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Private Credit Income Fund

Flagship open ended fund offering monthly distributions, quarterly redemptions, highly diverse pool of credit assets, achieving a 12.58% annualised return p.a. (post fees).

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Fund performance

When you invest in our private credit fund you not only have control and flexibility, but the choice of a secure long-term income through monthly payments or reinvestment plan. Build your personal and family’s wealth through a low risk, high yield approach.

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

Foresight Analytics has assigned a SUPERIOR investment rating and Product Complexity indicator of COMPLEX
Capability
12.58%

Annualised return p.a (after fees)*

Capability
100%

Principal & Interest returned

Capability
+5780

Underlying credit contracts

Performance of the Remara Private Credit Fund

  • 2024
  • 2023
  • 2022
Month Absolute RBA Active Gain Unit Price
January 1.14% 0.36% 0.78% $1.00
February 1.00% 0.36% 0.64% $1.00
March 1.14% 0.36% 0.78% $1.00

Source: Remara Investment Management. Past performance is not a reliable indicator of future performance. See below for defined terms.

Month Absolute RBA Active Gain Unit Price
January 1.01% 0.26% 0.75% $1.00
February 0.96% 0.28% 0.68% $1.00
March 1.00% 0.30% 0.70% $1.00
April 0.99% 0.30% 0.69% $1.00
May 1.00% 0.32% 0.68% $1.00
June 0.84% 0.35% 0.49% $1.00
July 0.93% 0.35% 0.58% $1.00
August 1.09% 0.35% 0.74% $1.00
September 1.11% 0.35% 0.76% $1.00
October 1.11% 0.35% 0.76% $1.00
November 1.10% 0.36% 0.74% $1.00
December 1.13% 0.36% 0.77% $1.00

Source: Remara Investment Management. Past performance is not a reliable indicator of future performance. See below for defined terms.

Month Absolute RBA Active Gain Unit Price
August 0.52% 0.15% 0.36% $1.00
September 1.06% 0.20% 0.86% $1.00
October 0.79% 0.22% 0.57% $1.00
November 0.88% 0.24% 0.64% $1.00
December 0.97% 0.26% 0.71% $1.00

Source: Remara Investment Management. Past performance is not a reliable indicator of future performance. See below for defined terms.

Fund & performance documents

Fund Documents

View general fund information including the funds investment rating report.

2024 Performance Documents

View current and historical fund performance documents including the Remara Private Credit Income Fund monthly update report.

2023 Performance Documents

View current and historical fund performance documents including the Remara Private Credit Income Fund monthly update report.

Quarterly Market Updates

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

Why choose our Private Credit Investment Fund?

Are you tired of low returns on your investments? Our Private Credit Fund could be the perfect solution. Offering a low-risk, high-yield approach that is currently achieving a 12.58% annualised return p.a. (after fees)* it is an ideal option for SMSF, fixed income and wholesale investors. With our extensive industry experience, commitment to our clients, and a consistent and flexible investment strategy, our aim is to make your money go further. Invest with Remara and watch your investments grow*.

* Past returns are not a reliable indicator of future performance. Target returns are not guaranteed nor is investment growth.

 

Benefits of our private credit fund /

Attractive return on investment

Our fund offers attractive yields and return on investment. With a track record of delivering 12.58% annualised returns (after fees) to our clients over the past three years, Remara will ensure you build on your investment returns. We aim to provide investors an annual return in excess of the RBA cash rate, plus an additional 4% per annum after fees. Remara utilises both fixed and floating instruments, ensuring in times of rapid interest rate changes, our investors are not on the wrong side of market movements.

Flexibility

We offer a fund that allows you easy access to your money. No more locking your funds away, unable to access them without penalties or withdrawal fees.1 With our private credit fund, you have the ability to withdraw funds one week each quarter, allowing you flexibility and cash when needed.

1 Please refer to the PDS for a full list of fees & other charges that may apply.
Consistent income

Our private credit fund offers you the added bonus of receiving a regular income and cashflow through monthly interest repayments into your nominated bank account. Alternatively, you can choose to reinvest and build your wealth further, earning not only on your principle investment, but the interest earned as well.

Low risk

Our role is to invest your money in a way that generates the highest return possible, whilst taking the least amount of risk.1 Actively structuring and investing on your behalf, our team re-evaluates and underwrites the portfolio quarter to quarter as part of our dedicated service and investment optimisation.

1 Target Returns are not Guaranteed. Past returns are not a reliable indicator of future returns.
Attractive structure

We offer a carefully selected portfolio of direct loans with adjusted returns that are not normally available to non-bank financial investors. We invest in quality personal loans, car loans, trade, business, real estate and debtor loans offering an attractive risk/reward structure.

Experience

We bring hands on experience and expertise to the table. Our senior members have over thirty years of individual experience in corporate lending and capital markets. Strong relationships and co alignment underpin all that we do. Working closely with a carefully selected network of portfolio companies, we source loans unavailable to many traditional investment companies. Offering higher return on investment with a lowered risk profile. Invest with certainty knowing your initial investment and accompanying return is our top priority.

Fund details

Our Private Credit fund carries a low risk rating and is open to Australian domiciled wholesale investors (as defined by the Corporations Act). We seek to return in excess of the RBA cash rate + 4.0% per annum* to investors after fees. This fund is suited to fixed income investors who are looking for high rate of return whilst being able to access their money on a regular basis. Investors can make withdrawals on a quarterly basis (March, June, September, December) during our withdrawal window.

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

Full fund specifications

Fund Name
Remara Private Credit – Income Fund
Investment Manager
Remara Investment Management Pty Ltd
Trustee/Responsible Entity
Melbourne Securities Corporation Limited (ACN 160 326 545)
Unit Registry
Remara Investment Management Pty Ltd
Custodian
Perpetual Coprorate Trustees Limited
Fund Auditor
Ernest & Young Australia
Return Profile
The fund seeks to return in-excess of RBA Cash Rate + 4.0% p.a. after fees
Risk Level
Low/Medium
Investment Horizon
Perpetual
Investor Eligibility
Australian domiciled wholesale investors (as defined by the Corporations Act), Family Units, SMSF, retail investors via investment platforms
Minimum Investment
A$10,000.00
Distributions
Monthly – 15th Each Month
Management Fees
0.50% p.a.
Performance Fees
NIL
Withdrawals
Quarterly fund withdrawal window (March, June, September, and December)

Why invest in private credit?

Private Credit offers investors an alternative asset class to the more traditional investment types such as those associated with equities, real estate, infrastructure and fixed income investments. This allows you the opportunity to invest directly into a variety of loan pools that are not distributed through a bank or broker. Covering a broad spectrum of investment types from opportunistic and distressed debt to middle market investing and specialty finance, that when selected and managed with experience and expertise provides an excellent portfolio coverage, with reduced risk and beneficial growth.

Investing in Private Credit, also provides security coverage over your initial investment (capital) with the yield enhancement of investing directly into the assets. This is one of the reasons why an investment in Private Credit offers flexibility, a low risk profile and a high return on investment.

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Frequently asked questions

Is the fund guaranteed to return a 12.58% annualised return p.a. (post fees)?

No, the Fund invests into a portfolio of underlying direct loans to borrowers across multiple product and asset classes. The return to fund investors is not guaranteed and is subject to underlying market conditions. The fund has a target return rate of 4% above the RBA cash rate. The underlying return post fees to investors could be higher or lower than the current 12.58% annualised return p.a. (post fees).*

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

When are distributions paid?

The Fund will pay monthly distributions on the 15th of each month.

Can I reinvest my distribution?

Yes, the fund offers a dividend reinvestment program.

Can I withdraw money from the fund?

Fund investors will have an open period at the end of each quarter to request a redemption. Redemptions will be completed 15 days after the end of the quarter. Investors should review the conditions around redemption in the Investment Memorandum.

Are the underlying loans secured?

The fund invests into secured bankruptcy remote trusts. The underlying loan portfolio within the trusts are all secured. The fund does not invest into unsecured loan products.

How does Remara manage credit risk?

Remara has established relationships with proven and profitable loan originators and servicers. Remara undertakes a review of the credit policy and sets stringent portfolio and credit parameters to ensure a tight credit structure is maintained. Remara, on a monthly basis, will monitor the ongoing credit of the investment portfolio. Each originator retains a ‘first loss’ position in the loan.

What is the 'first loss' position and how does it work?

Remara has structured its investments to require the loan originator to fund and retain a ‘first loss’ portion of the loan. This means in the event of a credit loss, the originators capital is paid last in the recovery scenario. This results in an improved credit enhanced position for fund investors as the originator is aligned to fund investors with their money at risk ahead of fund investors.

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 Private Credit fund covered by the Australian Government deposit guarantee?

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

What is the difference between a retail and a wholesale investor?

Retail Investor

You are a retail investor unless you satisfy at least one of the requirements to be classified as a wholesale investor under the Corporations Act 2001. Also known as a non-professional investor or an individual investor

Wholesale Investor

There are several criteria outlined in the Corporations Act, the most common include:

  1. You have net assets of at least $2.5m; or
  2. You have gross income for each of the last two financial years of at least $250k;
  3. You are willing to invest $500k or more into the fund.

To verify whether you satisfy the criteria referenced above, you must obtain an Accountant’s Certificate stating so.

Looking to invest?

Download our fund information pack containing our Product Disclosure Statement and Fund overviews docs, apply now or speak to one of our team.

  • Download Information Pack
  • Apply Now
  • Speak with our team
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Remara Investment Management Pty Limited (Remara or the Company) is the author and issuer of this Document.

This Document is either a prospectus nor a product disclosure statement regulated under the Corporations Act 2001 (Cth) (the Act). A copy is not required to be, and has not been, lodged with the Australian Securities and Investments Commission. It has been prepared only for issue to, and use by, prospective investors who qualify as sophisticated and wholesale clients as defined in the Act (Recipient) and is not intended to be received or read by anyone other than a Recipient. The issue of this Document to a Recipient does not constitute an offer to that Recipient in any form whatsoever. Remara is an authorised representative (AR:1283762) under AFSL Number: 546046.

The information contained in this Document or subsequently provided to the Recipient whether orally or in writing by, or on behalf of the Company or any of their respective related bodies corporate or any of their respective directors, officers, employees, agents, representatives and advisers (Parties) is provided to the Recipient on the terms and conditions set out in this notice.

Confidentiality

This Document is the property of Remara. By receiving this Document, the recipient agrees to keep its content confidential and agrees not to copy, supply, disseminate or disclose any information in relation to its content without Remara’s prior written consent.

No Advice

This Document is not investment advice and does not take into account the investment objectives, financial situation or particular needs of any Investor who receives or reads it. No person is authorized to provide information or to make a representation in connection with this proposed business concept that is not contained in this Document.

Any information or a representation in connection with a Company that is not contained in this Document may not be relied upon as having been authorised by the Company.

No Representation or Warrant

No representation or warranty, express or implied, is or will be made in relation to, and no responsibility or liability (whether for negligence under statute or otherwise) is or will be accepted by the Manager or by any of its officers, directors, shareholders, partners, employees or advisers (as relevant) as to or in relation to the accuracy or completeness of the information, statements, opinions or matters (express or implied) arising out of, contained in or derived from this Document or any omission from this Document or of any other written or oral information or opinions provided now or in the future to any interested party or its advisers. In particular, no representation or Warranty is given as to the achievement or reasonableness of any plans, future projections, prospects or financial returns and nothing in this Document is or should be relied upon as a promise or representation as to the future. The Manager expressly disclaims all liability for any loss or damage of whatsoever kind (whether foreseeable or not) which may arise from any person acting on any information and opinions relating to the company contained in this Document or any information which is made available in connection with any further enquiries, notwithstanding any negligence, default or lack of care. In furnishing this Document, the Manager undertakes no obligation to provide any additional information other than as specifically stated in this Document.

Forward-Looking Statements

This Document includes forward-looking statements generally identifiable by the use of the words ‘anticipate’, ‘believe’, ‘could’, ‘estimate’, ‘expect’, ‘intend’, ‘may’, ‘plan’, ‘seek’, ‘target’, ‘will’, or similar words. Such statements are only predictions, and are based on assumptions and estimates, and describe the Company’s future plans, strategies and expectations. They are subject to inherent risks and uncertainties that contribute to the possibility that the predictions, forecasts, projections and other forward-looking statements will not eventuate. Those risks and uncertainties include general economic conditions and prevailing exchange rates and interest rates as well as factors and risks specific to the industry in which the Company operates. Actual performance or events may be materially different from those expressed or implied in those statements. All forward-looking statements attributable to the Company or persons acting on behalf of the Company are expressly qualified in their entirety by the cautionary statements in this section. Except as expressly required by the Act, the Company undertakes no obligation to publicly update or revise any forward-looking statements provided in this Document whether as a result of new information, future events or

otherwise, or the risks affecting this information. None of the Company, its officers or any person named in this Document with their consent, or any person involved in the preparation of this Document, makes any representation or warranty (express or implied) as to the accuracy or likelihood of fulfilment of any forward-looking statement except to the extent required by law. The forward-looking statements reflect the views held only as at the date of this Document. Investors should not place undue reliance on forward-looking statements. 

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