Invest in what makes the world run

Unlike traditional bond funds, private credit gives you access to privately negotiated loans that are not traded in public markets. These loans often offer higher yields and risk management due to their collateral and position in the capital structure, such as with senior secured private credit (highest seniority). However, they also typically come with restricted liquidity and lock-up periods compared to public market instruments.

- Higher yield potential: Because private loans are less liquid and use tailor-made contracts, they often pay a premium.

- Risk management through seniority structure: Private credit includes loans that are provided to companies at varying risk levels and therefore provide varying return profiles as well. This is called a seniority structure. Senior secured private loans sit at the top of the capital structure for priority repayment, offering a layer of protection in the rare event of a default.  

- Low correlation to public markets: Private credit typically has a low correlation to public markets, which helps diversify your portfolio and reduces overall volatility. Unlike public bonds, private credit instruments are not traded on exchanges and are therefore not marked-to-market daily — this results in more stable returns that are less affected by short-term market swings.

- Restricted liquidity: Unlike public bond funds, private credit products have traditionally come with multi-year lock-ups ranging from 3-10 years. 

Private Credit is a USD-denominated income-generating portfolio only available to Reserve clients (Accredited Investors).

Private credit involves the provision of debt capital by non-bank entities, including private equity funds, hedge funds, and direct lending platforms, to businesses seeking financing. Unlike public credit markets, private credit transactions are not traded on public exchanges, and terms are negotiated directly between lenders and borrowers. This alternative form of lending typically targets companies with limited access to traditional bank loans, offering more flexible terms, higher interest rates, and customised structures that may include mezzanine financing, senior secured debt, or other non-traditional debt instruments.

Private infrastructure refers to investing in the essential physical assets and services that form the backbone of our economy and society. Instead of buying stocks, this involves taking an ownership stake in real assets that are not traded on public exchanges. Examples include airports, toll roads, data centres, renewable energy projects like wind farms and solar parks, and utility networks. The investment goal is to generate stable, long-term returns from the essential services these assets provide, which often come with predictable cash flows and inflation protection.

Private infrastructure offers a unique risk and return profile compared to public stocks and bonds, making it a powerful portfolio diversifier.

• Potential for stable, predictable cash flows: Infrastructure assets provide essential services (like electricity, data, and transport) that have consistent demand regardless of the economic cycle. This results in reliable, long-term revenue streams backed by contracts or regulated frameworks.
• Inflation hedge: The revenue generated by the majority of infrastructure assets, such as tolls or energy payments, is contractually linked to inflation rates. This provides a natural hedge, helping to protect your investment's purchasing power over time.
• Low correlation to public markets: Performance is driven by the operational success and contractual revenue of the underlying assets, not daily market sentiment. This low correlation to public market swings helps reduce overall portfolio volatility and provide stability during turbulent periods.
• Long‑term investment with semi‑liquid access: While infrastructure is fundamentally a long‑term strategy designed to capture the steady growth of real assets, StashAway’s Private Infrastructure (Semi‑liquid) portfolio gives you regular liquidity with no multi-year lock-ups for more flexibility than traditional private market offerings. 

No, returns are not guaranteed. While real assets such as infrastructure are commonly known as hedges against inflation with defensive characteristics, all investments carry risk. Returns are dependent on the performance of the underlying assets, potential regulatory changes, interest rate fluctuations, and overall economic conditions. The value of your investment can go down as well as up, and you could lose the principal amount invested.

While StashAway Private Infrastructure (Semi-liquid) does not come with multi-year lock-ups, there is still a short lock-up period, after which you will be able to make redemptions, subject to meeting the underlying fund’s withdrawal criteria. 

There is no maximum number of subscriptions you can make. After your initial investment, you’re free to make additional subscriptions at any time, with no new lock-up period applied, subject to a minimum deposit amount.

Just note that redemptions can only be requested once the initial short lock-up period from your first subscription has ended.