RAM Private Credit Income Fund

Regular income paid monthly
Australian secured credit
Target portfolio average loan to value of 65%
No development finance or unsecured finance
Investment manager with 6+ years track record in credit, delivering 100% on investment objectives
0% losses within credit strategies and 0% drawdowns in NAV across all credit funds
Well diversified underlying mortgage portfolio with historical low arrears and experienced team managing the assets
Liquidity provided through access to a $2bn funding pool

Why Invest in RAM Private Credit Income Fund?

Provide investors with a continuous and reliable monthly income stream with a target return of RBA cash rate + 4.0%, through exposure to Australian secured credit, targeting an average LVR of 65%. Capital protection is enhanced by a robust credit approval process and ongoing loan management. Comprehensive credit assessment processes and full independent valuations are in place to mitigate risk.

ATTRACTIVE INCOME & CAPITAL STABILITY

Reliable, regular monthly income with a target return of RBA cash rate + 4.0%.

INSTITUTIONAL ASSET CLASS

Opportunity to invest in institutional asset class, not generally available to individual investors.

DIVERSIFICATION

Diversification on two levels – underlying portfolio and complementary nature of the asset class.

EXEMPLARY TRACK RECORD

The unlisted credit fund has 6-year track record with proven capital stability, meeting all distributions, no credit losses and strong arrears performance.

EXPERIENCED TEAM

Significant experience in managing credit portfolios, mortgage portfolios and sourcing continuous high quality investment opportunities.

END-TO-END OWNERSHIP OF RISK

Ensuring the quality of underlying assets, as evidenced by a consistent and proven track record.

Fund Information

FUND TYPE	Registered, open-ended unit trust
TARGET RETURN	RBA Cash Rate + 4% net of fees (currently 8.35% p.a.*)
INVESTMENT AMOUNT	Min. AUD 50,000
MANAGEMENT FEE	0.50% p.a.
DISTRIBUTIONS	Monthly

INVESTMENT MANAGER	Real Asset Management Pty Ltd
TRUSTEE	Melbourne Securities Corporation (“MSC Trustees”)
CUSTODIAN	Apex Fund Services Pty Ltd
AUDITOR	PKF
REGISTRY	SS&C Solutions Pty Limited
APIR CODE	MSC0761AU
PLATFORM	Mason Stevens, Netwealth, Fiducian

	1 MONTH	3 MONTHS	6 MONTHS	1 YEAR	2 YEAR P.A.	3 YEAR P.A.	5 YEAR P.A.	SINCE INCEPTION P.A.	SINCE INCEPTION CUMULATIVE	INCEPTION DATE
PRIVATE CREDIT INCOME FUND	0.71%	2.12%	4.23%	–	–	–	–	–	4.64%	JAN 24

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. GENERAL ADVICE WARNING: 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.