.91% 6.33% – 6.31% 33.77% MAY 19

 

FLEXI ACCOUNT (ON REQUEST)
3 MONTH 0.59%
6 MONTH 1.19%
1 YEAR 2.28%
2 YEAR P.A. 1.86%
3 YEAR P.A. 1.90%
5 YEAR P.A. 2.04%
SINCE INCEPTION (P.A.) 2.01%
SINCE INCEPTION CUMULATIVE 13.26%
INCEPTION DATE NOV 17
NOTICE ACCOUNT (90 DAYSʼ NOTICE)
3 MONTH 1.01%
6 MONTH 2.03%
1 YEAR 3.97%
2 YEAR P.A. 3.63%
3 YEAR P.A. 3.65%
5 YEAR P.A. –
SINCE INCEPTION (P.A.) 3.48%
SINCE INCEPTION CUMULATIVE 14.67%
INCEPTION DATE FEB 20
6 MONTH FIXED TERM ACCOUNT (6 MONTH PERIOD)
3 MONTH 1.22%
6 MONTH 2.46%
1 YEAR 4.85%
2 YEAR P.A. –
3 YEAR P.A. –
5 YEAR P.A. –
SINCE INCEPTION (P.A.) 4.18%
SINCE INCEPTION CUMULATIVE 5.25%
INCEPTION DATE NOV 22
12 MONTH FIXED TERM CREDIT (1 YEAR PERIOD)
3 MONTH 1.47%
6 MONTH 2.97%
1 YEAR 5.89%
2 YEAR P.A. 5.42%
3 YEAR P.A. 5.30%
5 YEAR P.A. 5.21%
SINCE INCEPTION (P.A.) 4.98%
SINCE INCEPTION CUMULATIVE 35.47%
INCEPTION DATE NOV 17
HIGH YIELD ACCOUNT (2 YEAR PERIOD)
3 MONTH 1.54%
6 MONTH 3.10%
1 YEAR 6.15%
2 YEAR P.A. 5.91%
3 YEAR P.A. 6.33%
5 YEAR P.A. –
SINCE INCEPTION (P.A.) 6.31%
SINCE INCEPTION CUMULATIVE 33.77%
INCEPTION DATE MAY 19

Returns as of 29th February 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.

Industry Recognition

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

Who is RAM​?

Real Asset Management (‘RAM’) is an Australian alternative asset manager, providing investment solutions in Credit, Real Estate, 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$4.3bn in assets.

We provide a global set of investment solutions through our group companies licensed by the Australian Securities and Investment Commission of Australia (AFSL 484263), and the Securities & Futures Commission of Hong Kong (CE BGL803).

​
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
[email protected]
+61 02 8880 6688
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