


Scott拥有超过26年的全球投资管理经验,曾在澳洲、伦敦和香港的全球顶级银行工作。
在成立RAM前,Scott于UBS Wealth Management担任董事总经理及国际银行产品主管,负责领导一个横跨17个国家的专业金融人士团队。
在UBS Wealth Management 工作13年期间,Scott还担任过其他重要的职位,包括曾往英国出任银行产品主管及亚太地区银行产品主管。
加盟UBS Wealth Management 之前,Scott在澳大利亚布里斯班的National Australia Bank开始他在企业银行的职业生涯。
Scott拥有澳大利亚Griffith University商业学士学位,以及Kellogg Business School及香港科技大学联合颁授的行政人员工商管理硕士学位。


Scott在澳大利亚及英国各大顶级金融机构累积超过30年的全球财富管理与资产管理经验。
在加入RAM之前,Scott曾担任UBS Wealth Management Australia的董事总经理及投资产品与服务部主管,负责监督所有为澳大利亚高端财富经理提供的产品,管理资产高达240亿澳元。
在加盟UBS Wealth Management Australia前,Scott也曾担任过Macquarie Private Wealth Australia 的全国销售总监。
此前,Scott共同建立总部位于英国泽西的专业财富与资产管理公司Corzon Capital,并曾担任过Kleinworth Benson私人客户部门联席主管。而在最初,他是在伦敦Mercury Asset Management展开其金融业生涯。
Scott拥有英国University of Leeds的企业管理学士学位,并且是英国特许证券投资学会的会员。


William拥有超过28年的国际银行及财富管理经验。
在加入RAM前,William是Credit Suisse Hong Kong的私人银行副总裁,负责为大中华地区的高净值客户管理及开发投资组合。
加盟Credit Suisse Hong Kong之前,William曾担任National Australia Bank的亚洲移民银行业务部主管,负责澳大利亚、纽西兰及英国的投资移民业务;以及在加拿大、香港及北京的Canadian Imperial Bank of Commerce负责亚洲银行业务部及加拿大投资移民计划,合共累积16年的经验。
William拥有美国Central University of Iowa的工商管理学士学位,能说流利英语、普通话及粤语。
执行董事和董事 (按首字母排序)


Agnes拥有超过20年的客户关系和行政管理经验,曾为澳洲和香港的领先机构工作。
自2013年加入RAM以来,Agnes在推动公司发展方面发挥了关键作用。她专注于与客户建立稳固而持久的关系,并为客户提供专业的建议和指导,以帮助其实现投资目标。
Agnes也是全球投资移民项目的专家,对包括澳洲重大投资者签证计划有深入认识。自188C签证在2012年推行至今,Agnes已为众多客户提供专业的咨询服务。
Agnes拥有苏格兰University of Strathclyde的酒店管理学士学位。她能说流利的英语、粤语和普通话。


Craig担任首席技术官一职,他在信息技术行业有超过20年的经验,建立和实施的技术解决方案涉及金融服务、法律和酒店等行业,并仍在不断探索新的业务能力,推动效率执行和解决业务问题。
在加入RAM前,他曾在MA金融集团担任资产管理、企业咨询和借贷部门的技术主管,负责开发和交付MA的IT战略、转型计划和技术路线图。
Craig拥有南非大学的商业管理学士学位。


David在资产管理领域拥有超过20年的财务和运营团队管理经验。
在加入RAM之前,David是美国道富银行的另类投资业务主管,负责在澳洲启动和建立另类投资服务业务。在此之前,他在伦敦工作了14年,担任Hermes投资管理公司私人市场业务的财务总监。
David拥有西澳大学的商学学士学位,是澳洲和新西兰特许会计师协会的成员。


Jason在澳洲和伦敦拥有超过25年的金融从业经验。
在加入RAM之前,Jason曾担任澳洲证券交易所上市的非银行贷款机构Resimac的首席财务官,同时还担任其他职务,包括领导 Resimac的马尼拉业务,以及作为首席执行官管理Resimac新西兰公司。
在加入Resimac之前,他曾在Bankwest、麦格理银行以及英国的Fortress和3i等私募股权公司担任重要的高级职务。
Jason是一位受人尊敬的金融服务领导者,曾在多个领域成功实施战略计划,包括金融、财务、分销、运营、数据和商业智能、品牌和客户体验。
Jason是澳洲注册会计师协会会员和澳洲公司董事协会毕业生。


Strotton在全球房地产市场拥有超过26年的工作经验,涉及资本交易、产品开发、投资和基金管理业务。
在加入RAM之前,Strotton曾在昆州州政府旗下的QIC Global Real Estate任职超过19年,担任全球总监暨基金管理主管, 负责澳洲和美国的资本交易、批发基金和客户委托事务。作为 QIC Global Real Estate 领导团队的一员,Strotton负责监督该集团所有的直接和非上市投资活动,并在美国建立了QIC Global Real Estate的离岸能力。
Strotton在担任QIC Global Real Estate基金管理主管之前,也曾参与该集团开发和资产管理以及资本交易的工作。
在此之前,Strotton曾任职Lendlease,负责澳洲一系列的开发工作。


Adam担任董事及证券化和融资主管,拥有超过14年的债务融资经验。
在加入RAM之前,Adam是Resimac的财务和证券化团队的成员,负责Resimac住宅抵押贷款组合的融资工作。在此职位中,Adam负责管理各种仓库设施融资关系,同时安排住宅地产抵押贷款证券(RMBS)交易,以满足企业的持续资金需求。
Adam拥有Macquarie University的工商管理(金融)学士学位和Ecole de Management de Normandie的欧洲商业学士学位。”


Adam在澳洲和英国的建筑行业拥有26年的经验。
在加入RAM之前,Adam曾在澳洲领先的私立医院运营商之一Healthe Care Australia担任开发和建设执行经理,管理和交付了超过3.5亿澳元的棕地和绿地项目。


Adam拥有20多年的金融从业经验,曾任职于悉尼和英国伦敦的一些知名金融机构。加入RAM之前,他曾在DWS担任客户关系总监,负责管理与批发、财富和家族办公室客户的关系。
在此之前,他曾在总部位于加利福尼亚的资产管理公司Research Affiliates就职,领导澳洲销售和营销工作,并在伦敦的LGIM(富时100指数上市公司Legal & General Group旗下公司)担任指数和多元资产分销主管。


Andrew 担任房地产财务主管。 Andrew在金融、分析、运营和技术方面拥有20 多年的多领域经验。
在加入RAM前,Andrew 曾担任McConaghy Properties的首席财务官,负责领导财务和技术职能。在此之前,他常驻悉尼,担任Blackstone投资组合公司151 Property的副首席财务官。他还曾在 Stockland、Dexus 和 Balmain NB等行业领先公司担任过多个重要职位,专注于房地产、投资银行、私募股权和基金管理。
Andrew 拥有格里菲斯大学法学学士学位和商业会计学士学位,并且是澳洲和新西兰特许会计师协会的会员。


Anthony 在固定收益市场拥有超过 13 年的工作经验,曾在香港多家金融机构任职。
在加入RAM之前,Anthony是Avenue Investment Management的固定收益主管,负责管理以固定收益为重点的共同基金和全权委托账户。他还曾在VMS Asset Management和Harvest Global Investment担任固定收益投资组合经理。在此之前,Anthony曾在Moody投资者服务公司担任信贷分析师,负责企业信贷业务。Anthony还曾在法国兴业银行担任信贷和股票策略师团队的分析师。
他以优异成绩获得埃克塞特大学理学硕士学位和香港城市大学金融学工商管理学士学位。他还是特许金融分析师(CFA)。


Doug 在商业房地产领域拥有超过15年经验,涵盖基金管理、物业开发及资本交易等范畴。
自2018年加入 RAM 以来,Doug 一直是集团房地产业务扩展的核心人物。作为资本交易主管,他负责领导集团旗下各房地产基金的资产收购及退出策略,推动整体投资组合的优化与增长。
他曾担任 RAM 基础服务房地产基金(ASX: REP)的首席投资组合经理,管理涵盖医疗及民生零售资产的多元化物业组合。在加入 RAM 之前,Doug 曾于JLL(仲量联行)的资本市场及策略顾问团队任职,累积了丰富的交易结构、资产组合操作、基建咨询及财务模型经验。
Doug拥有University of Queensland主修金融的商务学士学位,以及主修房地产和房地产开发的商业管理学士学位。


Jennifer在市场营销和公共关系领域拥有超过10年的工作经验,曾任职澳洲、香港和澳门的机构。
Jennifer在2014年加盟RAM前,她曾在Classic杂志担任编辑。她亦曾任职于纵横财经公关顾问集团、电视广播有限公司((TVB)和科乐美数字娱乐株式会社。
Jennifer拥有香港中文大学社会科学院广告硕士学位及新闻与传播学院学士学位,能说流利英语、普通话及广东话。


Michael担任投资运营主管。
在加入RAM前,Michael在Link Fund Solutions Pty Limited的投资运营团队工作。作为投资组合分析师,Michael 负责为多位基金经理提供投资运营服务。
Michael 拥有悉尼科技大学的商业学士学位。


Michael在澳大利亚领先的金融机构累积超过24年的全球财富管理及资产管理经验。
在加入RAM前,Michael是Macquarie Bank的高级投资组合经理,负责自主管理客户账户业务。
他拥有超过12年的投资组合经理经验,曾担任投资团队的高级职员,管理超过十亿澳元的客户自主管理资金,并直接负责超过4.4亿澳元的客户固定利率和信贷投资。 Michael还拥有股票、A-REIT、策略性资产分配和战术性资产分配的管理经验。
Michael之前在Macquarie Bank的工作涉足交易、衍生品、客户谘询和货币市场活动。而他在Macquarie Bank的第一份职务是负责交易所的运营,之后担任澳大利亚交易所自动交易系统的管理人。
而在加入Macquarie Bank之前,他还曾在Westpac Bank 担任证券专员的职务。
Michael拥有Adelaide University的商贸金融学位(商贸学士及金融学士),并取得应用金融与投资领域的深造文凭。他也是一位特许金融分析师(CFA)及澳大利亚金融服务协会的研究员(F Fin)。


Mike担任资金管理董事一职,负责RAM房地产部门非上市产品的资金管理。Mike还在其房地产交易的投资发起、分析和执行方面发挥了主导作用。
在加入RAM前,Mike是Elanor Investors Group的资本交易经理,专注于医疗和办公领域的收购。在此之前,MIke是昆士兰投资公司(QIC)资本交易团队的一员。Mike直接参与了约35亿澳元的房地产交易,涉及多个领域。
Mike毕业于越南胡志明市Le Hong Phong 天才高中,之后获得昆士兰大学的奖学金,攻读经济学学士和商业硕士。Mike曾在昆士兰大学担任过经济和金融方面的教学工作,目前是该校房地产专业的客座讲师。
Mike还是CFA三级特许金融分析师候选人。


Peter 拥有超过25年的财务和房地产专业经验,曾在私营集团和澳交所上市集团的最高管理层和执行领导团队中工作。他具备先进的财务洞察力和卓越的财务与债务管理技能,并在多个资产类别中积累了丰富的经验。
在加入RAM前,Peter曾在一家著名的多元化私人房地产集团担任首席财务官,负责监督财务职能、资本管理、报告、预算编制和税务活动。他曾在Decmil任职7年,在高级领导团队中担任过各种职务,负责集团的所有物业和不动产权益。他还曾在 Stockland、Morgan Stanley Real Estate、Marcol Property Group等机构担任高级职务。
Peter持有昆士兰大学商学学士学位,是一名注册执业会计师(CPA),且是澳洲公司董事协会(Australian Institute of Company Directors)的毕业生。


Sam在商业房地产界拥有超过20年的工作经验,他曾在City of Brisbane Investment Corporation (CBIC)、Vicinity Centers和Urbis工作过。
在加入RAM之前,Sam曾担任CBIC的投资组合经理,负责监督零售地产投资组合,并主管该业务的基金和投资分析业务。 Sam从事过的领域十分广泛,包括资本交易、开发、资产管理、贷款、研究及基金分析。
在加入CBIC之前,Sam是澳大利亚第二大零售地产业主Vicinity购物中心的高级房地产分析师。他负责为澳大利亚全国100个购物中心投资组合提供开发、租赁、资本交易和管理团队战略建议。
此前,Sam也是Urbis咨询公司的助理董事,专门负责零售购物中心和混合用途开发战略,并负责管理200多个私营和上市项目。
Sam拥有 University of Queensland的工商管理学士学位,主修房地产和房地产开发。


Stuart在澳大利亚金融服务行业拥有21多年的工作经验,专注于信贷审批及抵押贷款承销业务。
在加入RAM之前,Stuart曾是Resimac澳大利亚贷款部主管和责任管理人,负责Resimac澳大利亚贷款承销团队的全面管理。
此前,Stuart曾在St George Bank和Bluestone Mortgages负责信贷审批工作。作为信贷部主管,Stuart的职责包括审批所有贷款申请,并确保准确且一致的信贷决策。
Stuart拥有澳大利亚按揭贷款、房产贷款经纪,以及培训和审批方面的专业资格。


Suzanne 担任人力资源主管。 Suzanne在各大专业企业服务机构累积了超过25年的工作经验,当中包括Boeing 和 Accenture。
在加入RAM之前,Suzanne 在 Biarri 集团(一家颠覆性技术公司)担任人力资源高级主管超过 8 年。
Suzanne 拥有南昆士兰大学的信息技术学士学位。


Thomas是RAM的董事和驻于悉尼客户顾问,拥有超过21年财富管理及客户关系管理经验。
加盟RAM前,Thomas曾担任悉尼中国工商银行的财富管理经理及高级业务发展经理,负责私人及机构客户的收购业务和关系管理。
在此之前,Thomas曾在First Prudential Markets担任高级销售客户经理、Origin Energy担任能源交易分析师,并在ANZ E*TRADE Australia Securities Limited担任高级双语客户服务代表。
Thomas拥有University of New South Wales的文学学士和理学学士学位,以及University of Technology Sydney的环境工程管理硕士学位,能说流利英语和普通话。
订阅我们的电子期刊,追踪最新的投资见解和市场动态。
订阅我们的电子期刊,追踪最新的投资见解和市场动态。
Real Asset Management Pty Limited 澳洲公司编号 162 123 408 澳洲金融牌照 484263
本网站包含注册商标和其他受法律保护的商标。
未经我们事先书面同意,任何人士不得使用我们或相关机构持有的商标。
By accessing the electronic Prospectus, you agree to and acknowledge reading these terms. If you would like us to send you a copy of the Prospectus and an Application Form, please contact the information line by telephone on 1300 911 275 (within Australia) or +61 1300 911 275 (outside Australia) during the period in which the offer for shares remains open and a copy will be sent to you free of charge.
Capitalised terms and abbreviations used in this Notice and the electronic Prospectus, unless specified otherwise, have the meanings given in the glossary of the Prospectus at Appendix A.
RAM Income Capital Ltd (ACN 690 030 187) (Issuer) lodged a Prospectus dated 15 September 2025 (Prospectus) with the Australian Securities and Investments Commission (ASIC) for the issue of between 1,500,000 and 3,000,000 unsubordinated, secured, deferrable, cumulative and redeemable retail notes (RAM Secured Income Notes or Notes) by the Issuer under the Prospectus (Offer). The electronic copy of the Prospectus available on this website is a substantially faithful copy of the paper copy lodged with ASIC. The Prospectus contains details required by investors for the Offer.
In accordance with Chapter 6D of the Corporations Act 2001 (Cth) (Corporations Act), the Prospectus will be subject to an exposure period of 7 days from the date of lodgment of the Prospectus with ASIC. This period can be extended by ASIC for a further period of 7 days.
This Notice does not form part of the Prospectus. You must read it before you attempt to access the electronic version of the Prospectus on this website and indicate your agreement or otherwise at the bottom of this Notice.
The Prospectus is an important document that should be read in its entirety. Potential investors should read the entire Prospectus and, in particular, in considering the prospects for the Issuer, investors should consider the risk factors that could affect the performance of the Issuer or the Notes, which are more fully detailed in Section 6 of the Prospectus. You should carefully consider these factors in light of their personal circumstances (including financial and taxation issues) and seek professional advice from a licensed investment adviser.
Neither ASIC nor the Australian Securities Exchange Limited (ASX) take any responsibility for the contents of the Prospectus or the investment to which it relates.
The Notes are not “simple corporate bonds” and do not comply with the requirements for simple corporate bonds under the Corporations Act.
Cooling off rights do not apply to an investment in Notes offered under this Prospectus. This means that, in most circumstances, you cannot withdraw your Application.
The Prospectus expires on [insert]. No Notes will be issued on the basis of the Prospectus after that expiry date.
The assets of the Issuer are managed by Real Asset Management Pty Limited (RAM or the Investment Manager), part of the RAM Group, an Australian investment management company. The RAM Group is an Australian alternative income asset manager, providing investment solutions globally in credit, real estate and private markets, for institutions and externally advised clients.
The Notes are a promise by the Issuer to pay monthly Distributions (subject to the deferral of payments described in the Prospectus) and the Face Value of the Notes on the Maturity Date.
The Issuer will invest the proceeds of the Notes into secured loans to gain indirect exposure to a diversified pool of debt and debt securities.
The electronic Prospectus on this website must only be accessed from within Australia or New Zealand, or by Professional Investors in Hong Kong and Singapore or Qualified Institutional Investors and Joint Stock Companies which qualify as Professional Investors (as defined under the FIEL) in Japan.
If the electronic Prospectus is accessed by a person from outside Australia or New Zealand, or by Professional Investors in Hong Kong and Singapore or Qualified Institutional Investors and Joint Stock Companies which qualify as Professional Investors (as defined under the FIEL) in Japan, it should not be downloaded or printed, nor should any application be made by that person for Notes. The Notes are not being extended, and the Notes will not be issued, to applicants with a registered address which is outside Australia, New Zealand or Professional Investors in Hong Kong and
Singapore or Qualified Institutional Investors and Joint Stock Companies which qualify as Professional Investors (as defined under the FIEL) in Japan.
The electronic Prospectus does not constitute an offer or invitation in any jurisdiction, or to any person, where it would not be lawful to make such an offer or invitation. No action has been taken to register or qualify this Prospectus, the Notes or the Offer, or to otherwise permit a public offering of Notes, in any jurisdiction outside Australia.
The distribution of the electronic Prospectus in any jurisdiction outside Australia may be restricted by law and persons who come into possession of this Prospectus outside the permitted jurisdictions should seek advice on, and observe, any such restrictions. Any failure to comply with such restrictions may constitute a violation of applicable securities laws. Applicants should consult their professional advisers as to whether any governmental or other consents are required or whether any other formalities need to be considered and followed. It is the responsibility of any applicant outside Australia to ensure compliance with all laws of any country relevant to that applicant's jurisdiction. Eligible investors who are nominees, trustees or custodians are therefore advised to seek independent advice as to how they should proceed.
No action has been taken to register or qualify the Prospectus, the Notes or the offer in any jurisdiction outside Australia. In particular, this Prospectus may not be released or distributed in the United States. The Notes have not been, and will not be, registered under the US Securities Act of 1933, as amended (US Securities Act) or the securities laws of any state or other jurisdiction of the United States and may not be offered or sold, directly or indirectly, in the United States unless the Notes are registered under the US Securities Act or are offered and sold in transactions exempt from, or not subject to the registration requirements of the US Securities Act and any other applicable securities laws in the United States.
The Corporations Act imposes obligations on the Issuer to determine an appropriate Target Market for the Offer. The Issuer has issued a Target Market Determination with respect to the Notes which is available at https://ramgroup.com/RAMHA.
If you are a Retail Investor and wish to participate in the Offer you can only do so through the Broker Firm Offer. You must seek professional advice as to whether you are within the Target Market of the Notes set out in the Target Market Determination and if an investment in the Notes is suitable for you in light of your particular investment objectives, financial situation and needs.
You can only apply for the Notes if you are within the Target Market of the Notes and you have received personal advice from a qualified financial adviser. If you wish to apply for the Notes, you must contact a Broker.
Subject to the lapsing of the exposure period, applications for Notes may only be made by completing and lodging the Application Form attached to or accompanied by a paper copy of the Prospectus in accordance with the directions specified in the Prospectus.
The Offer includes a Broker Firm Offer. Please contact your Broker to discuss the suitability of the Notes given your specific investment objectives, current portfolio holdings and if appropriate secure an allocation.
After the lapsing of the exposure period, the electronic version of the Prospectus includes an Application Form at the end of the document. The Corporations Act prohibits any person from distributing to any other person an Application Form unless it is attached to a paper copy of the Prospectus or accompanies a complete and unaltered version of the electronic Prospectus.
If you have any questions about this Notice of the Prospectus or how to apply for Notes, you should seek advice from your accountant, financial adviser, stockbroker, lawyer or other professional adviser.
Alternatively, please contact the Issuer's Offer Information Line on 1300 911 275 (within Australia) or +61 1300 911 275 (outside Australia) between 8:30am and 5:30pm (Sydney time) Monday to Friday during the Offer Period.
The information on this website is provided for informational purposes only and subject to change without notice.
Nothing contained on this website or in the Prospectus constitutes investment, legal, business, taxation or other advice, nor is it to be relied on in making an investment in Notes. The information on this website and in the Prospectus does not take into account your investment objectives, financial situation or particular needs.
Subject to the terms contained in this Notice, an electronic copy of the Prospectus may be viewed or downloaded. You should ensure that any copy you view or print is complete.
I confirm have read and understood this Notice and agree to the terms and conditions above.
