Zagga Retains Superior Rating by SQM

Independent ratings house, SQM Research (SQM) has again awarded a Four-star ‘Superior’ investment grade rating to the Zagga Investments Lending Trust (ZILT), managed by Zagga Investments Pty Limited (Zagga).

In SQM's view

The risk level of the Zagga Investments Lending Trust is low

ZILT is of a high investment grade and has an appreciable potential to outperform over the medium-to-long term

Levels of investment experience and company tenure are strong across the investment team

The good spread of loans by size “mitigates the risk of loss that would otherwise arise from a smaller number of large defaults”

The practice of constant communication and inclusion of team members in decision-making is a vital ingredient to the success of Zagga’s credit decisioning and investment management process.

The strengths of ZILT

The rate of return to investors on each loan is published in advance

Investors receive income as it is earned with real time reporting of the performance of the loan book

Operates on a sophisticated software platform that enables fractionalised investment risk and a customised return profile for individual investors

Each investor is secured by the mortgage and therefore secured for their fractional interest in the security

Management fees are only charged on successful receipt of principal and interest on each loan, not on invested FUM.

"Zagga Investments Lending Trust targets net return in excess of those typically achieved from traditional commingled fixed interest, term deposits, enhanced cash or credit managed funds."

Download the full SQM Research report

Financial Advisers and those who satisfy the criteria of wholesale client as defined under the Corporations Act (2001) (Cth) may request a copy of the full report by completing the form below.
 
Please note that research reports are intended for financial advisers and wholesale clients only.

The rating contained in this document is issued by SQM Research Pty Ltd ABN 93 122 592 036 AFSL 421913. SQM Research is an investment research firm that undertakes research on investment products exclusively for its wholesale clients, utilising a proprietary review and star rating system. The SQM Research star rating system is of a general nature and does not take into account the particular circumstances or needs of any specific person. The rating may be subject to change at any time. Only licensed financial advisers may use the SQM Research star rating system in determining whether an investment is appropriate to a person’s particular circumstances or needs. You should read the product disclosure statement and consult a licensed financial adviser before making an investment decision in relation to this investment product. SQM Research receives a fee from the Fund Manager for the research and rating of the managed investment scheme.

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We would like to acknowledge the Traditional Custodians of the lands, seas, and communities in which we provide our services. We would also like to pay our respects to the Elders past, present and emerging, and the continuing cultural influence they have on Australia.

Zagga Market Pty Limited (Australian Credit Licence 490904) ACN 611 662 401 acts as the Servicer of loans acting on behalf of the credit provider, Zagga Investments Pty Limited (AFSL 492354) ACN 615 154 786, trustee of the Zagga Investments Lending Trust

Additional Disclaimer

All portfolio numbers quoted correct as at 30 October 2024.

*Average investor return across the active portfolio as at 30 October 2024.

**Target return is after expenses and any applicable management fees for the year ending 30 June 2024. OCR = Australian Reserve Bank Official Cash Rate.

Past performance is not a reliable indicator of future performance and investments are subject to investment risk, fees and costs. Returns are not guaranteed.

Prospective investors wishing to invest in a Zagga direct investment or a Zagga Fund should fully consider the Information Memorandum, ZFF Fact Sheet and/or ZWF Brochure, available from Zagga, before applying to invest. Investments are subject to risks.

Articles on this website have been prepared by Zagga Investments Pty Limited (AFSL 492354) ACN 615 154 786 (Zagga) for information purposes only. It doesn’t take into account your objectives, financial situation or needs, nor is it intended as a substitute for any accounting, tax or other professional advice, consultation or service. Nothing in this article shall be construed as a solicitation to buy or sell any financial product, or to engage in or refrain from engaging in any transaction.

Past performance should not be taken as an indication or guarantee of future performance and no representation or warranty, express or implied, is made regarding future performance. Economic conditions may change.

Any analysis provided in this article is based on information obtained from sources believed to be reliable but Zagga does not make any representation or warranty that it is accurate, complete or up to date. Zagga accepts no obligation to correct or update the information or opinions in it. Any opinions expressed in this article are of the author and is subject to change without notice. Readers are reminded to exercise caution and use their own judgment when interpreting and applying the information contained in this article No member of Zagga accepts any liability whatsoever for any direct, indirect, consequential or other loss arising from any use of such information.

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