SocietyOne Personal Loans Trust
Consistent returns driven by a conservative credit underwriting process & diversified portfolio.
5%-8%
Target Returns
2.25%
Fees
A$38.2 M
Aum
Approx. 6.87%(2024)
Yield
18K
No. of Investment
2
No. of Sectors/Sub-Sectors
×
SocietyOne Personal Loans Trust
The SocietyOne Personal Loans Trust is a cash-adjacent income product with an initial 12-month term. The Trust is managed by SocietyOne Australia Pty. Ltd which was acquired by the similarly sized listed company MoneyMe Group in March 2022. The trust offers investors a stable income stream of 5.0% to 8.0% p.a (before tax, after investment fees, costs, and losses). The Trust's ability to meet its target returns relies on two key factors: a monthly replenished provision account (3.5%–4.5% of assets) that cushions against defaults, and a high-quality loan portfolio dominated by prime borrowers, with an average Equifax score of 740 (as of 31 Dec 2024). Losses exceeding the provision are highly unlikely in any single month. (Source: Foresight Analytics & Rating report, May 2025)
Investment Objective
The Trust seeks to deliver a stable and consistent return on its portfolio of personal loans (after fees, expenses, and losses, but before taxes), with distributions made monthly. The return is a fixed target range (and is not guaranteed), which is noted on the MoneyMe website. These distributions are made through a Crediting Rate calculated by the Manager and approved by the Trustee. The Crediting Rate is kept to a stable pattern as much as possible but can vary from month to month, depending on market conditions. (Source: SocietyOne/MoneyMe)
Key Features
The SocietyOne Personal Loans Trust offers unique advantages for investors seeking steady returns
Alternative Income Stream
Diversified returns from auto & personal loans.
Managed for stability
Built-in reserve cushions risk, boosts returns.
Consistent performance
Consistent returns despite cash rate changes.
Flexible liquidity access
Flexible liquidity via loan warehouse access.
Performance Track Record
Data-driven investment decisions backed by comprehensive market analysis
| Financial Year | Trust Return | RBA Target Cash Rate |
|---|---|---|
| 2020 | 6.02% | 0.25% |
| 2021 | 4.87% | 0.10% |
| 2022 | 4.91% | 0.85% |
| 2023 | 4.98% | 0.10% |
| 2024 | 5.75% | 4.35% |
| 2025 Year to Date* | 7.02% | 4.35% |
(Source: SocietyOne/MoneyMe). *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
| Feature | SocietyOne Personal Loans Trust |
|---|---|
| Target Returns | *5-8% p.a. |
| Duration | 42 Months |
| Income Distribution | Monthly |
| Minimum Investment | $100,000 |
| Volatility | Stable unit price |
| Number Of Holdings | 18,000 |
| Distribution Yield | approx. 6.87%(2024) |
| Inception Date | 20 Dec 2018 |
| Benchmark | RBA Cash |
| Trustee | AMAL Trustees Pty Ltd |
| Fund Administor | Unity Fund Services Pty LTD |
| Custodian | Certance CT Pty Ltd |
(Source: SocietyOne/MoneyMe)
SocietyOne Strategy
A simple, transparent process that benefits both investors and businesses
1
Origination
Loans are sourced through direct marketing and third-party channels, with applications processed quickly—typically within 30 minutes.
2
Credit Assessment
Most applications are assessed digitally using a proprietary system that factors in credit scores, income, and borrower details.
3
Portfolio Allocation & Monitoring
The Trust invests in a monitored subset of the SocietyOne portfolio, reviewed daily for performance and loan quality.
4
Liquidity Management
Liquidity is managed via $400K–$500K in monthly loan maturities and a 12-month fixed term for better redemption forecasting.
Investment Expertise
An experienced team drives the investment strategy with extensive expertise in private credit
The acquisition of SocietyOne by MoneyMe has resulted in a significantly expanded team. It has now expanded across Sydney, Manila, and Newcastle—includes key SocietyOne personnel in permanent roles at MoneyMe, with John Cummins continuing as CIO and maintaining oversight of the Trust.
| Name | Role | Location | Joined | Background/Notes |
|---|---|---|---|---|
| John Cummins | Chief Investment Officer | Sydney | March 2022 | Oversees Trust's investment; ex-CIO of SocietyOne |
| Nigel Bradshaw | Group Treasurer | Sydney | November 2022 | Manages treasury, funding, and risk |
| TBC | Chief Credit Officer | Sydney | TBC | Role under recruitment; previously held by Sudhir Bakre |
| Louise Capps | Head of Compliance | Brisbane | March 2022 | Former SocietyOne compliance lead |
| Simon Willoughby | General Counsel | Sydney | March 2022 | Legal oversight; also transitioned from SocietyOne |
(Source: SocietyOne/MoneyMe)
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