How do I invest in the MoneySpot Investment Fund?

Individuals, companies, and trusts (including SMSF trusts) can invest in the MoneySpot Investment Fund. We also permit joint accounts.

To invest as an individual (or as part of a joint account) you must have an Australian bank account and be at least 18 years of age. We will also need to be able to confirm your identity.

Investors may apply for Units in the Fund by completing the online Application Form available at invest.moneyspot.com.au.

You can transfer funds to our trust account with details below:

Account name MoneySpot Investments Limited Trust Account
Bank Commonwealth bank
BSB 062-258
Account number 11078730

What is the minimum investment?

The minimum investment is $1,000. Although there is currently no maximum, MoneySpot Investments Limited reserves the right to cap the amount of your total investment.

Until Units are issued, Application Monies will be held on trust. Any interest accrued on Application Monies will not be returned to Investors where Units have not been allotted. Allotment of Units will be made as soon as practicable after an application has been processed. The RE reserves the right to allot Units in full for any Application or to allot any lesser number and to decline any Application received.

What does the fund invest in?

The Fund lends money to, or invests in unsecured notes issued by MoneySpot Finance, ACL #450305 a participant in the small, medium and personal loan segment of the credit market. In turn, MoneySpot Finance uses the funds to finance and grow its loan book.
Repayments are withdrawn from borrowers’ bank accounts via direct debit on the day that they receive their pay from their employer.

The application process is online and available 24 hours a day, 7 days a week. MoneySpot Finance typically able send loan funds in less than 60 minutes from the time the application is assessed.

MoneySpot Finance carefully examines an applicant’s employment, credit file and circumstances to understand their financial position and ability to service the loan. It is very important to understand the purpose of the loan and whether the loan is affordable for the borrower in the context of the applicant’s monthly income, expenses and assets. Our standards mean that we aren't able to assist a majority of borrowers that submit an enquiry. Those who are accepted are creditworthy borrowers who we believe can sensibly afford a loan.

If additional funds are raised, then the Fund will approach other licensed local and overseas companies that compete in the same segment of the credit market and consider funding their loan books at a comparative return. The Fund will not lend more than 10 percent of the gross assets of the Fund to any other entity.

What is the Investment Term?

The minimum investment period is 6 months.

The fund is illiquid, and investors have no right to withdraw the investment.

Withdrawals can only be made in response to a withdrawal offer made by us. We aim to make routine withdrawal offers to investors in each Unit Class every 6 months from the date of issue. However, many factors may affect our ability to make such an offer.

Potential investors should refer to the Product Disclosure Statement.

How is risk managed?

As with any lending, there are risks, including the risk that a borrower is late in making payment or defaults on their loan.
MoneySpot Finance takes a number of measures to help minimise the risk of lenders losing money due to borrowers being late in making payments or defaulting on their loan. MoneySpot Finance's bad debt rate is approximately 5% of principal lent.

Are there any fees?

The fees paid by investors of the fund consist of a Management Fee of 1.075% pa of the net asset value of the fund; and an Expense Fee of 1.025% pa of the net asset value of the fund. The target rate of 12.8% pa is after these expenses have been deducted and is the targeted return to you, the investor.

How do I reinvest my distributions?

You can elect to automatically reinvest interest and/or principal as it is received.

Can I draw an income from interest payments and reinvest capital?

Yes, by combining 'Reinvestment' and 'Auto-Withdrawal' settings you can re-invest only the principal component of the payments you receive and draw an income to your nominated bank account.

Can I invest funds through a self managed superannuation fund?

Yes, self-managed superannuation funds (SMSFs) can invest with MoneySpot. SMSFs are typically structured as trusts - simply select the relevant trust type during the online application process.

How can I make a complaint?

MSI Funds Management Limited offers its investors both an internal and external dispute resolution process that is readily accessible and free.

If you have a complaint, please give us the opportunity to fix the problem. We will investigate the matter, answer your questions, and do all we can to rectify the issue to your satisfaction.

To help us help you, please follow this step-by-step process:

  • Gather all documents that relate to your complaint, think about the questions you want answered and decide what you want us to do.
  • Write to us or speak to us directly. If we can, we will resolve the issue straight away.
  • If we need time to investigate, we let you know how long we anticipate to take and who in our team will be looking after your complaint.

We will acknowledge your complaint in writing within 1 business day of receiving your complaint either requesting further information and/or setting out a process and timeframe to resolve it.


Complaints Officer
PO Box 1006
Strawberry Hills NSW 2012


1300 048 156




If you are not satisfied with our response to your complaint, you have the right to refer the matter to the External Dispute Resolution Scheme (AFCA).


Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001


1800 931 678






You may also choose to refer the matter to the Australian Securities and Investments Commission (‘ASIC’). ASIC may be contacted on their free call Infoline 1300 300 630.

Updated 7 October 2021


The information on this website is general financial product advice only.  It has been prepared without taking into account your objectives, financial situation or needs and because of that you should, before acting on the advice, consider the appropriateness of the advice having regard to your objectives, financial situation and needs.  You should obtain the product disclosure statement (PDS) relating to the offer of units in the MoneySpot Investment Fund ARSN 616 929 849 (Fund) and consider the PDS before making any decision about whether to acquire, or to continue to hold, units in the Fund. The issuer of units in the Fund, and the provider of the advice on this website, is MSI Funds Management Limited ACN 614 077 995 AFSL 491 268.

Notice of reliance on ASIC Class Order [CO 13/655] MSI Funds Management Limited ACN 614 077 995 as responsible entity for the MoneySpot Investment Fund ARSN 616 929 849 has determined that it will rely on ASIC Class Order CO 13/655 in relation to provisions about the withdrawal amounts from the MoneySpot Investment Fund.

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