private credit

Is Your Investment Income Really Growing? The Simple Inflation Test I Use for an Income Portfolio

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Watercolour illustration of several Australian investment income sources feeding a growing cash-flow stream while household costs rise in the background.

A bigger dividend cheque does not always mean your income is really growing. Here is a simple way to test whether your portfolio’s cash flow is keeping pace with inflation, and which income sources can help over the long run.

Private Credit Is Entering Its First Real Test: Eight Checks Income Investors Should Make Now

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Watercolour illustration of an Australian investor reviewing private-credit loans, property security, monthly income and liquidity risks with a magnifying glass.

Private credit can provide attractive monthly income, but the distribution rate does not tell the full story. Here are eight checks Australian income investors can use to assess loan quality, valuations, liquidity, fees and portfolio concentration.