Fund Overview
IJ Premium Income Fund
This fund is only offered to wholesale investors
The IJ Premium Income Fund is an unlisted managed investment scheme designed for wholesale investors seeking passive exposure to a diversified pool of Australian mortgage loans. With a targeted income distribution of 7.0% p.a.*, the Fund aims to provide regular, consistent returnswhile spreading risk across numerous loans to seeking maintain low capital volatility.
Fund benefits
Diversified risk exposure
The IJ Premium Income Fund pools investments across multiple loans, aiming to lessen the dependency on the performance of any single loan. This approach spreads risk effectively and ensures greater financial stability for investors. With loans secured by first or second mortgages on Australian properties with carefully evaluated Loan-toValue Ratios (LVRs) not exceeding 75%, your investment is supported by tangible assets.
Attractive Targeted Returns
Targeting a 7.0% p.a. income distribution return*, the Fund aims to deliver regular, dependable income for investors. By investing in a well-managed portfolio of mortgage-backed loans, investors benefit from reliable results over time with relatively low levels of capital volatility, aligning with long-term wealth-building strategies*.
Passive investment experience
Enjoy a seamless investment experience with pooled mortgage trust where funds are actively managed by professionals. Investors receive returns proportional to their investment in the pool of mortgages, (subject to the performance and risks of the underlying assets) This fund may suit those seeking diversified mortgage investments.
* Returns and distributions are variable and not guaranteed. Investors should review associated risks and terms. The fund carries risks, including potential loss of capital and liquidity constraints. Please read the disclosure documents and consider associated risks and terms.
Fund facts
| Product status | Open |
| Investor | Only open for wholesale investors and Sophisticated Investors as defined under the Corporations Act. |
| Trustee | Investup Securities Pty Ltd ACN 670 384 924 AFSL No: 557683 |
| Investment manager | IJ Funds Management Pty Ltd ACN 632 345 905 Authorised Representative No: 001276584 |
| Minimum investment term | 12 months |
| Distribution frequency | Monthly |
| Targeted distribution rate | 7.0% p.a. subject to market changes*. Normally distributions will be paid within 14 business days after the 15th of the month. |
| Unit price | $1.00 per Unit |
| Withdrawals | The Fund operates as a non-liquid fund. A 2-month notice period (Notice Period) is required for withdrawals. See the Information Memorandum for more info. |
| Minimum investment | $500,000.00 for initial investment $50,000.00 for additional investment |
| LVR | The LVR will not exceed 75%. |
| Fee & charges | Refer to Information Memorandum. |
* Returns and distributions are variable and not guaranteed. Investors should review associated risks and terms. The fund carries risks, including potential loss of capital and liquidity constraints. Please read the disclosure documents and consider associated risks and terms.
Risks
Like any investment of this type, there are risks associated with an investment in the Fund. The trustee and the manager does not guarantee your funds or the interest payment by the borrower. Before making an investment, you should read the IM and other information in full to understand these risks.
The information in the relevant Information Memorandum (each a “IM”) is general information only and does not take into account your investment objectives, financial situation or needs. The information in a IM is not, and is not intended to be, personal advice. You should consider whether an investment in a Class is appropriate for you in light of your personal circumstances. You should obtain independent professional financial, legal and tax advice before making a decision whether to invest in a Class.
How to invest
Select an investment that fits your portfolio from our range of single asset opportunities and funds, then declare that you’ve read the Information Memorandum (IM) and confirm your status as a Wholesale investor. Submit your application electronically or by hand using the formal Application Form and complete the AML/CTF verification. Finally, receive regular distributions on your investments and manage your portfolio.
This webpage and the information are for general information only and do not take into account the investment objectives, financial situation or particular needs of any particular person. It is not intended to take the place of professional advice and you should not take action on specific issues in reliance on this information. You should consider, with your professional adviser, whether the information is suitable for your circumstances. The Fund is offered to investors in Australia. Before deciding to acquire or continue to hold an investment in the Fund, please ensure you read all supporting Information that clearly outlines all the risks associated with our Investment Trust. Past investment performance is not a reliable indicator of future investment performance and that no guarantee of performance, the return of capital or a particular rate of return is provided. And if you’re still not sure, please call us, we’d be happy to discuss any concerns you have. We also recommend you seek personal advice from a licensed qualified financial planner if you are still not sure.