Personal Loan Fund ~

Stable Monthly Income

The Fund is focused on stability of income and preservation of capital.

Since the DirectMoney Personal Loan Fund (Fund) inception in May 2015, investors have earned a 7.64% p.a. return* net of fees.

The Fund’s actual return has exceeded the target return of RBA Cash Rate plus 5-5.5% since inception+.


Your investment is diversified across all loans held in the Fund meaning the impact of any individual borrower not paying is greatly reduced.

You are not required to select loans or manage monthly reinvestment.

Investing in the Fund also helps to diversify your own investment portfolio.

Downside Protection

Before any borrower is approved for a loan they must pass Wisr’s four filters, Identity Check, Credit Check, Risk Assessment and Fraud Checks.

The Loan Investment Reserve Account receives a portion of all interest repayments and will be used to cover any shortfall between the recouped amount and the outstanding principal of any delinquent loan investment.

Hardship affected and non-compliant loans are repurchased by Wisr.


Choose how you want to receive your returns


Reinvest your distributions to
compound your returns


Receive your monthly


Return Since Inception & Target Return*
(Since May 2015 Inception)

Click here to see the Fund’s Monthly Performance Reports.

Frequently Asked Questions

The offer is available to persons receiving the PDS within Australia, from a minimum $10,000 investment.

Investments are withdrawn in 36 separate monthly unit redemptions from the time a withdrawal is requested. Withdrawal program can be terminated by lodging a Withdrawal Cancellation Form. Please see section 2.10 of the PDS.

The economic interest in the loans owned by the Fund would not be affected by the failure of Wisr. In such a circumstance the title of the loans would be transferred to the Fund and the RE would continue to act in the best interests of the unitholders.

One Managed Investment Funds Limited a member of One Investment Group established in 2009, is the independent Responsible Entity. One Investment Group is responsible for in excess of 200 funds and $10bn in wide ranging underlying asset classes under management.

The Fund is open to SMSF investments.

The PDS contains a comprehensive list of risks and benefits. Unitholders may not receive income or capital on their investment where borrowers default in respect of the loans comprising the assets of the Fund. However the Fund is pooled and the risk is spread among investors. Distributions have remained stable and there has been no loss in capital since inception (see Fund Performance for full distribution details). Past performance is no indication of future returns.

You may choose to re-invest your distributions. Distributions are issued as additional units in the Fund. Please note distributions cannot be re-invested if you are on a withdrawal program.

Yes, if distributions are not re-invested, they will instead be paid in cash to your bank account.

Personal Loan Fund ~


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*Unaudited performance – Net returns are calculated using the current net asset value (NAV), being gross assets less liabilities (including fees, costs and the provision of distributions payable), plus the monthly provision for distribution as a percentage of the prior month ex-NAV and assumes reinvestment of income. Fund asset values have been calculated using unaudited data for the month being reported. Past performance is not a reliable indicator of future performance. Prospective investors should obtain and read a copy of the product disclosure statement (PDS) for the Fund before deciding whether to invest in the Fund. The total net fund returns shown are prepared on the net asset value unit price (i.e. after taking account of ongoing fees and expenses). They do not take your personal taxation into account. Inception 13 May 2015.

# The Fund seeks to deliver a consistent return of approximately 5.0% to 5.5% over the RBA cash rate, throughout a suggested investment term of 3 to 5 years. This investment return objective is based on the historical premium over the RBA cash rate which has applied to unsecured personal loans. Note this investment return objective is not a forecast. It is merely an indication of what the Fund aims to achieve on the assumption that credit and debt markets remain relatively stable throughout the suggested investment term.

One Managed Investment Funds Limited (ABN 47 117 400 987) (AFSL 297042) is the responsibility entity of the DirectMoney Personal Loan Fund ARSN 602 325 628 (AFSL 297042). The information contained in this document was not prepared by the RE but was prepared by other parties. While RE has no reason to believe that the information is inaccurate, the truth or accuracy of the information contained therein cannot be warranted or guaranteed. This document should be regarded as general information and not financial advice. Any-one reading this document must obtain and rely upon their own independent advice and inquiries, RE and Investment Manager do not guarantee the performance of the Fund or the repayment of any investor’s capital. Investors should consider the PDS before making any decision regarding the Fund. The PDS contains important information about investing in the Fund and it is important investors obtain and read a copy of the PDS before making a decision about whether to acquire, continue to hold or dispose of units in the Fund.

Note: All rates mentioned on this website are calculated on a per annum basis.