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

*source Austrade

188 Universal Account Fund Structure

Our Professional Partners

An Experienced team providing a complete packaged solution


ADMINISTRATOR & CUSTODIAN


TRUSTEE


AUDITOR & TAX ADVISOR

Your Dedicated SIV Management Team

Scott Wehl

Founder, Group CEO

Scott Wehl

Founder, Group CEO

Scott has over 24 years of experience in Global Wealth Management and Corporate Banking working for top tier global banks in Australia, London, and Hong Kong.

Prior to founding Real Asset Management, Scott was a Managing Director and Head of Banking Products International for UBS Wealth Management (“UBS WM”), leading a team of finance professionals in 17 countries. Over a 13 year career with UBS WM, Scott held various roles including the Head of Banking Products in the United Kingdom, and Head of Banking Products Asia Pacific. Prior to joining UBS WM, Scott began his finance career in corporate banking with National Australia Bank in Brisbane Australia.

Scott holds a Bachelor of Commerce from Griffith University Australia, and an Executive MBA jointly from Kellogg Business School and the Hong Kong University of Science and Technology.

Scott Kelly

Managing Director, CEO Australia

Scott Kelly

Managing Director, CEO Australia

Scott has over 27 years of experience in Global Wealth Management and Asset Management, working for top tier financial institutions in Australia and the United Kingdom.

Prior to joining Real Asset Management, Scott was a Managing Director and Head of Investment Products and Services for UBS Wealth Management Australia. There he oversaw the entire product offering for Australia’s premier wealth manager with $A24bn of assets under management. Scott has also held the position of National Sales Director for Macquarie Private Wealth Australia and prior to this Scott co-founded and was Managing Director of Corazon Capital, a specialist wealth and asset management business based in Jersey. Scott was also the Joint Head of Private Clients at Kleinwort Benson, after starting his financial career with Mercury Asset Management in London.

Scott holds a B.A. (Hons) degree in Business Management from the University of Leeds and is a Chartered Member of the Chartered Institute of Securities & Investment, UK.

William Chai

Managing Director

William Chai

Managing Director

William has over 26 years of experience in International Banking and Wealth Management.

Prior to joining Real Asset Management, William was a Vice President in Private Banking at Credit Suisse Hong Kong. There he maintained and developed a portfolio of high net worth clients from the Greater China region. Prior to this, William worked for National Australia Bank as Head of Migrant Banking Asia and the Canadian Imperial Bank of Commerce, where over a 16 year career based in Canada, Hong Kong and Beijing, William was responsible for the Asian Banking team and the Canadian investor immigration programs.

Williams holds a B.A., Business Management from the Central University of Iowa, USA and speaks fluent English, Cantonese and Mandarin.

Agnes Liu

Director, Business Development

Agnes Liu

Director, Business Development

Agnes has over 18 years of experience in Client Relations and Administration, working for leading institutions in Australia and Hong Kong.

Agnes joined Real Asset Management in 2013, in the position of Director Business Development. Agnes is a specialist in Global Investment Immigration programs including Australia’s Significant Investor Visa /188C, having advised dozens of clients on the program since its exception in 2012.

Agnes holds a B.A. degree in Hotel and Hospitality Management from University of Strathclyde. Agnes is a licensed estate agent. She is fluent in English, Cantonese and Mandarin.

Thomas Hou

Director, Client Advisor

Thomas Hou

Director, Client Advisor

Thomas holds the position of Director, Client Advisor with Real Asset Management Australia, and is based in Sydney.

Thomas has over 17 years of experience in Wealth Management and Client Relationship Management. Prior to joining Real Asset Management, Thomas was a Wealth Management Manager for Industrial and Commercial Bank of China, Sydney. There as a senior business development manager, Thomas was responsible for private and institutional client acquisition and relationship management. Prior to this, Thomas worked for First Prudential Markets as Senior Sales Account Manager, Origin Energy as an Energy Trading Analyst, and ANZ E*TRADE Australia Securities Limited as a Senior Bi-lingual Client Services Representative.

Thomas holds a Bachelor of Science and a Bachelor of Arts from the University of New South Wales, and a Master of Environmental Engineering Management from the University of Technology, Sydney. Thomas speaks fluent English and Mandarin.

Prissy Soo

Associate Director, Client Advisor

Prissy Soo

Associate Director, Client Advisor

Prissy holds the position of Associate Director, Client Advisor with Real Asset Management Australia, based in Kuala Lumpur and oversees the South East Asian region.

Prior to joining Real Asset Management, Prissy has 14 years of banking experience where she worked with Citibank Berhad and CIMB Investment Bank Berhad; specializing in Mortgage, Wealth Management and Client Relationship Management to high net worth clients.

Prissy holds a Bachelor of Commerce from University of Sydney. Prissy speaks fluent English and Bahasa Melayu.

Michael Frearson

Director, Portfolio Manager

Michael Frearson

Director, Portfolio Manager

Michael has over 22 years of experience in Global Wealth Management and Asset Management, working for leading financial institutions in Australia.

Prior to joining Real Asset Management, Michael was a Senior Portfolio Manager for Macquarie Bank in the Discretionary Managed Accounts business. He has over 12 years’ experience as Portfolio Manager, working as a senior member of the investment team managing in excess of $1 bn in clients discretionary funds and was directly responsible for over $440m in clients fixed interest and credit investments, as well as previous experience managing Equities and A-REITs, Strategic Asset Allocation and Tactical Asset Allocation. His previous experience within Macquarie Bank includes trading, derivatives, client advisory and money market activities. Michael’s first role with Macquarie was as a Stock Exchange operator where he developed a keen passion and knowledge of listed investments, and was a SEATS Governor for the ASX. Michael also worked at Westpac Bank as a securities officer prior to his role with Macquarie.

Michael holds degrees in Commerce and Finance from Adelaide University (B Com & B Fin), has completed a Post Graduate Diploma in Applied Finance and Investment, is a CFA Charterholder, and Fellow of the Financial Services Institute of Australia (F Fin).

Will Gray

Director, Head of Real Estate

Will Gray

Director, Head of Real Estate

Will has over 20 years of experience in Real Estate markets including 13 years in institutional Real Estate Funds Management working for top tier domestic and global institutions.

Prior to joining Real Asset Management as Head of Real Estate, Will was a Fund Manager at LaSalle Investment Management for 7 years overseeing numerous products including core, core plus, value add and opportunistic property funds. In his leading role, Will worked across all functions from opportunity identification, acquisition due diligence, all treasury related matters, asset management, leasing and development management. Prior to joining LaSalle Investment Management, Will worked for Queensland Investment Corporation (QIC) as a portfolio analyst across QIC’s two flagship wholesale funds (circa $A 13bn under management) and also worked in a dual role in establishing and investigating new real estate business lines and opportunities in Real Estate markets. Will also gained extensive transactions experience prior to this in his role as a capital transactions executive at an ASX listed investment trust.

Will holds a degree in Property Economics from the Queensland University of Science and Technology, and a Post Graduate Certificate in Applied Finance and Investment. Will is also a registered real estate agent and is a member of Large Format Retailers Association, the Property Council of Australia and the Urban Land Institute.

Industry Recognition

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

Australian
Investment Council
Member

Australian
Securitisation Forum
Member

In the Media

08.03.2021 Wealth Adviser
Real Asset Management commits to pay equity leadership
08.01.2021 Australian Property Markets News
RAM Picks up Private Hospitals in Taree & Dubbo
22.12.2020 Property Funds World
Real Asset Management secures private hospital portfolio
22.12.2020 Australian Property Journal
RAM injects $100m into Tassie hospital
18.12.2020 Queensland Times
Plans to extend shopping centre, add new gym
17.12.2020 Australian Financial Review
RAM bulks up for $500m REIT float with triple hospital deal
17.09.2020 IMAP
2020 IMAP Award for Fixed Interest category
21.08.2020 Money Management
The future of property
07.08.2020 The Courier Mail
Quality tenant helps seal Redcliffe healthcare deal
09.07.2020 Australian Financial Review
Investors ‘looked up the food chain’ but now eyeing smaller retail
14.03.2020 The Morning Bulletin
Yeppoon watering hole sells for $6.5m
10.03.2020 The Morning Bulletin
Coastal pub sells for $6.5m
06.03.2020 The Courier Mail
Pub sale strategy on track
05.03.2020 The Hotel Conversation
Next stop for Railway Hotel in Yeppoon JLL
29.01.2020 Real Commercial
Companies weigh up potential listings of property trusts on ASX
19.01.2020 Australian Financial Review
Goldman lending deal to Brighten residential property push
27.03.2019 The Fifth Estate
Shopping centres use solar to generate more income
27.03.2019 One Step Off The Grid
Solar Bay inks deal to install solar on nine major shopping centres
26.03.2019 Australian Financial Review
RAM generates solar income stream
25.03.2019 Australian Financial Review
RAM creates new income stream from mall solar deal
10.10.2018 Australian Financial Review
RAM turns from malls to medicine with new $300m health property fund
18.09.2018 Your Mortgage
Non-bank lender set to rescue neglected borrowers
14.09.2018 Mortgage Business
Foreign-backed lender to target ‘orphaned’ borrowers
14.09.2018 Australian Broker
Mortgage lender secures $500m funding
12.09.2018 Australian Financial Review
Non-bank lending: Fund manager RAM secures $500m of wholesale funding
01.09.2018 Australian Financial Review
Perspectives
30.05.2018 Money Management
Should investors avoid these two sectors?
05.04.2018 Australian Financial Review
RAM add 11th mall to $300 million retail property fund
07.02.2018 Australian Financial Review
10 malls in 18 months: fund manager RAM builds Amazon-proof portfolio
10.07.2017 Australian Financial Review
Surge in neighbourhood shopping centre sales
25.06.2017 Australian Financial Review
High yields: Sydney’s RAM buys Tassie mall for $39m
04.04.2017 Australian Financial Review
Real Asset Management takes $41m Broadway Plaza in Punchbowl
27.01.2017 The Courier Mail
RAM is on the hunt for Australian defensive retail assets
06.01.2017 The Courier Mail
Fund manager RAM Group fends off a surge of interested buyers to snap up a NightOwl Convenience Centre in North Lakes
11.12.2016 Australian Financial Review
Ocean Grown Abalone heads to ASX on clean and green China demand
21.09.2016 Australian Financial Review
Wheel maker Carbon Revolution raises $50m to expand
all media posts

“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
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