How to earn 6.45% to 9.25% p.a. without investing in a fund

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How to earn 6.45% to 9.25% p.a. without investing in a fund 💰📈

The best term deposits are currently paying just over 5% per annum however for many people this still isn’t enough to earn a meaningful income to supplement their lifestyle.

Investing in managed funds to earn a few percent more also carries risks, with fund managers often collecting fees regardless of the performance of the fund.

Thankfully there is another way to earn a competitive interest rate of your capital, without the need to invest in a fund.

Introducing Income Direct

Income Direct saw a gap in the market for Australians seeking returns above bank term deposit rates and those wanting to avoid the fees and risks associated with managed funds.

We offer fixed income products with interest rates from 6.45% p.a. for 12 months up to 8.75% per annum for 10 years. We also offer a bonus 0.5% p.a. offered on amounts $500k an above.

Director of Client Services Brian Lewis discusses why clients are making the switch to Income Direct

Features

Income Direct offers:

• • 6, 12, 24, 36, 60 and 120 month terms

• • Interest paid monthly (compound available)

• • Dedicated personal account manager

• • Online account access

• No setup, management or performance fees

We accept individuals, SMSFs, companies and trusts.

Note: Our products are particularly popular with over 60’s seeking a competitive fixed rate of return on their capital. Many enjoy the freedom it provides living off the additional interest income.

$250k minimum

Income Direct’s products are available for those with $250k and above. This enables us to provide a high level of personalised service for every client.

Our team regularly meets face-to-face with new and existing clients throughout Australia and in our Melbourne CBD office.

What we do

Income Direct is a diversified investment business. We are a wholly owned subsidiary of US investment firm Marbanc International which has both US and Australian representation on its board of directors.

Our business identifies strong investment opportunities locally and internationally across a diverse range of industries and business stages. We work with businesses to scale them up, often securing a percentage ownership and in some instances a percentage of their top line revenue.

How is it different to a fund

Funds are typically equity investments, meaning there is the risk of capital volatility. Fund managers typically charge a management fee regardless of the performance of the fund – even if it loses money. They often also quote ‘target’ returns reflective of the volatility.

By comparison, our Fixed Income Accounts are structured using a debt instrument. In simple terms this is a loan. It is repayable in full and carries with it a fixed interest rate. It is not dissimilar to how banks finance their business – they leverage cheap debt raised from deposit holders.

Like all investments, there are risks to consider (including delay or loss of capital) and we recommend obtaining independent financial and legal advice prior to choosing Income Direct. We are not covered by the Financial Claims Scheme because this only applies to banks. Many clients like the fact we are not a bank and provide a more bespoke level of service.

What clients are saying

“I am very happy with the rate and the payments that I’m receiving.”
– Peter, WA

“Thanks Lucy for looking after me, it’s hard to find a decent interest rate you can live off. Income Direct are looking after me.”
– Vicki, NSW

“I would like to recommend Brian of Income Direct as a straight forward guy who sets out exactly the investments you are looking for with a minimum of fuss. He guides you through the process and advises you in layman’s terms what documents you will receive to satisfy any doubts or reservations you may have. I personally have invested a substantial sum of money with him & Income Direct and feel very comfortable with my outcome.”
– Roger, QLD

To read more reviews click here.

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