Every Assetora Sub-Fund belongs to one of four categories — each with a distinct investment mandate, return profile, and structure. Choose the type that fits your goals.
Fractional exposure to residential, commercial, industrial, land and hospitality assets — structured as units in a managed investment scheme. All the upside of direct property ownership without the management burden, personal guarantees, or liquidity lock-in.
Michael and Karen currently own an investment property directly in their SMSF but are frustrated by the ongoing management — dealing with tenants, agents, and maintenance. They want to maintain residential property exposure but remove themselves from the day-to-day. Through a Real Estate ASF, they sell their direct holding and reinvest into a dedicated sub-fund for a comparable property, retaining full beneficial ownership but with Assetora managing everything. Distributions flow directly to their SMSF cash account.
Sandra runs a successful consulting firm and wants exposure to commercial property — she's heard the yields are stronger than residential and lease terms more predictable. But standalone commercial assets typically require $1M+ in capital. Through a Commercial Real Estate ASF, Sandra co-invests with other members into a professionally managed commercial asset, accessing institutional-grade real estate at a fraction of the direct acquisition cost.
Three members of the Fletcher family — a parent SMSF, an adult child's personal account, and a family trust — want to invest together in a rural land parcel with long-term rezoning potential. A single Land ASF is established. Each entity subscribes for units proportional to their contribution. Income and any future capital growth is distributed independently to each account. No related-party issues arise — each holds units in a registered managed investment scheme.
James has been saving for years but can't yet afford a full deposit on an investment property in the Sydney market. Through a Residential Real Estate ASF, James invests $25,000 into a sub-fund holding a professionally managed property. He receives proportional rental income distributions, gains exposure to property price movements, and can add to his holding or sell his units via the Assetora Marketplace — all without needing a mortgage of his own.
Structured lending facilities — private credit, specialist finance, and debt instruments — that offer predictable income with a defined return profile. Lending ASFs give investors access to credit markets that were previously the exclusive domain of institutional players.
Robert's SMSF is in pension phase and he needs consistent, predictable income to fund his lifestyle. The share market's volatility makes him uncomfortable. A Private Credit ASF offers him a defined interest rate over a fixed term — secured against real assets — with quarterly distributions paid directly to his SMSF cash account. No market swings, no dividend uncertainty. Just structured income.
Anika's client is sitting on $300,000 in term deposits earning below-inflation rates. He doesn't want share market exposure, but he needs better returns before he retires in 7 years. Anika recommends a Specialist Lending ASF as an alternative income vehicle — offering materially higher returns than term deposits with a defined loan term, asset-backed security, and a structured redemption at maturity.
Marcus has spent 15 years as a property developer and knows the margins lenders make on construction finance better than most. Through a Specialist Lending ASF focused on construction bridging, Marcus puts his personal capital to work on the lender's side of deals he understands intimately — secured positions, defined terms, and returns typically unavailable to retail investors outside this structure.
Six members of a long-running investment club want to participate in a private credit deal — a $2M loan to a regional property developer — that none of them could access individually. Through a single Lending ASF, each member subscribes for units proportional to their contribution. The loan is structured, managed and monitored by Assetora. Interest income is distributed pro-rata to each investor's account at each payment date.
Income ASFs are built around one goal: generating regular, predictable distributions for members. Whether you're in pension phase, building a passive income stream, or supplementing salary, Income ASFs are structured to deliver consistent returns over time.
Dorothy's SMSF is in full pension phase and she needs reliable monthly income to fund her living expenses without eroding her capital base. A portfolio of Income ASFs provides her with regular distributions — monthly and quarterly — that she can rely on. The distributions flow automatically to her SMSF cash account, and from there to her nominated bank account. Her capital remains invested and continues to generate returns.
Ben earns a good salary but wants to build a secondary income stream that works in the background. He invests a portion of his savings across several Income ASFs — a fixed income sub-fund and a distribution-focused sub-fund — and receives quarterly payments directly to his bank account. Over time, he reinvests a portion of the distributions back into additional units, compounding his income position without doing anything active.
Katherine's client is 60 and wants to work part-time for 5 more years before fully retiring. He needs to supplement his reduced income during the transition without taking on excessive risk. Katherine recommends a Fixed Income ASF with a 5-year term, paying quarterly distributions at a defined rate. The distributions supplement his part-time salary during the transition, and the capital is returned at the end of the term — just in time for full retirement.
The Henderson family trust holds investments for the benefit of multiple family members across different tax brackets. By investing in an Income ASF, the trust receives regular distributions that the trustee can then stream to beneficiaries in the most tax-effective way each year. The predictable distribution schedule makes it easier for the trustee to plan the annual distribution resolution — and for the family accountant to prepare tax returns efficiently.
Peter is comfortable with some risk in exchange for the potential for significantly above-market returns. The CardioLink ECG Fund is an Income ASF that generates revenue from ECG device usage fees — every time a CardioLink device is used in a clinical setting, a fee is generated and flows back to the sub-fund. As device deployment grows, so does the income. Peter invests through his SMSF, attracted by the uncapped income potential of the usage fee model and the growing adoption of the technology across Australian healthcare providers. Unlike fixed-rate instruments, his returns can scale materially with the success of the underlying product.
Private equity — historically reserved for institutions and high-net-worth individuals — is now accessible through the Assetora sub-fund structure. Invest in growth-stage companies, fintech, innovation-sector businesses, and profitable private companies seeking liquidity — at the stage where the most significant value is created.
Nadia works in healthcare IT and has watched several companies in her industry grow from startup to market leader. She's frustrated that by the time these companies list on the ASX, most of the early value creation has already happened. Through a Private Equity ASF focused on growth-stage companies, Nadia gains exposure to a pre-commercialisation medtech business through her SMSF — accessing the growth stage that was previously only available to institutional investors and VC funds.
Oliver has accumulated significant equity in his employer through an ESOP over 6 years. The company isn't listing for at least 3 more years and there's no internal buyback program. His shares represent a large part of his net worth but he can't access their value. Through an ESOP ASF on the Assetora platform, Oliver sells a portion of his employee shares to investors who want private market exposure — getting liquidity now while investors gain access to a pre-IPO position.
George has been making direct angel investments for a decade — writing cheques of $50K–$150K into early-stage companies. He's had some wins but also painful losses, and he's tired of the admin, the follow-on capital decisions, and the illiquidity. Through Private Equity ASFs, George accesses curated growth-stage deals that are already structured, managed and held within a regulated scheme — and when he wants to exit a position, he can sell his units on the Assetora Marketplace rather than waiting for a company event.
Carlo owns a group of five cafés that have been profitable for a decade. He doesn't want to sell the business — it's his life's work and still growing — but he wants to unlock some of the capital tied up in it to fund a property purchase and diversify his personal wealth. Through a Private Company ASF, Carlo sells a minority stake in the business to Assetora members, priced on a multiple of earnings. Investors get a share of an established, cash-generating local business. Carlo gets liquidity without relinquishing control — and without the complexity of a trade sale or private equity buyout.
Yasmin's client owns 100% of a profitable private business — his wealth is almost entirely concentrated in one illiquid asset. Yasmin recommends building a diversified investment portfolio across other private businesses as a counterbalance. Private Equity ASFs allow her client to gain exposure to other profitable companies and growth-stage businesses across different sectors, without the management obligations of direct equity. His wealth is diversified while staying in asset classes he understands.
Browse 130+ active ASFs across real estate, lending, income and private equity — or talk to our team about which type is right for your goals.