摘要：SILC 现金优化是一个未上市、开放式、未注册的管理型投资计划。本基金根据受澳大利亚法律管辖的《信托契约》设立，是一种投资于现金资产的产品，相对来说，其风险等级较低，但回报较好，特别是与目前的中国同类投资相比。
SILC现金优化资本基金
SILC 现金优化是一个未上市、开放式、未注册的管理型投资计划。本基金根据受澳大利亚法律管辖的《信托契约》设立，是一种投资于现金资产的产品，相对来说，其风险等级较低，但回报较好，特别是与目前的中国同类投资相比。
SILC 现金优化基金由专业投资和贷款有限公司（SILC）作为受托人管理，SILC投资组合解决方案有限公司作为投资经理管理。本基金更适合不熟悉澳洲市场的投资者，作为提供每月入场和赎回机会的开放式产品，灵活性更高。
本基金旨在通过投资于多样化的现金池、定期存款、债务工具以及其他流动现金产品，为投资者提供目标回报。目标回报率（税前，扣除费用）为澳大利亚央行现金利率+ 1%（目前年净回报率为5%）。每半年分配一次，除非投资者提供其他指示，否则派息将自动再投资。赎回按月处理，若在每个日历月的10号之前收到请求，则予以受理。
机会概览
受托人和托管人：专业投资和贷款有限公司ACN 149 520 918, AFSL编号407100。
投资经理：SILC投资组合解决方案有限公司ACN 616 916 593。
管理人：SILC基金管理有限公司ACN 628 993 386。
目标回报率：澳大利亚央行现金利率+ 1%（扣除费用和成本、税前）。
最低投资期限：6个月。
分配频率：每半年分配一次。除非投资者另有指示，否则分配将自动再投资。受托人可自行决定是否更频繁地进行分配。
可接受的最低投资额：250,000澳元，受托人可自行决定是否接受少于25万澳元的申请。
赎回：赎回请求将每月受理并处理。通常情况下，如果赎回请求在每月的10号之前收到，并且在月末之前被受理，则该赎回请求将在下一个月的8个工作日内处理。请注意，受托人有绝对裁量权拒绝基金的任何赎回请求。
本基金优势
灵活的流动性，每月处理赎回申请（次月8个工作日内完成），与定期存款的固定期限相比，提供了更大的灵活性。投资者可随时调整现金头寸，满足短期流动性需求。
有竞争力的目标回报率，目标回报率为澳大利亚央行现金利率+1%（当前净年化回报率5%），高于普通现金类产品。
低准入门槛，最低初始投资为25万澳元，受托人有权接受较低金额，从而降低准入门槛。本基金使投资者能够高效地管理其现金头寸，同时为对在澳大利亚投资感兴趣的人提供了一个较低的准入门槛。
多元化资产配置，本基金投资于广泛的高安全性资产，涵盖现金、ADI定期存款、政府债券和投资级公司债券，从而分散风险。我们将坚持严格的信用评级标准，各类资产均设最低信用评级，保障底层资产质量。
信息披露充分，本基金风险透明化，我们将明确列示信用风险、利率风险等关键风险，以及缓解措施。为投资者提供季度业绩报告与年度财务披露，增强投资者信心。
如投资者拟获取更多信息，请联络
郭倩雯 | 团队负责人
上海如闻律师事务所
上海市淮海中路8号兰生大厦13层
邮编：200021
手机：13916413804
邮箱：daisy.guo@wlawyers.com.cn
感谢The SILC Group资本处置副总监Jeff Feng提供上述项目信息。
About SILC Cash Optimiser Capital Fund (“the Fund”)
●The SILC Cash Optimiser is an unlisted, open-ended, unregistered managed investment scheme. The Fund was established by a Trust Deed, which is governed by Australian law. The Fund is a product that invests in cash assets, which has a relatively low risk level but offers attractive returns, especially compared to similar investments in China.
●The SILC Cash Optimiser Fund is managed by Specialised Investment and Lending Corporation Ltd (SILC) as the trustee and SILC Portfolio Solutions Pty Ltd as the investment manager. The Fund is more accessible to investors who are unfamiliar with the Australian market, and as an open-ended product that offers monthly entry and redemption opportunities, it has a higher degree of flexibility.
●The objective of the Fund is to provide investors with Target Return by investing in a diversified pool of cash, term deposits, debt instruments and other liquid cash products. Target Return (net of fees, before tax) is RBA cash rate + 1% (currently net return is 5% pa). Distributions are made semi-annually, with automatic reinvestment of distributions unless the investor provides alternative instructions. Withdrawals are processed monthly, with requests accepted if received by the 10th day of the calendar month.
Opportunity Overview
Trustee and Custodian:Specialised Investment and Lending Corporation Ltd ACN 149 520 918, AFSL number 407100Investment Manager:SILC Portfolio Solutions Pty Ltd ACN 616 916 593Administrator:SILC FundsAdministration Pty Ltd ACN 628 993 386Target Return:RBA Cash Rate+1.00% p.a. net of fees and costs, before tax.Minimum Investment Terms:6 months.Distribution frequency:Semi-annually.Unless otherwise instructed by the Investor, distributions will be reinvested automatically.The Trustee may make distributions more frequently in its sole discretion.Minimum initial Investment Acceptable:A$250,000. The Trustee may accept applications of less than A$250,000 at its absolute discretion.Withdrawals:Withdrawal Requests will be accepted and processed monthly. Generally, if a Withdrawal Request is received by the 10th of every month and accepted by the last day of the month, the Withdrawal Request will be processed within 8 Business Days of the following month. Please note that the Trustee has absolute discretion to refuse any Withdrawal Requests from the Fund.The Fund’s Benefits
●Flexible Liquidity,withdrawal requests are processed monthly (completed within 8 business days of the following month), offering more flexibility compared to fixed-term deposits. Investors can adjust their cash positions at any time to meet short-term liquidity needs.
●Competitive Target Return,the target return is the RBA Cash Rate + 1% (current net annualized return is 5%), which is higher than typical cash products.
●Low Entry Threshold,we start from A$250,000, with the Trustee having discretion to accept a lower amount, reducing the entry barrier. The Fund enables investors to manage their cash positions efficiently while also offering a lower entry threshold for those interested in investing in Australia.
●Diversified Asset Allocation,the Fund invests across a broad range of high-security assets, including cash, ADI term deposits, government bonds, and investment-grade corporate bonds, thereby diversifying risk. We adhere to strict credit rating standards, with each asset class subject to a minimum credit rating, ensuring the quality of underlying assets.
●Adequate Information Disclosure,the Fund ensures transparency in risk, clearly outlining key risks such as credit risk and interest rate risk, along with mitigation measures. We provide investors with quarterly performance reports and annual financial disclosures to enhance investor confidence.
If any Investors who wish to obtain more information, please contact
Daisy GUO | Team Leader
Shanghai Rewin Law Firm
13th Floor, Lansheng Building, No.8 Middle Huaihai Road
Shanghai, P. R. China 200021
E-mail：daisy.guo@wlawyers.com.cn
Thanks to Jeff Feng, Associate Directo of Capital Resolution at The SILC Group, for providing the above project information
作者 投资项目组
责编 高萍
上海如闻律师事务所
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来源：如是我闻Rewin
