3 As over fifties approach retirement, many seek ways to maximise their investment returns. We sat down with Samuel Amey, Investment Relations Manager at Funding, to discuss how Funding provides over fifties a pathway to higher returns for a more comfortable retirement. What exactly is a first mortgage investment? A first mortgage is a loan secured against real estate, where the lender holds the primary claim over the property. This means that in the event of a default, the first mortgage lender, acting on behalf of the investors, can sell the property to recover the loan amount. First mortgages offer investors a strong level of security as they are backed by tangible assets. Why should over 50s consider first mortgages as part of their portfolio? As investors near retirement, capital preservation and consistent income become crucial. Traditional fixedincome products, such as term deposits, often offer low yields. First mortgage investments provide an opportunity for enhanced returns while maintaining a low-risk profile due to the security of the underlying real estate and helps protect investors from the volatility of traditional equity markets. How does The Funding Income Trust work? The Funding Income Trust is a wholesale fund designed to provide investors access to a diversified Maximising Investment Returns portfolio of first mortgage loans. The fund offers attractive risk-adjusted returns, with income paid monthly, making it an ideal choice for those seeking consistent cash flow in retirement. Over Fundings 10-year history, we have maintained a robust track record of $0 in capital losses, lent over $1 billion in total loans and paid all capital and interest to investors at the target return*. For more information visit www.funding.com.au/ invest/income-trust or call 07 5646 6332. * as at 28 February 2025 DISCLAIMER: Funding Income Trust (“the Trust”). For wholesale and sophisticated investors only. Any investment rate of return and terms displayed are specific to the pool of mortgages and therefore subject to the performance of those mortgage investments. Any rate of return and income is targeted, are not guaranteed and are shown net of any fees. Funding.com.au Pty Ltd ACN 603 756 547 is the manager of the Trust and authorised representative (no. 1239776) of Funding Capital Pty Ltd ACN 639 230 345 (AFSL 523247). Funding Capital Pty Ltd ACN 639 230 345 (AFSL 523247) is the trustee of the Trust. It is important for you to read the Information Memorandum (IM) for the Trust before you make any investment decision. Samuel Amey, Investment Relations Manager
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