Income Investment Solutions
Structured income products designed to pay regardless of market direction — Fixed Coupon Notes, Capital Protected Notes, and Private Credit, each built around a return you can see before you invest.
Income driven by structure. Not by whether markets rose.
Most income investors rely on dividends — but dividends don't protect your capital when a share falls 30%. Our income products pay because of how they are structured: a coupon agreement, a loan contract, a capital protection clause. The market's mood is not the trigger.
The right income product for your goals.
Higher yield with defined risk. Capital protection with market upside. Direct lending income. Three distinct structures — each built to generate income independently of market performance.
Fixed Coupon Notes
Lend capital to an investment bank for a defined short term. Receive a regular high-yield coupon as long as the linked shares stay above an agreed barrier. Capital returned at maturity if above barrier.
- Coupon paid regardless of share market direction
- Barrier level defined and agreed before you invest
- Short term — typically 6 to 18 months
- Higher yield than a term deposit for defined risk
- Capital returned in full if barrier is not breached
Private Credit
Direct lending to businesses at agreed rates, secured against real assets. Income arrives from a legal loan agreement — not from share market activity. Regular monthly or quarterly distributions.
- Income driven by loan contracts, not market prices
- Secured against real business or property assets
- Regular monthly or quarterly income distributions
- Risk is structured and disclosed upfront
- Completely independent of equity market performance
Capital Protected Notes
A structured product that targets your capital return at maturity regardless of market performance. On top of protection, you receive participation in the upside of a linked index. Worst case defined before day one.
- Capital protection targeted and structured at inception
- Participation in index upside if markets perform
- Worst case agreed in writing before you invest
- Defined maturity date — clear entry and exit
- The floor of the Modern 60/40 Safety Net bucket
Income Without Guessing
Coupon rates, barrier levels, and maturity dates are all set before you invest.
Defined Downside
Every product comes with a specific worst-case scenario agreed upfront — not discovered later.
AFSL Licensed
Regulated under AFSL #296877. Professionally obligated to act in your interest.
Direct Access
Speak to a real portfolio manager about the right income product for your situation.
Steady income. Defined from day one.
Speak with an adviser about which income structure fits your goals — yield, protection, or a combination of both.