THE GOLDEN TIMES
With alternative investments having growing appeal, the need for self-funded retirees and their advisers to do their due diligence has never been more important – as a recent ASIC report highlighted.
The demise of the $40 billion hybrid market by 2032 will simply fuel the growing appeal of private credit – especially for self-funded retirees.
SELFMANAGEDSUPER
The recent experience of a fund manager specialising in private credit suggests more SMSF trustees are looking to include this asset class in their fund portfolios.
“This year since 1 July, that is the start of the financial year, over 30 per cent of the new entities that have been registered for investment with our business have been SMSFs,” Zagga executive director Tom Cranfield told selfmanagedsuper.
FS SUSTAINABILITY
Specialist real estate private credit investment manager Zagga has signed onto the UN-backed Principles of Responsible Investing (PRI).
In doing so, Zagga joins a global network of responsible investing advocates, and formalises its commitment to integrating ESG principles into its investment decisions and operational practises.
INVESTOR DAILY
As a Principles for Responsible Investment (PRI) signatory, Zagga has committed to integrate sustainability factors into all investment stages, from analysis to reporting.
Zagga first established its independent ESG advisory committee back in 2023, which is mandated to advise and oversee the integration of environmental, social and governance (ESG) considerations into Zagga’s investment and operational strategies.
ALTERNATIVE FUTURE FOUNDATION
As part of Sydney Alts Week 2025, our Executive Director, Tom Cranfield, sat down with Nina Dunn, Director of the Alternative Future Foundation
WEALTH & SOCIETY
The PRI is the world’s leading advocate for responsible investment. Joining its global network formalises Zagga’s commitment to embedding Environment, Social, and Governance (ESG) considerations across investment and operational decision-making and practices.
Nikki Kemp, Singapore-based Independent Chair of Zagga’s ESG Committee, Director of Singapore Green Finance Centre and former World Economic Forum Executive, said this was an important milestone signalling Zagga’s determination to integrate ESG at every level.
STOCKHEAD & THE AUSTRALIAN
When share prices climb faster than profits, dividend yields naturally shrink. So while stocks look elevated, those once-reliable cheques don’t carry the weight they used to.
For income-hungry investors, the hunt is on for something steadier.
One corner of the market that’s quietly moving into the spotlight is private credit – and in particular, real estate-backed private credit.
STOCKHEAD & THE AUSTRALIAN
The term ‘commercial’ has been synonymous with property for decades. It conjures images of office towers, industrial blocks, and retail precincts. However, in the context of commercial real estate debt (CRED) – part of the broader real estate private credit market – commercial doesn’t describe the building, but rather, the underlying loan transaction. It’s about lending to a commercial borrower, typically a developer, and assessing the quality of the sponsor, the project, risk exposure, and execution. Tom Cranfield, Executive Director of Risk & Execution at Zagga, explains why this distinction matters for investors.
STOCKHEAD & THE AUSTRALIAN
SMSFs are turning to private credit, says Zagga, which is focused on showing “commercial” lending is less about skyscrapers and more about strong sponsors, steady margins and projects that actually stack up.
SMSF ADVISER
Tax has historically been levied on realised gains – profits made, not valuations. Division 296 breaks that tradition, creating a scenario where investors may owe tax on unrealised gains – values that could just as easily reverse.
This adds complexity for investors: it’s no longer just about selecting asset classes, but about structuring portfolios to manage tax exposure.
THE GOLDEN TIMES
With alternative investments having growing appeal, the need for self-funded retirees and their advisers to do their due diligence has never
SELFMANAGEDSUPER
The recent experience of a fund manager specialising in private credit suggests more SMSF trustees are looking to include this asset class in
FS SUSTAINABILITY
Specialist real estate private credit investment manager Zagga has signed onto the UN-backed Principles of Responsible Investing (PRI).
In doing so, Zagga
INVESTOR DAILY
As a Principles for Responsible Investment (PRI) signatory, Zagga has committed to integrate sustainability factors into all investment stages, from analysis to
ALTERNATIVE FUTURE FOUNDATION
As part of Sydney Alts Week 2025, our Executive Director, Tom Cranfield, sat down with Nina Dunn, Director of the Alternative
WEALTH & SOCIETY
The PRI is the world’s leading advocate for responsible investment. Joining its global network formalises Zagga’s commitment to embedding Environment, Social,
STOCKHEAD & THE AUSTRALIAN
When share prices climb faster than profits, dividend yields naturally shrink. So while stocks look elevated, those once-reliable cheques don’t
STOCKHEAD & THE AUSTRALIAN
The term ‘commercial’ has been synonymous with property for decades. It conjures images of office towers, industrial blocks, and retail
STOCKHEAD & THE AUSTRALIAN
SMSFs are turning to private credit, says Zagga, which is focused on showing “commercial” lending is less about skyscrapers and
SMSF ADVISER
Tax has historically been levied on realised gains – profits made, not valuations. Division 296 breaks that tradition, creating a scenario where
We would like to acknowledge the Traditional Custodians of the lands, seas, and communities in which we provide our services. We would also like to pay our respects to the Elders past, present and emerging, and the continuing cultural influence they have on Australia.
Zagga Market Pty Limited (Australian Credit Licence 490904) ACN 611 662 401 acts as the Servicer of loans acting on behalf of the credit provider, Zagga Investments Pty Limited (AFSL 492354) ACN 615 154 786, trustee of the Zagga Investments Lending Trust
All portfolio numbers quoted correct as at 1 October 2025.
*Average investor return across the active portfolio as at 1 October 2025.
**Target return is after expenses and any applicable management fees for the year ended 30 June 2026. OCR = Australian Reserve Bank Official Cash Rate.
Past performance is not a reliable indicator of future performance and investments are subject to investment risk, fees and costs. Returns are not guaranteed.
Prospective investors wishing to invest in a Zagga direct investment or a Zagga Fund should fully consider the Information Memorandum, ZFF Fact Sheet and/or ZWF Brochure, available from Zagga, before applying to invest. Investments are subject to risks.
Articles on this website have been prepared by Zagga Investments Pty Limited (AFSL 492354) ACN 615 154 786 (Zagga) for information purposes only. It doesn’t take into account your objectives, financial situation or needs, nor is it intended as a substitute for any accounting, tax or other professional advice, consultation or service. Nothing in this article shall be construed as a solicitation to buy or sell any financial product, or to engage in or refrain from engaging in any transaction.
Past performance should not be taken as an indication or guarantee of future performance and no representation or warranty, express or implied, is made regarding future performance. Economic conditions may change.
Any analysis provided in this article is based on information obtained from sources believed to be reliable but Zagga does not make any representation or warranty that it is accurate, complete or up to date. Zagga accepts no obligation to correct or update the information or opinions in it. Any opinions expressed in this article are of the author and is subject to change without notice. Readers are reminded to exercise caution and use their own judgment when interpreting and applying the information contained in this article No member of Zagga accepts any liability whatsoever for any direct, indirect, consequential or other loss arising from any use of such information.
