Looking beyond bonds and term deposits?
- Minimum Investment: $5,000
-
Net fixed distribution rates. 7.80%*^ to 8.30%*^ p.a
(See rate table below for more rates) - Monthly income distributions
- Backed by secured Australian commercial loans
*Terms & conditions apply. Please note that past performance is not a reliable indicator of future performance. This investment is not a bank deposit and carries risk. Refer to the PDS available on our website for full details. All distribution rates quoted above are net of fees and are the prevailing rates as of the 08 May 2026. Distribution rates are updated monthly, usually at the start of each month. Check our website for current distribution rates. We do not provide guarantees on any invested capital or the investment performance of the Premium Income Fund.
^Rate fixed for 12 months.
Capital
No Capital loss experienced.
Distributions
All distributions have been paid.
Redemptions
All redemption requests fulfilled.
Investment Risk & Past Performance:
When making an investment, a prudent investor balances risks and returns. All investments carry risk, and investing in commercial loans is no different. This investment is not a bank deposit. Whilst we endeavour to exercise due diligence and care in our conduct, we do not provide guarantees on any invested capital or the investment performance of the underlying managed fund. Past performance is not a reliable indication of future performance.
The problem
Why investors are looking for alternatives
Term deposits and government bonds have long been the default for income-seeking investors. Whilst term deposits provide better security of capital, in a changing rate environment, many are finding these instruments fall short, either in yield, flexibility, or the effort required to roll over and manage them.
The Premium Income Fund is designed for investors who want regular income, real asset security, and professional management, without equity market exposure.
How it works
An alternative approach to income investing
The Premium Income Fund pools investor capital into a single Loan Facility with Rhodes Finance, our commercial lending entity. Rhodes Finance makes secured commercial loans backed by Australian real property.
The interest generated by this loan portfolio funds monthly distributions to investors in the Fund.
Monthly distributions
We aim to pay distributions to Unitholders by the 15th day of each month, but usually pay in the first week of each month.
Secured by property
"As is" valuations only. No reliance on speculative "as if complete" values
Prudent Lending Practices
- Independent valuers
- All loans vetted by credit committee
- LVR matrix depending on location & property
- All loans secured by real property
Investment options
Choose the structure that suits you
| Sub-Class | Current Rate | Min. Investment | Rate Type | Distribution | |
|---|---|---|---|---|---|
| Standard Sub-Classes | |||||
| Standard – Variable | 7.95%* p.a. | $5,000 | Variable | Monthly | |
| Standard – Fixed | 7.80%*^ p.a. | $5,000 | Fixed | Monthly | |
| Enhanced Sub-Classes | |||||
| Enhanced – Variable | 8.45%* p.a. | $100,000 | Variable | Monthly | |
| Enhanced – Fixed | 8.30%*^ p.a. | $100,000 | Fixed | Monthly | |
Disclaimer
*Terms & conditions apply. Please note that past performance is not a reliable indicator of future performance. This investment is not a bank deposit and carries risk. Refer to the PDS available on our website for full details. All distribution rates quoted above are net of fees and are the prevailing rates as of the 08 May 2026. Distribution rates are updated monthly, usually at the start of each month. Check our website for current distribution rates. We do not provide guarantees on any invested capital or the investment performance of the Premium Income Fund.
^Rate fixed for 12 months.
Who This May Be Relevant For
- Individuals looking for passive income.
- Those comparing a range of income‑oriented investment options.
- Investors looking to diversify income sources within a broader portfolio.
- SMSF trustees seeking to manage overall portfolio volatility.
Please refer to the PDS for more details.
Ready to learn more?
Understand how the Premium Income Fund could serve as an Income-Focused Alternative to Traditional Fixed Income and whether it aligns with your investment objectives.
Rhodes Asset Management Ltd
ABN 99 165 917 813 | AFSL No. 464772.
Rhodes is led by a seasoned team of industry professionals that brings a wealth of expertise in Funds Management, Financial Services, Law, Accounting, Property Development, Lending, and Venture Capital.
Contact Details
Phone: 1300 425 594
Email: enquiries@rhodesam.com.au
PO Box 1753, Capalaba QLD 4157 Australia
Or Visit Us @
‘The Hub’ Suite 1, 2 Loraine Street, Capalaba QLD 4157
Disclaimer
General
This website contains information about us at Rhodes Asset Management Ltd ABN 99 165 917 813, AFSL No. 464772 (Rhodes Asset Management, we, us and our) and the services and products we provide. Rhodes Asset Management is associated with the “Rhodes Financial Group” brand and is a related party to Rhodes Financing Solutions Pty Ltd (ABN 33 651 843 828).
No Advice
Information published on our website is general information only. It should not be construed as personal financial advice or a recommendation to invest or acquire any financial product. We have prepared the information without taking into account the personal objectives, financial situation or needs of any particular individual. We recommend you speak with a qualified financial advisor about the appropriateness of our financial products in light of your own financial objectives and personal circumstances.
Reliance on Product Disclosure Statement & Target Market Determination
Information about any of our financial products is contained in the respective product disclosure statement (PDS) and target market determination (TMD) accompanied by other disclosures we are required to make by law. You may obtain a copy of the PDS & TMD on our website or by emailing us at investors@rhodesam.com.au. You should not rely on any information that is not published by us.
Investment risk & Past Performance
There are risks associated with an investment in a managed fund. Whilst we endeavour to exercise due diligence and care in our conduct, we do not provide guarantees on any invested capital or the investment performance of the underlying managed fund. Past performance of any managed fund described on our website is not a reliable indication of future performance.
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