RAM Australia Credit Fund USD Class

Overview

The RAM Australia Credit Fund USD Class aims to provide investors with an attractive USD income stream with capital stability. The fund invests in a highly diversified portfolio of fully regulated, conservative mortgages secured against high quality residential and commercial property in major cities.

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 and full capital FX hedge.

USD Currency

Units are priced in USD with all inflows/outflows and income payments paid in USD Currency.

Capital Stability

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 & Poorʼs.

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

FEATURED ON ADVISER VOICE

RAM Australian Credit Fund rated ‘Superior’ by SQM Research

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Request a copy of the RAM Australia Credit Fund SQM Research Report. Please note: this report has been prepared for financial advisers only.

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Message

SQM Research is an investment research firm that undertakes research on investment products exclusively for its wholesale clients, utilising a proprietary review and star rating system. Information contained in this document attributable to SQM Research must not be used to make an investment decision. The SQM Research rating is valid at the time the report was issued, however it may change at any time. While the information contained in the rating is believed to be reliable, its completeness and accuracy is not guaranteed. The SQM Research star rating system is of a general nature and does not take into account the particular circumstances or needs of any specific person. Only licensed financial advisers may use the SQM Research star rating system in determining whether an investment is appropriate to a person’s particular circumstances or needs. You should read the product disclosure statement and consult a licensed financial adviser before making an investment decision in relation to this investment product. SQM Research receives a fee from the Fund Manager for the research and rating of the managed investment scheme.

Fund Information

CURRENCY	USD – Capital Hedged into AUD
TRADING	Monthly Dealing, 6-Month or 12-Month Fixed Term
UNDERLYING ASSETS	Australian Dollar Bank Deposits, Registered Mortgages and Property Backed Securities with capital hedge to USD.
DISTRIBUTIONS	Quarterly
INVESTMENT AMOUNT	Minimum USD $100,000

EXIT FEES	Nil when held to maturity
INVESTMENT MANAGER & TRUSTEE	Real Asset Management Pty Ltd
MORTGAGE SERVICER	Brighten Financial Pty Ltd
FX HEDGE COUNTERPARTY	Major Trading Banks
AUDITOR	PKF

	1 MONTH	3 MONTH	6 MONTH	1 YEAR	2 YEAR P.A.	3 YEAR P.A.	5 YEAR P.A.	SINCE INCEPTION P.A.	SINCE INCEPTION CUMULATIVE	INCEPTION DATE
6 MONTH FIXED TERM ACCOUNT (6 MONTH PERIOD)	0.52%	1.38%	2.71%	5.64%	–	–	–	–	5.64%	JUN 23
12 MONTH FIXED TERM CREDIT (1 YEAR PERIOD)	0.47%	1.37%	2.76%	5.63%	5.31%	–	–	4.76%	12.32%	JAN 22

Returns as of 31st July 2024

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*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.