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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 rolling annual return of 13.70% p.a. (post fees).

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 Very Strong Complex Logo Foresight Analytics has assigned a VERY STRONG investment rating and Product Complexity indicator of COMPLEX
Capability
13.7%

Rolling Annual Return (after fees)*

Capability
100%

Principal & Interest returned

Capability
+6195

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

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 rolling annual return of 13.70% 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.

 

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 rolling 13.70% annual return (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 rolling annual return of 13.70% 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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