Aura Private Credit Income Fund
Consistent returns driven by a conservative credit underwriting process & diversified portfolio.
9.61% p.a
Annualized Returns Since Inception
1.2%
Fees
A$250 M
Aum
8%
Yield
3000
No. of Investment
6
No. of Sectors/Sub-Sectors
Aura Private Credit Income Fund
(Formerly the Aura High Yield SME Fund)
The Aura Private Credit Income Fund is designed to provide stable monthly income by investing in a diversified portfolio of SME debt securities. Managed by Aura Credit Holdings Pty Ltd, the fund focuses on high-quality non-bank lenders, offering structured credit solutions to Australian small and medium-sized enterprises (SMEs). (Source: Aura)
Objective
(Formerly the Aura High Yield SME Fund)
The Aura Private Credit Income Fund is designed to provide stable monthly income by investing in a diversified portfolio of SME debt securities. Managed by Aura Credit Holdings Pty Ltd, the fund focuses on high-quality non-bank lenders, offering structured credit solutions to Australian small and medium-sized enterprises (SMEs).
Key Features
The Aura Private Credit Income Fund offers unique advantages for investors seeking steady returns
Regular Income
Regular, predictable distributions for consistent cash flow.
Long-term Track Record
Strong historical performance of 9.61% p.a.
Specialist Expertise
Managed by experienced Investment professionals.
Stable Returns
Regular, predictable distributions for consistent cash flow.
Competitive Fees
Clear, competitive fees to align with investor outcomes.
Performance Track Record
Data-driven investment decisions backed by comprehensive market analysis
| Period | Fund Return | Benchmark Return | Excess Return |
|---|---|---|---|
| 6 Months | 4.8% | 4.6% | 0.2% |
| 1 Year | 9.8% | 9.5% | 0.3% |
| 3 Years (p.a.) | 9.0% | 7.3% | 1.7% |
| 5 Years (p.a.) | 9.2% | 6.7% | 2.5% |
| Since Inception (p.a.) | 9.6% | 6.7% | 2.9% |
(Source: Aura). *Any investment in a financial product or fund involves a degree of risk. Actual results may differ from the reported performance. It is important to note that past performance is not an indication of future performance.
Investment Details
How the Aura Private Credit Income Fund compares to other investment options
| Feature | Aura Private Credit Income Fund |
|---|---|
| Annualized Returns | *9.61% p.a. |
| Duration | Open-ended |
| Income Distribution | Monthly |
| Minimum Investment | $10,000 |
| Volatility | 3% |
| Number Of Holdings | 16 |
| Distribution Yield | 1.3% |
| Inception Date Yield | 11/01/2019 |
| Benchmark | Cash + 3% |
(Source: Aura)
How It Works
A simple, transparent process that benefits both investors and businesses
1
Investors Contribute Funds
Investors pool their capital into the Aura Private Credit Income Fund
2
Aura Lends To SMEs
Capital is used to provide loans to carefully selected small and medium-sized enterprises
3
Businesses Grow & Repay Loans
Businesses use the capital to grow and make regular repayments with interest
4
Investors Receive Returns
Monthly distributions are paid to investors from the interest and repayments
Investment Expertise
An experienced team drives the investment strategy with extensive expertise in private credit
The investment process of the Fund is carried out by a team of 4, who frequently interact with the Investment Committee (IC). Aura Group has a long history of investing via venture capital in the alternative finance space, including online lenders. In August 2023, Brian Ho was appointed Associate Director and is now, in effect, second in command after Brett Craig. This appointment has not only beefed-up resourcing and experience in the team but also mitigated key person risk. We also note that over the last 12 months, the board has approved an Employee Share Option Purchase program for up to 10% of Aura Credit Holdings. This serves to attract and retain quality staff and align their interests with the Fund’s investors. The Investment Team is supported by internal credit resources and external legal expertise. The IC, which comprises the 3 members noted below, meet on an ad-hoc basis in relation to lending platforms that have passed the internal due diligence process. Additionally, the IC will meet if there are any proposed changes to the risk/portfolio parameters of a particular warehouse. +
| Name | Title | Investment Committee/Team |
|---|---|---|
| Brett Craig | Director/Portfolio Manager | Brett sits on the Investment Committee as well as heading up the Investment Team |
| Brian Ho | Associate Director | Investment Team |
| James Chapman | Investment Associate | Investment Team |
| Natalie Kolenda | Investment Associate | Investment Team |
| Calvin Ng | Managing Director/Co-Founder | Investment Committee |
| Allan Savins | Independent Committee Member | Investment Committee |
(Source: Aura)
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