Making money is one skill. Keeping it is another.

Written By Jason Guo

History is full of fortunes made — and lost. The Vanderbilts, once the wealthiest family in America, had little to show within two generations. More recently, Australia's Nathan Tinkler went from billionaire coal baron to bankrupt in a matter of years. The pattern is consistent: wealth built through concentration and leverage rarely survives without a strategy to protect it.

Concentration can be the friend of those who want to get rich. It's the enemy of those who wish to stay rich.

Preserving wealth requires a different approach — one built on diversification, reliable income, and disciplined risk management. That's where fixed income plays a role, and why an investment like the Mountain Monthly Income Fund deserves a place in the conversation.

 

Fund spotlight

The Mountain Monthly Income Fund is a wholesale managed investment designed to do two things well: generate consistent monthly income and preserve the capital that produces it. Managed by Mountain Asset Management, it targets a net return of RBA Cash Rate + 4% p.a.

 

How the Fund generates income

Rather than concentrating in a single asset class, the Fund spreads across four complementary income sources — each chosen for its ability to generate returns while managing risk.

  • Bonds & fixed income

Corporate and government bonds providing stable, predictable returns.

  • Cash & money market

At-call and term deposits maintaining liquidity and immediate income.

  • Secured loans

First registered mortgage-backed loans targeting attractive risk-adjusted yield.

  • Securitised debt

Residential, commercial, and asset-backed securities analysed for income potential.

 

Fund features at a glance

Eligibility - Wholesale investors only

Recommended timeframe - 2–5 years

Minimum investment term - 12 months

Asset allocation - 50% bonds & cash / 50% securitised debt

 

What to consider

All investments carry risk. Returns and capital are not guaranteed, and distributions may vary. Investors should ensure the Fund aligns with their objectives and seek independent professional advice before investing. For a full risk disclosure, refer to the Information Memorandum.

To learn more about the Mountain Monthly Income Fund or request the Information Memorandum, visit www.mountainam.com.au or contact our team today.

Source: Morningstar | Getting rich versus staying rich
Jason Guo
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