Benefits of the 188 Universal Account

We identify a portfolio structure that has strong focus on income generation and capital stability from defensive assets, whilst providing growth investments in Equities, Venture Capital and Property. Each investment portfolio is carefully hand selected by the RAM team together to achieve the client’s objectives and satisfy the Significant Investment Visa Investment requirements.

It’s secure

All products in 188 UA are 100% compliant for the Significant Investor Visa

It saves you time

All tax, legal and reporting is taken care of for you by our team of experts.

It’s flexible

You can switch between different qualifying investments at no cost and no risk to your SIV status

It’s tax efficient

The 188 UA is a tax efficient structure.

You’re in control

You’re 100% in control of investment decisions. Choose your own portfolio of investments to meet your investment objectives.

It’s transparent

Your personal investment portfolio can be viewed at any time through our dedicated web portal – RAM Investor Portal.

SIV is a Premium Investment Visa Scheme granting you immediate residency in Australia.

With SIV, you get:

  • Immediate residency, work and study rights for four years
  • Residency, work and study rights for your extended family
  • Freedom to work in and travel to and from Australia without limitation
  • Right to purchase residential property as a principal place of residence
  • Pathway to Australian citizenship given after 4 year Visa term
  • Australia’s premier investor visa with preferred approval process

SIV requirements

  • Invest $5 million AUD in a qualifying investment for four years
  • Sponsorship from a State Government
  • Visit Australia for cumulatively 160 days over a four year period
  • No English test
  • No age limit
  • No business skills requirement

1. State Nomination

  • Submit Expression of Interest (“EOI”) through the Australian Skill Select Website
  • Apply for State nomination from the Australian State you wish to migrate to
  • Select “188 Universal Account” as the ASIC Regulated Managed Fund Complying Investment
  • Obtain “Form 1413” for the “188 Universal Account” free of charge

2. SIV Application

  • Lodge the SIV application with the Australian Department of Immigration and Border Protection (“DIBP”)
  • Application must also contain supporting documentation including source of funds

3. SIV Approval and Investment

  • Client notified of Approval in Principal from DIBP and invited to make their SIV Complying Investment
  • Client remits funds to the 188 Universal Account Applications Trust Account in Australia, and is provided with an “Investment Confirmation Statement” of their complying Investment
  • Formal SIV approval is granted by DIBP upon receipt of the Investment Confirmation Statement

4. 188 Universal Investments

  • A personal RAM Client Advisor will be assigned to you providing dedicated ongoing support
  • Through the unique 188 Universal Account structure you may switch your investment into a range of investment opportunities
Complying Investment Framework

Applicants are required to invest at least $5 million in complying investments, which must include:

A ‘balancing investment’ of up to $3 million in managed fund(s) or LICs that invest in a combination of eligible assets that include Australian listed securities, eligible corporate bonds or notes, annuities and real property (subject to the 10 per cent limit on residential real estate). At least $500,000 in eligible Australian venture capital or growth private equity (VCPE) fund(s) investing in start-up and small private companies.
At least $1.5 million in an eligible managed fund(s) or Listed Investment Companies (LICs) that invest in emerging companies; and

188 Universal Account Fund Structure

Our Professional Partners

An Experienced team providing a complete packaged solution




Your Dedicated SIV Management Team

Scott Wehl

Founder, Group CEO

Scott Kelly

Managing Director, CEO Australia

William Chai

Managing Director

Agnes Liu

Director, Business Development

Thomas Hou

Director, Client Advisor

Prissy Soo

Associate Director, Client Advisor

Michael Frearson

Director, Portfolio Manager

Will Gray

Director, Head of Real Estate

Industry Recognition

In the Media

“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