Investor case study: Confidence in retirement amid rising costs

From property to private credit: how one couple found balance, simplicity, and financial confidence in retirement.

Investor snapshot.

Meet Frank and Priya, self-funded retirees navigating the evolving investment landscape. Their journey with Capspace reflects how private credit can offer stability, income, and peace of mind in retirement.

The challenge.

Frank and Priya had worked hard, saved diligently, and invested wisely throughout their careers. Their goal was simple: enjoy retirement and spend time with their grandchildren.

But with rising living costs and inflation, they began to explore alternative income options, ones that could complement their existing investments and offer greater flexibility.

Exploring alternatives.

They first heard about the Capspace Private Debt Fund through a friend who was already an investor. Private credit was new to them, so they approached it with care. As seasoned investors, they conducted their own due diligence, reviewed the fund’s structure and performance, and sought financial advice.

What appealed most was Capspace’s conservative approach: loans secured by first and second mortgages over property in major capital cities, supported by a disciplined credit process. As property investors, this aligned with the asset-backed investments they understood and trusted.

The solution.

Private credit became one component of their diversified portfolio, sitting alongside direct property and other assets. What stood out most was the certainty of regular monthly distributions, being predictable income without the day-to-day management of investment property.

Over time, as their confidence in the fund grew, they gradually increased their allocation. For Frank and Priya, it wasn’t about chasing the highest return, but about balancing their portfolio with a steady, secure income stream.

The outcome.

Today, Frank and Priya continue to hold direct property investments for growth, and value the balance and added income Capspace brings to their portfolio.

Their investment with Capspace provides:

• Portfolio diversification alongside property and other assets.
• Consistent monthly distributions for simple retirement cash flow planning.
• Security and familiarity, with investments backed by Australian property.
• Transparency and confidence, with regular updates and revaluations.
• Ease of management with no tenants, maintenance, or unexpected costs.
• Peace of mind, knowing their capital supports Australian SMEs.

Reflection.

For Frank and Priya, investing with Capspace goes beyond returns. They are confident their savings are secure, and they are consistently informed which allows them to enjoy retirement as they intended, giving them freedom to spend time with family and indulge in life’s small pleasures.

*This case study reflects an actual investor experience, shared with adjustments to protect client privacy.

—

Why investors choose Capspace.

• Security with discipline: Every loan is backed by real assets such as property, business assets, and personal guarantees, and passes through a multi-stage credit assessment.
• Consistent income: Monthly distributions provide reliable cash flow for retirement planning, SMSF drawdowns, or simply keeping pace with rising living costs.
• Diversification: Exposure to a broad mix of borrowers and industries reduces concentration risk while delivering steady returns.
• Clear boundaries: Capspace does not lend to construction or development projects, reducing exposure to higher-risk sectors.
• Liquidity confidence: 60-day redemptions, with 100% of requests met to date, give investors assurance their capital is accessible.
• Proven track record: Since inception, the fund has consistently achieved its 8%–10% p.a. target returns.
• Transparency and trust: Investors have direct access to dedicated client liaisons and Capspace’s directors, supported by clear reporting.
• Industry recognition: Recognised as a finalist for Best Fund Manager of the Year – Private Credit, Innovator of the Year, and Non-Bank of the Year.
• Positive impact: By funding Australian SMEs, investors support local growth, and through initiatives like Most Important Meal, also help ensure no child goes to school hungry.

Interested in how private credit could fit into your portfolio? Get in touch with the Capspace team, or subscribe to our monthly investor newsletter to receive insights, updates, and opportunities straight to your inbox.