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
Provides investors with a higher yield than traditional savings accounts whilst also offering access to your money at limited notice.
Assessed as “low” risk accordingly to the Australian Financial Services Council Standard Risk Measures.
Provide investors with income consistently in excess of that available from bank bills and similar money market investments.
Provide a stable reoccurring income whilst also retaining a conservative risk proﬁle.
Provides investors with a strong and stable income stream, outperforming traditional short term fixed income investments.
Focused on the preservation of capital and the payment of regular income, with lower volatility than other typical ﬁxed income and credit investments.
Provides investors with an enhanced income stream through an investment in credit assets secured on Australian real property.
Opportunity to invest in high yield Residential Mortgage Backed Securities, not generally available to individual investors.
|MORTGAGE SERVICER||AMAL Asset Management Pty Ltd|
|INVESTMENT AMOUNT||Minimum $100,000 AUD|
|INVESTMENT MANAGER||Real Asset Management Pty Ltd|
|1 YEAR||2 YEAR P.A.||3 YEAR P.A.||SINCE INCEPTION P.A.||SINCE INCEPTION CUMULATIVE||INCEPTION DATE|
|FLEXI ACCOUNT (ON REQUEST)||1.23%||1.74%||1.91%||2.02%||10.18%||NOV 17|
|NOTICE ACCOUNT (90 DAYS’ NOTICE)||3.29%||3.49%||–||3.49%||9.29%||FEB 20|
|TERM CREDIT ACCOUNT (1 YEAR PERIOD)||4.81%||4.94%||4.99%||4.93%||26.18%||NOV 17|
|HIGH YIELD ACCOUNT (2 YEAR PERIOD)||5.98%||6.59%||6.81%||6.71%||24.22%||MAY 19|
|FLEXI ACCOUNT (ON REQUEST)|
|2 YEAR P.A.||1.74%|
|3 YEAR P.A.||1.91%|
|SINCE INCEPTION (P.A.)||1.99%|
|SINCE INCEPTION CUMULATIVE||10.18%|
|INCEPTION DATE||NOV 17|
|NOTICE ACCOUNT (90 DAYS’ NOTICE)|
|2 YEAR P.A.||3.49%|
|3 YEAR P.A.||–|
|SINCE INCEPTION (P.A.)||3.38%|
|SINCE INCEPTION CUMULATIVE||9.29%|
|INCEPTION DATE||FEB 20|
|TERM CREDIT ACCOUNT (1 YEAR PERIOD)|
|2 YEAR P.A.||4.94%|
|3 YEAR P.A.||4.99%|
|SINCE INCEPTION (P.A.)||4.84%|
|SINCE INCEPTION CUMULATIVE||26.18%|
|INCEPTION DATE||NOV 17|
|HIGH YIELD ACCOUNT (2 YEAR PERIOD)|
|2 YEAR P.A.||6.59%|
|3 YEAR P.A.||6.81%|
|SINCE INCEPTION (P.A.)||6.54%|
|SINCE INCEPTION CUMULATIVE||24.22%|
|INCEPTION DATE||MAY 19|
2021 IMAP Managed
2020 IMAP Managed
2019 IMAP Managed