Menu
Menu
Login
Menu
We Lend. You Invest.
Menu
Menu
Login
Edit Template

Ongoing Disclosure

This information is Ongoing Disclosure as described in the PDS. We publish here updates to information contained in the PDS which we do not consider to be information materially adverse to investors, but the information should be taken into account when making any investment decision under the PDS.

DateDescription
5 January 2026Updated and Revised Product Disclosure v6
Investors are advised that the Product Disclosure Statement has been updated. A summary of the changes are provided below:

30-Days' Notice Investment Option
MSI Funds Management has added a 30-Days' Notice investment option to the Fund.
This Unit Class has a Minimum Investment Period of 31 Days after which investors can make a Withdrawal Request for redemption by providing 30-Days' Notice. Information about the product is available on the website.

Offers of Redemption
Classes A and B of the Fund have now been assessed as liquid. This means that whilst a Class is liquid, we will not make Offers of Redemption. Instead, investors may make a Withdrawal Request to redeem a principal investment. Redemptions can be made on the 6 and 12-month anniversary of allotment for Classes A and B respectively.
5 January 2026The Constitution of the Moneyspot Investment Fund has been updated.

The changes to the Constitution are not considered adverse to Members' interests and consequently gaining Members' consent has not been necessary.

None of the changes adjust or expand the Trustee’s existing discretionary powers or diminish the existing rights of members.

The majority of amendments are minor. They update the Constitution to reflect existing operational practices, remove duplication, and improve the overall clarity of the document.


There are two key changes to the Constitution. First, to update the definition of Investment Period to include the new 30-Days Notice investment option and reflect the current Classes B and C. Second, to update and define the liquidity test for each Class of Units on issue. Previously, the Constitution contained a single test for liquidity across all Units. The revised definition aligns the test to each respective Unit Class. Consequently, it is now more likely that a Unit Class is liquid which means that at the end of the Investment Period, members will be able to submit a Withdrawal Request, rather than relying on an Offer of Redemption from the Trustee.

The Trustee's existing discretionary powers to refuse, delay or scale-back redemptions while the Fund or a Class of Units is liquid remains unchanged.
7 November 2025Class C Suspension
MSI Funds Management as the Responsible Entity of the Moneyspot Investment Fund announces the suspension of applications for Class C (Wholesale) of the scheme until further notice.

Since its launch in May 2022, the Class has received strong inflows and interest from Wholesale investors and has underpinned the growth of the Consumer Loan book of Moneyspot Finance over the past few years.

Wholesale investors wishing to register their interest in future developments of our wholesale investment products can email the Responsible Entity at [email protected]
23 October 2025Fee Reduction
Commencing 1 October 2025, the Management Fee is to be reduced from the current 1.4% of Funds under Management (GST inclusive) to 1.1% of Funds under Management.
26 September 2025MSI Funds Management provides the members of the Moneyspot Investment Fund with the Annual Financial Report of the Fund for the period ending 30 June 2025.
28 January 2025Updated and Revised Product Disclosure v5
Investors are advised that the Product Disclosure Statement has been updated as summarised below:

- Removal of Class C from the PDS as the Class is only available to Wholesale Investors
- Updating Auditor information as notified 10 July 2024
- Updates to historical performance of Classes A and B
- Updating estimated ongoing Fees
- Updating relevant disclosures regarding investment activities of the Fund.
10 July 2024Compliance Plan Auditor
On 9 July, 2024 MSI Funds Management (the Responsible Entity) received notice from ASIC of their conditional consent to the resignation of Forvis Mazars Assurance Pty Ltd (#338599) as auditor of the MoneySpot Investment Fund Compliance Plan.

Members of the Fund are advised that there are no matters of disagreement between Forvis Mazars Assurance Pty Ltd and the Responsible Entity and there are no circumstances or matters connected with the auditor ceasing to hold office which should be brought to ASIC’s attention.

MSI Funds Management is a member of the MoneySpot Finance Pty Ltd group and LNP Audit and Assurance is the auditor of the group. Forvis Mazars Assurance Pty Ltd has acted as Auditor of the Fund, the Fund's Compliance Plan and the Responsible Entity since 2018. Having regard to these factors the Directors believe a rotation of Auditor to be appropriate.

Having received the consent to act as the new Compliance Plan Auditor of the Fund, the Responsible Entity intends to appoint LNP Audit and Assurance Pty Ltd (#420246).

The first engagement of LNP Audit and Assurance Pty Ltd under this appointment will be for the audit of the Fund's Compliance Plan for the period ending 30 June 2024.
28 June 2024Class C Annual Targeted Rate of Return
Subscriptions for Class C units received after close of business on 28 June 2024 will be entitled to receive the revised Annual Targeted Return of 17.8%.

A Revised Information Memorandum will be issued in due course.
2 April 2024Change of Scheme Auditor
On 2 April, 2024 MSI Funds Management (the Responsible Entity) received notice from ASIC of their conditional consent to the resignation of Mazars Assurance Pty Ltd (#338599) as auditor of the MoneySpot Investment Fund.

Members of the Fund are advised that there are no matters of disagreement between Mazars Assurance Pty Ltd and the Responsible Entity and there are no circumstances or matters connected with the auditor ceasing to hold office which should be brought to ASIC’s attention.

Having received their consent to act as the new Auditor of the Fund, the Responsible Entity intends to appoint LNP Audit and Assurance Pty Ltd (#420246).

MSI Funds Management is a member of the MoneySpot Finance Pty Ltd group and LNP Audit and Assurance is the auditor of the group.

Mazars Assurance Pty Ltd has acted as Auditor of the Fund and the Responsible Entity since 2018.Having regard to these factors the Directors believe a rotation of Auditor to be appropriate.

The first engagement of LNP Audit and Assurance Pty Ltd will be the financial report of the Fund for the period to 31 December 2023.
29 September 2022Updated and Revised Product Disclosure v4
This PDS has been updated to reflect the following:

- Replacing Supplementary PDS for Class B;
- Incorporating information relating to Class C;
- Updating all disclosures regarding investment activities of the Fund;
- Reflecting recent changes to ASIC guidelines.
31 May 2021Product Disclosure v3 issued
Revisions to the Product Disclosure Statement to update Management Fee to be charged by the Responsible Entity and the estimated Expenses of the Fund.

The Management Fee is to be increased from the current 1.075% of Funds under Management (GST inclusive) to 1.4% of Funds under Management.

The estimate of Administration costs are to remain at 0.8% p.a and the Costs & Fees section has been updated to aid disclosure on the classification of fees.

Members have been advised of the change in Management Fees with 30 days’ notice.
27 April 2021Class B Supplemental PDS Issued.
The objective of B Class Units is to provide regular distributions to Investors at a target net return rate of 14.8% per annum (pre-tax, net of fund management fees and ordinary expenses).

The Minimum Investment for B Class Units is $250,000 and the Minimum Investment Term is 12 months.
3 April 2020COVID-19 and March 20 Fund Performance Update
The March annualised return is 12.83% p.a.

Going forward the target return remains unchanged at 12.8% per annum. We do not anticipate any revisions to this. Monthly distributions will be remitted within the next fortnight.

Loan numbers and funds lent were down 9% from the previous month, to January levels.
As employment conditions have changed, we have tightened our credit criteria, reduced our exposure to specific sectors (principally retail, hospitality and tourism) and focussed on repeat customers that have a credit history with us. This approach is somewhat routine, given we take the same precautions over Christmas in relation to the building and logistics industries, when many businesses close for holidays.

There has been no material change in the average level of bad debt, at 5.77%
Our daily repayment clearance rates, the key measure by which we monitor the quality of collections, showed a slight improvement over last month, and the month before. Customers continue to repay in the same way as they have always done.

To date the impact of COVID-19 across the business has been minimal.
Recent government stimulus has been effective in reducing market volatility and improving overall sentiment. Our business continues to function largely as normal, with most staff attending the office and some working from home. We continue to be vigilant, and monitor events closely.
27 February 2020Updated PDS issued 27th February 2020
A review of the PDS was undertaken to ensure:

(a) The PDS was in compliance with the relevant disclosure provisions and regulations of the Corporations Act;

(b) The PDS was in compliance with the relevant regulatory guides, class orders, legislative instruments and reports issued by the Australian Securities and Investments Commission (ASIC); and

(c) The PDS was consistent with the Constitution.

Additionally, MoneySpot Finance Pty Ltd, a related entity of the RE, has decided to expand its operations to the US, UK and New Zealand. This PDS now contains information about the strategy of MoneySpot Finance, its products, and the inherent risks and benefits of its strategy.

The Fund may also now choose to invest in other Credit Providers, providing those credit providers can achieve the appropriate risk and return profile.

MoneySpot Finance secured debt amount update to $1,000,000.

The RE has changed its name from MoneySpot Investments Limited to MSI Funds Management Limited.
28 June 2019Updated Information
MoneySpot Investments Limited (ACN 614 077 995, AFSL 491268) (RE, us, we and our) is the responsible entity of the MoneySpot Investments Fund (ARSN 616 929 849) (Fund). The Product Disclosure Statement for the Fund dated 29 October 2018 (PDS) contains important information concerning the Fund. You should consider the information contained in the PDS before making any decision about the Fund and obtain financial advice tailored to your personal circumstances.

This information is Updated Information for the purpose of section 7.9 of the PDS. The RE does not consider the information to be materially adverse to investors, but the information should be taken into account when making any investment decision under the PDS.

Sections 3.2 and 7.6 of the PDS describe the general security arrangements in respect of the notes issued by MoneySpot Finance. Relevantly, under the general security deed, MoneySpot Finance has granted a security interest over all its present and after acquired property to the Custodian (on behalf of the Fund). If an event of default occurs under the noteholders deed, such as a failure of MoneySpot Finance to pay interest it is obliged to pay to noteholders, then the Custodian may take certain actions to enforce the debt, including the appointment of receivers to MoneySpot Finance.

From 28 June 2019, the security arrangements were slightly altered such that under the general security deed, MoneySpot Finance has granted a security interest over all its present and after acquired property other than land to the Custodian (on behalf of the Fund). The purpose of the change is to allow MoneySpot Finance to acquire its existing commercial office building located in Surry Hills for the purposes of facilitating further growth in its business. As at the date of this Updated Information, the property represents around 25% of MoneySpot Finance’s total assets and is subject to a registered first mortgage in favour of BNY Trust Company of Australia. In all other respects, the security arrangements remain the same.
14 June 2018Update to reflect the change of company name from SpeedyMoney Pty Ltd to MoneySpot Finance Pty Ltd
MoneySpot Finance secured debt amount updated

Target Return rate updated from 10% p.a. to 12.8% p.a. (pre-tax, post fees)

MSI Funds Management Limited
ACN 614 077 995
AFSL 491 268

Quick Links
Menu
Important Information
Menu

An investment in the Fund is an investment in a registered managed investment scheme. Your investment is not a deposit and does not benefit from the Financial Claims Scheme or depositor protection provisions of Division 2 of Part II of the Banking Act, as it might if it were an amount deposited with an Authorised Deposit-taking Institution. Investments in the Fund are subject to investment risk, including the loss of, or delays in the payment of, income or capital.

^ The Annual Targeted Return is not a forecast. There is no guarantee that these returns will be met and the Responsible Entity may no be successful in achieving the Targeted Returns or any return on the Fund’s Investments. Refer to the FAQs

*All investment returns are unaudited and assume reinvestment of distributions over the period (i.e., net of fees and costs). Returns published reflect the investment strategy at the date of publication. Past performance is no indication of future performance. Returns quoted for periods of greater than 1 year are annualised unless stated otherwise and assume reinvestment of distributions.

The information on this website is general advice only. It has been prepared without taking into account any consumer’s objectives, financial situation or needs and because of that investors should consider the appropriateness of the advice having regard to their personal objectives, financial situation and needs. Investors should obtain the product disclosure statement (PDS) for the Moneyspot Investment Fund ARSN 616 929 849 (Fund) and consider the PDS before making any decision to acquire, dispose 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: 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.

© Copyright 2017 MSI Funds Management Limited ACN 614077995 Australian Financial Services Licence 491268 Level 1, 7-11 Little Buckingham Street, Surry Hills NSW 2010.