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

Please note: an investment in this fund is not a bank deposit and is only available to wholesale clients as defined in the Corporations Ac 2001 (Cth) of Australia.

FLEXI ACCOUNT (On Request)

1.23%* p.a.

Flexible and Defensive

Provides investors with a higher yield than traditional savings accounts whilst also offering access to your money at limited notice.

Low Risk Profile

Assessed as “low” risk accordingly to the Australian Financial Services Council Standard Risk Measures.

NOTICE ACCOUNT (90 Days’ Notice)

3.13%* p.a.

Higher Interest Rate

Provide investors with income consistently in excess of that available from bank bills and similar money market investments.

Stability

Provide a stable reoccurring income whilst also retaining a conservative risk proﬁle.

FIXED TERM ACCOUNT (1 Year Period)

4.48%* p.a.

Superior Interest Rate

Provides investors with a strong and stable income stream, outperforming traditional short term fixed income investments.

Consistent Returns

Focused on the preservation of capital and the payment of regular income, with lower volatility than other typical ﬁxed income and credit investments.

HIGH YIELD ACCOUNT (2 Year Period)

5.48%* p.a.

High Yield

Provides investors with an enhanced income stream through an investment in credit assets secured on Australian real property.

Institutional Asset Class

Opportunity to invest in high yield Residential Mortgage Backed Securities, not generally available to individual investors.

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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)	0.56%	0.56%	1.12%	2.25%	2.25%	2.25%	2.28%	8.83%	DEC 17
NOTICE ACCOUNT (90 DAYS’ NOTICE)	0.91%	0.91%	1.83%	3.68%	–	–	3.82%	5.80%	MAR 20
FIXED TERM ACCOUNT (1 YEAR PERIOD)	1.25%	1.25%	2.51%	5.07%	5.08%	5.08%	5.07%	20.39%	DEC 17
HIGH YIELD ACCOUNT (2 YEAR PERIOD)	1.76%	1.76%	3.54%	7.20%	7.22%	–	7.29%	17.20%	MAY 19

FLEXI ACCOUNT (ON REQUEST)
1 MONTH	0.56%
3 MONTHS	0.56%
6 MONTHS	1.12%
1 YEAR	2.25%
2 YEAR P.A.	2.25%
3 YEAR P.A.	2.25%
SINCE INCEPTION (P.A.)	2.28%
SINCE INCEPTION CUMULATIVE	8.83%
INCEPTION DATE	DEC 17

NOTICE ACCOUNT (90 DAYS’ NOTICE)
1 MONTH	0.91%
3 MONTHS	0.91%
6 MONTHS	1.83%
1 YEAR	3.68%
2 YEAR P.A.	–
3 YEAR P.A.	–
SINCE INCEPTION (P.A.)	3.82%
SINCE INCEPTION CUMULATIVE	5.80%
INCEPTION DATE	MAR 20

FIXED TERM ACCOUNT (1 YEAR PERIOD)
1 MONTH	1.25%
3 MONTHS1.24	1.25%
6 MONTHS	2.51%
1 YEAR	5.07%
2 YEAR P.A.	5.08%
3 YEAR P.A.	5.08%
SINCE INCEPTION (P.A.)	5.07%
SINCE INCEPTION CUMULATIVE	20.39%
INCEPTION DATE	DEC 17

HIGH YIELD ACCOUNT (2 YEAR PERIOD)
1 MONTH	1.76%
3 MONTHS	1.76%
6 MONTHS	3.54%
1 YEAR	7.20%
2 YEAR P.A.	7.22%
3 YEAR P.A.	–
SINCE INCEPTION (P.A.)	7.29%
SINCE INCEPTION CUMULATIVE	17.20%
INCEPTION DATE	MAY 19

Returns as at 31 September 2021.

* 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.