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 five different investment options with varying target returns and liquidity profiles based on the strategy’s investment objectives.

Regular income paid quarterly

No development finance

Target portfolio average loan to value of 65%

5+ years track record and delivering 100% on investment objectives

0% losses within credit fund and 0% drawdowns in NAV across all classes

Well diversified underlying mortgage portfolio with historical low arrears

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

Fund Information

CURRENCY	AUD
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 YEAR	2 YEAR P.A.	3 YEAR P.A.	5 YEAR P.A.	SINCE INCEPTION P.A.	SINCE INCEPTION CUMULATIVE	INCEPTION DATE
FLEXI ACCOUNT (ON REQUEST)	2.19%	1.71%	1.89%	2.03%	2.05%	12.59%	NOV 17
NOTICE ACCOUNT (90 DAYS’ NOTICE)	3.88%	3.59%	3.62%	–	3.60%	13.53%	FEB 20
TERM CREDIT ACCOUNT (1 YEAR PERIOD)	5.80%	5.30%	5.23%	5.17%	5.08%	33.50%	NOV 17
HIGH YIELD ACCOUNT (2 YEAR PERIOD)	6.06%	6.02%	6.41%	–	6.56%	31.74%	MAY 19

FLEXI ACCOUNT (ON REQUEST)
1 YEAR	2.19%
2 YEAR P.A.	1.71%
3 YEAR P.A.	1.89%
5 YEAR P.A.	2.03%
SINCE INCEPTION (P.A.)	2.05%
SINCE INCEPTION CUMULATIVE	12.59%
INCEPTION DATE	NOV 17

NOTICE ACCOUNT (90 DAYS’ NOTICE)
1 YEAR	3.88%
2 YEAR P.A.	3.59%
3 YEAR P.A.	3.62%
5 YEAR P.A.	–
SINCE INCEPTION (P.A.)	3.60%
SINCE INCEPTION CUMULATIVE	13.53%
INCEPTION DATE	FEB 20

TERM CREDIT ACCOUNT (1 YEAR PERIOD)
1 YEAR	5.80%
2 YEAR P.A.	5.30%
3 YEAR P.A.	5.23%
5 YEAR P.A.	5.17%
SINCE INCEPTION (P.A.)	5.08%
SINCE INCEPTION CUMULATIVE	33.50%
INCEPTION DATE	NOV 17

HIGH YIELD ACCOUNT (2 YEAR PERIOD)
1 YEAR	6.06%
2 YEAR P.A.	6.02%
3 YEAR P.A.	6.41%
5 YEAR P.A.	–
SINCE INCEPTION (P.A.)	6.56%
SINCE INCEPTION CUMULATIVE	31.74%
INCEPTION DATE	MAY 19

Returns as of 30th September 2023.

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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.