F.A.Q
Answers to common questions about our investment approach, process, and what to expect.
What does Australian Income & Growth do?
Australian Income & Growth provides access to structured investment opportunities designed to support income generation, long-term capital growth, or a combination of both. Our role is to present opportunities clearly and provide relevant information so investors can review them properly before making any decision
Do you provide personal financial advice?
No. We provide general information only. Information on this website does not take into account your personal objectives, financial situation or needs. Before making any investment decision, you should consider whether the opportunity is appropriate for you and seek independent professional advice where necessary. ASIC states that providing financial product advice generally requires an AFS licence or authorisation.
Is the information on this website general information only?
Yes. The content on this website is intended to provide general information about our approach, process and available opportunities. It is not a recommendation to invest and should not be relied upon as a substitute for reading the PDS or obtaining personal advice.
What happens after I submit an enquiry?
Once you submit an enquiry, a member of our team will contact you to provide further general information and, where appropriate, explain the next steps in the process. If relevant, documentation such as the Product Disclosure Statement may then be made available for your review.
Will I receive a Product Disclosure Statement?
If the opportunity is one for which a Product Disclosure Statement applies, yes. The PDS contains important information about the product’s features, risks, fees, conditions and other key matters. It should be read carefully before making any investment decision. Competitor fund sites commonly require investors to read the PDS before applying
What is a Product Disclosure Statement?
A Product Disclosure Statement, or PDS, is a formal disclosure document for certain financial products. It is designed to help retail investors understand the key features, benefits, risks, costs and terms of the product before deciding whether to invest.
Why is the PDS so important?
Because it contains the detailed information you need to properly assess the opportunity. The website can introduce the product, but the PDS is where the essential information sits. It should be reviewed carefully and in full.
Are returns guaranteed?
No. All investments carry risk and returns are not guaranteed. Past performance is not a reliable indicator of future performance. Depending on the product, values may fluctuate and distributions may vary. This is a standard and important theme across competitor FAQs and PDS material.
Is this the same as a bank deposit or term deposit?
No. If you are reviewing an investment product, it should not be treated as a bank deposit or cash product unless expressly stated. Comparable competitor FAQs make this point directly, including that certain investments are not bank deposits and are not backed in the same way as deposit products.
What risks are involved?
Risks vary depending on the product, but may include market risk, capital loss, income variability, credit risk, liquidity risk, changes in interest rates, valuation movements and broader economic conditions. The PDS should set out the specific risks relevant to the opportunity
Can I lose money?
Yes. Depending on the product and market conditions, investors may lose some or all of their invested capital. This is why understanding the structure and risk profile of the investment is so important.
What should I review before making a decision?
At a minimum, you should review the Product Disclosure Statement and any supporting material, paying close attention to the investment objective, risks, fees, liquidity conditions, minimum investment, and any eligibility requirements. You should also consider your own objectives, financial situation and needs.
Should I seek independent advice before investing?
Yes. Independent financial, legal or tax advice may be appropriate before making any investment decision. This is consistent with common PDS wording across the market and is an important part of an informed decision-making process.
How do I know whether an opportunity is suitable for me?
Suitability depends on your own objectives, financial situation, needs, risk tolerance and time horizon. That is why general website information should never be treated as personal advice. The right decision for one investor may not be appropriate for another.
What fees and costs apply?
Fees and costs vary depending on the investment opportunity. These should be disclosed in the PDS or relevant supporting documentation. You should review them carefully before proceeding
Is there a minimum investment amount?
Minimum investment amounts depend on the specific opportunity. Many competitor sites include the minimum investment in either the PDS or FAQ material, and that is where investors should expect to find it.
How do applications work?
If you decide to proceed after reviewing the relevant documentation, you will be guided through the application process in accordance with the product requirements. Competitor examples commonly allow online or hardcopy application pathways once the investor has reviewed the PDS.
Can I withdraw my money at any time?
That depends on the specific investment and its liquidity terms. Some products may offer regular withdrawal opportunities, while others may be illiquid or subject to withdrawal delays or suspensions in certain circumstances. You should review the PDS carefully for the productspecific rules. Competitor FAQs are often explicit that withdrawal rights are subject to liquidity.
How will I be contacted after I enquire?
A member of our team may contact you by phone or email using the details you provide, for the purpose of responding to your enquiry and providing further general information.
Is submitting an enquiry an obligation to invest?
No. Submitting an enquiry is simply a request for further information. It does not constitute an application and does not commit you to invest.
What if I still have questions?
If you need further information, submit an enquiry and a member of our team will be in touch to assist.