RAM Australian Credit Fund

Investment objective

This Fund aims to provide a return (before fees, costs and taxes) that exceeds the official Reserve Bank of Australia cash rate by 3% per annum over the medium term, with high levels of capital stability.

Investment strategy

The investment strategy is to primarily invest in secured mortgages against Australian property,
asset backed securities, securitised investments and cash. The fund will invest in debt securities (ASX & OTC) issued by RAM Income Capital and units in the RAM Real Income Fund Class A1 & A2. The Investment Manager will seek to control any short-term capital volatility by investing in high quality assets and by managing a diversified portfolio of income producing assets in the underlying investment vehicles.

Investment manager

Real Asset Management Pty Ltd (RAM)is an Australian alternative asset management firm, providing investment solutions in credit, real estate and private equity markets, for institutions and wealthy families globally. RAM was founded in 2010 and has a pan-Asia presence of 6 offices in Sydney, Melbourne, Brisbane, Auckland, Shanghai and Hong Kong. RAM provides more than 15 investment strategies and has a team of over 200 finance professionals managing circa A$7bn in assets.

RAM’s credit expertise extends from public market senior and subordinated strategies into less liquid private credit and direct lending secured exposure. Our credit process ensures our portfolios are biased to high quality and reliable income streams, and focused on achieving the investment objective with a low probability of credit losses. Our investment management philosophy, discipline and strict portfolio construction rules always ensure appropriate diversification and risk management.

Its management team has collectively over 150 years of experience gained through working in senior global and regional management positions in some of the world’s largest financial services firms. (AFSL 484263).