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Investing with FMT

Am I a Wholesale or Retail Investor?

Our recently launched FMT Wholesale Fund is available to wholesale investors only. We have provided information on who qualifies as a wholesale investor below.
If you do not qualify as a wholesale investor, you are considered a retail investor. The FMT GIF and FM PIE Trust are both retail investment offerings, suitable for retail investors.

To Qualify as a Wholesale Investor

You must meet the criteria set out in clause 3(2) or 3(3) (a) of Schedule 1 of the Financial Markets Conduct Act 2013.

Broadly speaking wholesale investors have fewer protections because they are presumed to have the capability to assess the risks and merits of an investment without needing as much regulatory oversight.

Retail investors have more protections; financial products offered to them must meet strict disclosure and conduct requirements to ensure they are fully informed about the risks and details of the investment.

Advantages For

Retail Investors

Investing in the FMT GIF or PIE Funds:

  • $500 minimum investment
  • Flexibility, no fixed term
  • Consistent return
Advantages For

Wholesale Investors

Investing in the FMT Wholesale Fund:

  • $500,000 minimum investment
  • Two-year minimum term
  • Bonus return, depending on amount invested
Wholesale Investors

Who Qualifies?

Wondering if you qualify as a wholesale investor? Please use this flow chart and video to help inform your decision.

 

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Wholesale Investors

Who Qualifies?

You may also qualify if you have experience acquiring or disposing of financial products that enables you to adequately assess the offer.

This means you would need to provide an Eligible Investor Certificate as well as a written confirmation from a third-party professional to certify that you understand the nature of wholesale investment. 

This professional could be an independent financial adviser, a qualified statutory accountant or a lawyer. 

If you believe you qualify under this condition, please consult a professional to ensure you understand the implications of investing in the FMT Wholesale Fund before applying.

Want to Express Your Interest?

Initially we're only inviting existing FMT investors (who qualify as wholesale investors) to apply for the FMT Wholesale Fund.

If you'd like to register your interest in applying, please do so by clicking the button below and we'll contact you with more information.

Express Your Interest

No PDS is required to be made available for the FMT Wholesale Fund, however an Information Memorandum is available on expression of interest.

Disclaimer: First Mortgage Trust is not a Financial Adviser. This information is of a general nature and should not be considered financial advice. We strongly recommend that you talk to your financial adviser to determine if investing in the FMT Wholesale Fund is right for you.

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              Which type of fund is right for me?

              Complete this questionnaire to see what type of fund might be the most tax effective for your circumstances. Please note, this is just a guide and we recommend you seek professional tax advice.

              Are you investing as an individual or trust?
              Other investor types should seek professional tax advice.
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              Individual

              Is your tax return completed by a tax adviser or accountant?


              Can you reasonably estimate your own annual income?


              What is your total income from all sources (including PIE income)?


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              Trust

              Do you distribute all annual income to beneficiaries?


              Do all Trusts beneficiaries earn more than $48K from all sources (including PIE income)?

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              Disclaimer – This tool is intended to provide general guidance only. This tool does not take into account your particular financial situation, objectives or goals.

              There are alternative strategies which may provide better outcomes, we recommend you seek independent advice before making any investment decision. If you have completed this guide and wish to discuss this, we recommend you seek professional tax advice.