Access 6-10%¹ p.a. target returns with Private Credit
Enjoy easy access to senior secured private debt with an underlying fund managed by leading private markets specialist Hamilton Lane
Private Credit is available for Accredited Investors. Becoming accredited is a simple process for those who qualify.
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We’re licensed by the Monetary Authority of Singapore (Licence no. CMS100604).
What is Private Credit?
Private credit refers to debt financing provided by non-bank lenders, such as private investment funds, asset managers, or institutional investors. Unlike public bonds, these loans are not traded on public markets.
Market Growth:
- The private credit market has experienced significant growth, reaching approximately $1.7 trillion in assets under management (AUM) as of 2024.²
- BlackRock projections suggest it could expand to $3.5 trillion by 2028.²
StashAway Investment Strategy:
- Our approach focuses on first lien and senior secured private credit, which sits at the top of the capital structure.
- This prioritisation in repayment helps manage risk while aiming to deliver stable and consistent returns.
¹ Private credit asset class target returns and characteristics based on data from Cambridge Associates LLC for unlevered senior debt, as of May 2024.² Source: BlackRock, as of December 2024
Access the StashAway Private Credit edge with ease
Convenient access
- No multi-year lock-ups unlike typical private credit offerings
- Investor-friendly, open-ended structure with monthly liquidity post initial lock-up
Risk-managed to weather volatility
- Multi-manager diversified exposure, through a single investment
- 0% default rate to date
Managed by a leading private markets specialist
- StashAway Private Credit is powered by Hamilton Lane — a global private markets specialist with over 33 years of experience and $940B+ in assets under management.
- Rather than managing a single fund, Hamilton Lane plays a strategic role: selecting and overseeing a diversified portfolio of private credit investments by partnering with multiple leading credit managers. This approach allows clients to gain access to a wide mix of institutional-quality opportunities through a single portfolio.
- With deep expertise and rigorous due diligence, Hamilton Lane helps deliver stable, risk-managed returns typically only available to institutional investors — but now accessible in our app.
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Access Private Credit with StashAway
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How do I know if this portfolio is the right choice for me?
- A way to grow wealth through stable, high-yield opportunities. Private Credit typically targets 6–10% p.a.* in returns, making it ideal for those seeking income and capital growth without the volatility of equities.
- A portfolio designed to perform across market cycles. This strategy focuses on senior-secured loans, which are prioritised for repayment to complement your existing investments with steady returns and resilience in shifting economic environments.
- A simple way to access institutional-grade investing. With a low minimum investment of just $20,000 USD and full in-app access, Private Credit removes the traditional barriers of private market investing.
- Confidence in the managers behind their investments. StashAway’s Private Credit is managed by multiple expert credit managers selected and curated by Hamilton Lane.
Disclaimer: The information provided is for informational purposes only and should not be construed as financial advice. Investment products are not bank deposits, and returns are not guaranteed. Past performance is not indicative of future results.
Frequently Asked Questions
What is private credit?
Private credit refers to loans made by non-bank lenders, such as private equity firms, hedge funds, or direct lending platforms, to businesses seeking financing. These loans are not traded on public markets (like bonds), and the terms are negotiated directly between the lender and the borrower. Private credit usually offers more flexible terms in return for higher interest rates, and can include different types of debt like senior secured loans or mezzanine financing that vary in risk-return profile.
How does private credit compare to other fixed income instruments or bonds?
Unlike traditional bond funds, private credit gives you access to privately negotiated loans that are not traded in public markets. These loans often offer higher yields and risk management due to their collateral and position in the capital structure, such as with senior secured private credit (highest seniority). However, they also typically come with restricted liquidity and lock-up periods compared to public market instruments.- Higher yield potential: because private loans are less liquid and use tailor-made contracts, they often pay a premium.
- Risk management through seniority structure: Private credit includes loans that are provided to companies at varying risk levels and therefore provide varying return profiles as well. This is called a seniority structure. Senior secured private loans sit at the top of the capital structure for priority repayment, offering a layer of protection in the rare event of a default.
- Low correlation to public markets: Private credit typically has a low correlation to public markets, which helps diversify your portfolio and reduces overall volatility. Unlike public bonds, private credit instruments are not traded on exchanges and are therefore not marked-to-market daily — this results in more stable returns that are less affected by short-term market swings.
- Restricted liquidity: Unlike public bond funds, private credit products have traditionally come with multi-year lock-ups ranging from 3-10 years.
What is the StashAway Private Credit portfolio?
Private Credit is a USD-denominated yield-generating portfolio only available to Accredited Investors (AIs).
The strategy utilises a diversified mix of private loans, focusing on senior secured debt—loans that are backed by collateral and sit at the top of the capital structure, and is suitable for clients looking for improved yields through private markets exposure while keeping risk capped.
What is the relationship between Hamilton Lane and StashAway?
StashAway has partnered with Hamilton Lane, a leading private markets specialist, to offer clients access to institutional-grade private credit. Hamilton Lane uses its extensive industry experience to select a diversified mix of expert credit managers, connecting clients to a collection of complementary investment specialists. This structure gives clients multi-manager exposure through a single, accessible investment.
Is the Private Credit yield guaranteed?
No, the target returns are based on the characteristics of senior secured private credit, which tends to offer stable, contractual income streams due to its position at the top of the seniority structure. Actual returns may vary depending on market conditions, and returns are not guaranteed.
How do I start investing in Private Credit?
1. Verify your Accredited Investor (AI) status
Head to your StashAway app or web app to submit your AI verification documents. If you’re already verified, you’re good to go.
2. Access the Private Credit portfolio
Once verified, you’ll be able to view fund-level details and invest directly from the app.
3. Make a deposit
Follow the in-app instructions to subscribe.
New to private credit?
Learn why institutions have relied on it for decades—for stable income, low volatility, and consistent returns across market cycles
