Question 1

How do I invest in this opportunity?

Accepted Answer

To invest in this wholesale investment opportunity: (1) Verify you meet the wholesale investor criteria (income $250k+, net assets $5M+, or invest $750k+ in one transaction), (2) Click 'Express Interest' to connect with the provider, (3) Complete the provider's application process and submit your wholesale investor certification, (4) Review the Information Memorandum and investment documents thoroughly, (5) Complete due diligence and ask questions, (6) Sign the subscription agreement, and (7) Transfer your investment funds. The provider will guide you through their specific process. Always conduct your own research and consider seeking independent financial advice.

Question 2

What is the minimum investment amount?

Accepted Answer

Minimum investments for wholesale opportunities in New Zealand typically range from $50,000 to $500,000 depending on the fund structure and asset class. Private credit and property funds often have minimums of $50,000-$100,000, while private equity and venture capital funds may require $250,000-$500,000 or more. Some funds offer lower minimums for PIE structures compared to direct investments. The specific minimum for this opportunity is shown in the offer details. Higher minimums generally reflect the sophisticated nature of the investment and administrative costs.

Question 3

Can I redeem my investment early?

Accepted Answer

Liquidity varies significantly by investment type. Private credit and property funds may offer quarterly or annual redemption windows subject to liquidity provisions and notice periods (typically 30-90 days). Private equity and venture capital investments are generally illiquid with 5-10 year terms and no early redemption rights - your capital is locked until fund maturity or a liquidity event. Some funds have secondary markets for unit transfers, but these are not guaranteed. Always check the specific redemption terms in the Information Memorandum, and invest only capital you can afford to lock up for the stated term.

Question 4

How are returns paid - income or capital gains?

Accepted Answer

Returns from wholesale investments can come as regular distributions (income) or capital gains at exit, depending on the investment structure. Property and private credit funds typically pay quarterly or annual distributions from rental income or interest payments, which are taxable as income. Private equity and venture capital investments usually generate returns as capital gains when portfolio companies are sold or go public, typically taxed at your marginal rate or as portfolio investment entity (PIE) income. Hybrid approaches pay some regular income plus capital gains. The distribution frequency and tax treatment are specified in the fund documents.

Question 5

Is this investment eligible for the AIP visa program?

Accepted Answer

The Active Investor Plus (AIP) visa requires investing at least $3M in 'acceptable investments' including growth investments in New Zealand-based businesses. Eligible investments typically include private equity, venture capital, and growth-stage business investments that create jobs and economic value in New Zealand. Many wholesale investments qualify, but not all - generally excluded are property (except affordable housing), government bonds, and passive investments. Check the AIP eligibility status shown in the offer details. If AIP-eligible, the provider can assist with documentation for your visa application. Visit our AIP Visa Guide for full requirements and eligible funds.

Question 6

What is a wholesale investor in New Zealand?

Accepted Answer

A wholesale investor in New Zealand is an individual or entity that meets specific financial thresholds set by the Financial Markets Conduct Act 2013. To qualify, you must either: (1) have net assets exceeding $5 million, (2) earn at least $250,000 per year in the last 2 financial years, (3) invest at least $750,000 in a single transaction, or (4) be a qualifying trust or investment business. Wholesale investors can access investment opportunities not available to retail investors, often with higher minimum investments and different regulatory protections.

Question 7

How do I certify as a wholesale investor?

Accepted Answer

To certify as a wholesale investor in New Zealand, you need to provide evidence that you meet one of the qualifying criteria. This typically involves: (1) Getting your accountant to sign a certificate confirming your income or net assets, (2) Providing recent financial statements or tax returns, (3) Submitting the certification to the investment provider, and (4) Renewing the certification periodically (usually annually). The certification must be dated within the last 12 months and follow the format prescribed by the Financial Markets Conduct Regulations 2014.

Question 8

What are the benefits of being a wholesale investor?

Accepted Answer

Wholesale investors in New Zealand gain access to: (1) Higher-return investment opportunities typically not available to retail investors, including private credit (8-14% p.a.), private equity (15-25% IRR), and venture capital (20-30%+ returns), (2) Lower minimum investments for certain funds compared to direct investments, (3) Professional fund management and diversification, (4) Potential for AIP (Active Investor Plus) visa eligibility when investing $3M-$15M in approved funds, (5) Access to pre-IPO opportunities and direct property syndications, and (6) Ability to participate in sophisticated investment structures like limited partnerships.

Castlerock Partners Fund

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