Investment Grade Credit Fund

An open-ended, low-risk credit fund designed to provide investors with access to a diversified pool of investment-grade Australian credit assets. The Fund targets a return of the RBA Cash Rate + 2.85% (post fees).

Fund performance

Aimed at investors seeking a portfolio investment with a preference for income and capital preservation, the Investment Grade Credit Fund is suitable for self-managed super fund investors, retirees, fixed-income and retail or wholesale investors looking to add a secure, higher-yielding fund to their investment portfolio backed by Investment Grade credit assets. Choose between monthly distributions or reinvest to grow your wealth.1

* Target returns are not guaranteed. Past returns are not a reliable indicator of future performance. 

1 Assets of the fund are both publicly and privately and shadow rated securities, refer to the PDS for rating methodology information.

 

Capability
8.59% p.a

Annualised return p.a (after fees)*

Capability
100%

Principal & Interest returned

Capability
+851

Underlying credit contracts

Performance of the Remara Investment Grade Credit Fund

Month Total Return RBA Active Gain
January 0.69% 0.36% 0.33%
February 0.74% 0.34% 0.40%

Fund & performance documents

Fund Documents

View general fund information including the Fund's Product Disclosure Statement

2025 Performance Reports

View current and historical fund performance documents including the Credit Opportunities Fund monthly update report.

Quarterly Market Updates

A comprehensive look at the markets & what may lie ahead.

Why choose our Investment Grade Credit Fund?

Are you looking for a higher return on your investment with the added benefit of consistent monthly distribution payments? With our Investment Grade Credit Fund, you can access a diversified pool of credit investments not commonly available to investors. The Fund may suit conservative or lower-risk investors looking for a regular income with the added benefit of increased diversification across their investment portfolio. Invest confidently and gain access to high-grade credit assets with an attractive risk-adjusted return from a portfolio of over 19,000 individual loans.

Fund details

Our Investment Grade Credit fund is classified as low risk. It is available to all investors domiciled in Australia. We aim to deliver returns exceeding the RBA cash rate + 2.85% per annum* to investors after fees. This Fund is ideal for investors seeking stable high returns and monthly distribution payments while maintaining regular access to their funds. Investors can withdraw monthly during the specified withdrawal window, subject to fund liquidity.

* Target returns are not guaranteed. Past returns are not a reliable indicator of future performance.

Full fund specifications

Fund Name
Remara Investment Grade Credit Fund
Investment Manager
Remara Investment Management Pty Ltd
Trustee/Responsible Entity
AMAL Fund Services Limited (ACN 658 186 488)
Unit Registry
Remara Investment Management Pty Ltd
Custodian
Perpetual Corporate Trustees Limited
Fund Auditor
Ernst & Young Australia
Return Profile
The Fund seeks to return in-excess of the RBA Cash Rate + 2.85% (post fees)
Unit Class
Monthy Units
Unit Price
$1.00/unit
Risk Level
Low
Investment Horizon
Perpetual. Suggested minimum investment time frame of 2-5 years.
Investor Eligibility
All Australian domiciled investors including retail investors
Minimum Investment
10,000 units
Distributions
The Fund intends to pay monthly distributions, subject to the Fund having sufficient distributable income. While the Fund has a Target Return (which is equivalent to a target distribution rate), distributions are not guaranteed and may be less or more than the Target Return. Distributions will be reinvested in the Fund to acquire additional monthly units unless an investor requests for distributions to be paid out in cash.
Management Fees
0.65% p.a.
Performance Fees
NIL
Withdrawals
Monthly subject to fund liquidity

Why invest in investment-grade credit?

Considered a lower-risk investment option, investment-grade credit may suit retail and wholesale investors with a low-risk profile looking for a conservative alternative investment opportunity to traditional market investments, such as shares or bonds. Typically, investment-grade credit has a risk of default of less than 0.20%*, depending on its classification. Our Investment Grade Credit Fund is ideal for investors looking for a more competitive rate of return, regular monthly distribution payments and added portfolio diversification.

* Based on standard risk measurement methodology over a 20-year performance.

Find out more

Frequently asked questions

Is the target return of RBA Cash Rate + 2.85% guaranteed?

The return is not guaranteed and is subject to underlying market conditions. The return (post fees) could be higher or lower than the target return.

 

When are the monthly distribution payments made?

Distributions are paid on or around the 15th of each month. Investors can apply to be paid in cash via their nominated bank account.

Can I reinvest my distribution?

Distributions can be reinvested back into the Investment Grade Credit Fund. Investors can apply to have their monthly distributions paid out in cash into their nominated bank account.

Can I withdraw my investment?

Investors are provided with an open period each month to apply to withdraw their invested funds if they wish to do so.

Is Remara a bank?

No, Remara is an investment manager regulated by the Australian Investment and Securities Commission via a Financial Services Licence.

Is an investment into the Investment Grade Credit Fund covered under the Commonwealth deposit guarantee scheme?

No, as Remara is not an Australian deposit taking institution, the investment is not covered under the guarantee.

How do I invest?

You can easily open an account and invest in our online investor portal. We have made the application process fast and easy to do, plus you can reach out to our team should you have any questions. You can also apply via the Remara Investment App downloadable for Apple and Android.

How long do I need to commit my money to the Fund?

There is no minimum commitment period however the Responsible Entity only expects to provide monthly redemptions for holders of Monthly Units.

How do I make additional investments?

Investors may make additional investments by completing the Application Form which can be accessed at Remara Investor Portal or via the Remara Investment App. Additional investments may only be made in increments of 1,000 units unless otherwise agreed upon by the Manager.

What measures are in place to provide capital protection?

The Fund is not considered a capital protected or capital guaranteed product; however, Remara undertakes extensive due diligence with the aim of preserving capital. Measures include in-depth analysis on undertaken loans, first-loss provisions, and restrictions on borrowers in the form of covenants. However, there is no guarantee investors in the Fund will not incur losses.

Looking to invest?

Download our fund information pack containing our Product Disclosure Statement and Fund overviews docs or apply now.

  • Download information pack
  • Speak with our team
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