Every dollar entrusted to the Bedrock Fund reflects confidence in both our team and our disciplined approach to lending.

Reaching the $100 million milestone is more than a marker of scale – it’s evidence that more family offices, advisers and high-net-worth investors are choosing Ark, having come to know our business, values, and investment philosophy.

Most pleasingly, this growing recognition underscores that private credit is no longer seen as a niche opportunity, but as a secure, income-generating pillar within a well-diversified portfolio.

Consistent Performance Beyond Benchmarks

Since inception, the Bedrock Fund has consistently outperformed its target return of the RBA cash rate +5.0%. With a lifetime return of 11.01% per annum, the fund has demonstrated its ability to deliver attractive, risk-adjusted outcomes. Importantly, this performance has been achieved through disciplined origination and active risk management rather than chasing higher-risk opportunities.

Our approach is simple but powerful: lending against well-secured real assets with strong downside protection. By focusing on high-quality borrowers and maintaining conservative loan-to-value ratios, we build resilience into the portfolio and safeguard investor capital.

Why Scale Matters

Crossing the $100 million threshold isn’t just symbolic – scale brings tangible benefits for our investors. With greater funds under management, the Bedrock Fund can increase risk-lowering diversity, spreading risk across geographies, borrower types, and project stages. Scale also strengthens our ability to negotiate favourable terms, further enhancing potential investor returns.

At the same time, we remain committed to staying selective. Every loan must meet our stringent credit criteria, regardless of fund size. For us, disciplined growth is the priority.

Positioning for the Future

The private credit market in Australia is growing rapidly, with institutional investors and super funds recognising its potential to deliver stable yields in a higher-for-longer interest rate environment.

In this landscape, the Bedrock Fund is well placed to continue delivering dependable outcomes for wholesale investors.

Looking ahead, we see strong opportunities in sectors underpinned by structural demand, such as residential and industrial land, childcare facilities, and select commercial developments. These projects not only offer attractive return profiles but also contribute to addressing Australia’s long-term housing and infrastructure needs.

A Collective Achievement

Reaching $100 million is more than just a marker along our journey – it’s a powerful testament to the confidence our investors place in us, the dedication of our team, and the strong partnerships we’ve built with our borrowers and referrers. It’s proof that the Bedrock Fund has delivered on its promise: security, discipline, and performance.

But this milestone is not the finish line. It’s the stepping stone for what comes next. With $100 million already behind us, we stand on the strongest foundations yet — ready to keep growing, keep delivering, and keep proving why Bedrock is the fund of choice for those seeking strength and consistency in every investment.

The next chapter starts now and it’s one we’re proud to share with you.

Article written by David Charles, Fund Manager

The commentary in this article in no way constitutes a solicitation of business or product adviceIt is expressed solely as the opinion of the author, and as general information for the reader. It is not information to be relied upon in making investment decisions.

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