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Investor Overview
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Select Fund Features
GPS Investment Fund Ltd offers investors the opportunity to invest in mortgages over real property located in Queensland and Northern NSW through the choice of two investment options:
The Select Fund offers you stable or variable rates of return and the opportunity to individually select the mortgages in which you want to invest.
You decide which mortgages suit you, based on information about the loan, its term and interest rate, the security property and the borrower. Mortgages are secured on a first mortgage basis, and must meet our lending criteria (refer Note 6 of the PDS). You receive the benefits and the rights that attach to the mortgage that you select.
From an individual Investor’s perspective, the Investor is exposed to the specific selected mortgage, and does not enjoy the benefit of the diversification of the Pooled Mortgages Option portfolio.
The rates of return are not guaranteed and are determined by future revenue of the Select Fund and may achieve lower than expected returns.
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Pooled Fund Features
The Pooled Fund offers you a variable rate of return from a pool of mortgages chosen and managed by GPS. Investors’ monies are “pooled” and invested collectively, meaning that no individual Investor has a specific entitlement to any individual mortgage.
If you choose the Pooled Fund, you do not need to make an assessment of the individual mortgages. GPS assesses all loans which are secured by the mortgages, which must meet our lending criteria (refer Note 6 of the PDS).
Choosing the Pooled Mortgages Option means you enjoy a substantially broader diversification of investment in mortgages and income risks when compared to the Select Fund.
The rates of return are not guaranteed and are determined by future revenue of the Pooled Fund and may achieve lower than expected returns.
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