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How much better off are you in a private credit fund versus an investment property?

How much better off are you in a private credit fund versus an investment property?

I recently met with a dear friend who was celebrating the full repayment of his mortgage. Putting aside the fact most people might think that’s an unusual milestone to celebrate, he used the gathering to discuss what investments he could fund by borrowing against his house. From the frying pan into the fire.

The question, however, is worth exploring and among the investments he considered were a newly constructed apartment above a supermarket in his local suburb on Sydney’s upper north shore and an investment in a private credit fund paying circa 9.6 per cent per annum.


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Roger Montgomery is the Founder and Chairman of Montgomery Investment Management. Roger has over three decades of experience in funds management and related activities, including equities analysis, equity and derivatives strategy, trading and stockbroking. Prior to establishing Montgomery, Roger held positions at Ord Minnett Jardine Fleming, BT (Australia) Limited and Merrill Lynch.

This post was contributed by a representative of Montgomery Investment Management Pty Limited (AFSL No. 354564). The principal purpose of this post is to provide factual information and not provide financial product advice. Additionally, the information provided is not intended to provide any recommendation or opinion about any financial product. Any commentary and statements of opinion however may contain general advice only that is prepared without taking into account your personal objectives, financial circumstances or needs. Because of this, before acting on any of the information provided, you should always consider its appropriateness in light of your personal objectives, financial circumstances and needs and should consider seeking independent advice from a financial advisor if necessary before making any decisions. This post specifically excludes personal advice.

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