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 & USD
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 MONTH 3 MONTHS 6 MONTHS 1 YEAR 2 YEAR P.A. 3 YEAR P.A. SINCE INCEPTION P.A. SINCE INCEPTION CUMULATIVE INCEPTION DATE
FLEXI ACCOUNT (ON REQUEST) 0.55% 0.55% 1.11% 2.25% 2.25% 2.25% 2.23% 7.63% NOV 17
NOTICE ACCOUNT (90 DAYS’ NOTICE) 0.89% 0.89% 1.82% 3.68% 3.59% 3.90% FEB 20
FIXED TERM ACCOUNT (1 YEAR PERIOD) 1.23% 1.23% 2.50% 5.07% 5.08% 5.08% 4.94% 17.44% NOV 17
HIGH YIELD ACCOUNT (2 YEAR PERIOD) 1.74% 1.74% 3.54% 7.22% 6.99% 13.20% MAY 19
FLEXI ACCOUNT (ON REQUEST)
1 MONTH 0.55%
3 MONTHS 0.55%
6 MONTHS 1.11%
1 YEAR 2.25%
2 YEAR P.A. 2.25%
3 YEAR P.A. 2.25%
SINCE INCEPTION (P.A.) 2.23%
SINCE INCEPTION CUMULATIVE 7.63%
INCEPTION DATE NOV 17
NOTICE ACCOUNT (90 DAYS’ NOTICE)
1 MONTH 0.89%
3 MONTHS 0.89%
6 MONTHS 1.82%
1 YEAR 3.68%
2 YEAR P.A.
3 YEAR P.A.
SINCE INCEPTION (P.A.) 3.59%
SINCE INCEPTION CUMULATIVE 3.90%
INCEPTION DATE FEB 20
FIXED TERM ACCOUNT (1 YEAR PERIOD)
1 MONTH 1.23%
3 MONTHS 1.23%
6 MONTHS 2.50%
1 YEAR 5.07%
2 YEAR P.A. 5.08%
3 YEAR P.A. 5.08%
SINCE INCEPTION (P.A.) 4.94%
SINCE INCEPTION CUMULATIVE 17.44%
INCEPTION DATE NOV 17
HIGH YIELD ACCOUNT (2 YEAR PERIOD)
1 MONTH 1.74%
3 MONTHS 1.74%
6 MONTHS 3.54%
1 YEAR 7.22%
2 YEAR P.A.
3 YEAR P.A.
SINCE INCEPTION (P.A.) 6.99%
SINCE INCEPTION CUMULATIVE 13.20%
INCEPTION DATE MAY 19

In the Media

Industry Recognition

“Our Investment Philosophy is built around keeping the investment process simple and transparent and ensuring our clients are at the centre of everything we do.”

Scott Wehl
Founder & Group CEO