We offer diversified capital investment opportunities for both local and offshore investors, designed to preserve and grow wealth with stable long-term returns.
- Our Investment Advantages
Operating under a legally recognized financial license, ensuring transparency and investor protection.
Led by licensed financial professionals with extensive experience across property, infrastructure, and diversified asset portfolios.
With a background in real estate, our founding team provides a unique advantage in identifying high-quality investment opportunities that are rooted in tangible assets.
- Our Investment Products
Cornerstone Income Fund
Investment Terms
Investing in the Cornerstone Income Fund offers flexibility, with no fixed investment term, meaning your funds are generally accessible when needed. However, please note that withdrawal fees may apply during the first two years. You can start your investment journey with as little as $500.
Investment Objective
The primary objective of the Cornerstone Income Fund is to deliver attractive income returns that outperform standard bank deposit rates. Distributions are paid quarterly, at the end of March, June, September, and December. You can choose to either have returns deposited into your bank account or reinvest them to compound your earnings.
Target Returns
While returns cannot be guaranteed, the Fund targets an annualised pre-tax return (after fees and expenses) that is at least 1% higher than the average 12-month term deposit rate offered by New Zealand's four major banks. We aim to remain competitive with similar fixed-income investments.
Risk Indicator
The Cornerstone Income Fund adopts a conservative investment strategy, secured by first mortgages on New Zealand property---land and buildings---with prudent loan-to-value ratios. The fund currently holds a risk indicator of 1, which reflects low volatility but does not imply it is risk-free.
Fees
The annual management fee is estimated at 1.65% of the fund's value, inclusive of GST (if applicable). Withdrawal fees apply as follows: 2% of the amount withdrawn in the first year, 1% in the second year, No withdrawal fee applies after two years. There are no upfront fees when investing in the Cornerstone Income Fund.
- Our Investment Products
Cornerstone Wholesale Fund
The Cornerstone Wholesale Fund offers indirect exposure to property loans, secured by first-ranking mortgages, by investing directly in the Cornerstone Group Investment Fund (CGIF), a retail managed investment scheme.
Wholesale Terms
This investment is available exclusively to wholesale investors, with a minimum investment of $500,000 for a minimum term of two years. The Cornerstone Wholesale Fund is managed by Cornerstone, a licensed manager under the Financial Markets Conduct Act.
Investment Objective
The Cornerstone Wholesale Fund invests in units in CGIF and cash. The investment objective of CGIF is to deliver returns to investors that outperform bank deposit rates. While this cannot be guaranteed, Cornerstone aims to provide investors with an annualized pre-tax return of at least 1% higher than the average 12-month term deposit rates offered by New Zealand's four major trading banks, and to remain competitive with comparable investment options.
Target Returns
For investments of $500,000 or more with a term of at least two years, CML will provide wholesale investors with a bonus return by issuing additional units in the Cornerstone Wholesale Fund (funded from CML's own resources), in addition to the quarterly income distributions. Net income distributions are paid out quarterly at the end of March, June, September, and December, or reinvested into the fund.
Risk & Compliance
Capital Security
Risk is carefully evaluated and managed, with a focus on asset-backed investments and real-time oversight.
Multi-Channel Access
Our networks span commercial and residential property, private lending, and SME equity partnerships across New Zealand.
How It Works
Initial Consultation
Book a free consultation with our investment team. We’ll understand your goals, risk appetite, and timeline.
Choose Investment Products
We offer a curated range of real asset-backed investments, including real estate development funding and SME credit portfolios.
Due Diligence & Documentation
You’ll receive a full set of documents including investment memos, risk statements, and contractual agreements.
Fund Transfer
Capital is transferred into a secure trust account regulated under FMA guidelines.
Regular Updates
You will receive periodic performance reports, project updates, and statements.
Return of Capital + Earnings
At maturity or per terms, you’ll receive your capital plus agreed earnings.
Frequently Asked Questions
Who can invest with you?
We work with both local and international investors. For offshore investors, we provide a detailed onboarding process to ensure regulatory compliance and client suitability.
What kind of returns can I expect?
Return expectations vary by product, risk level, and investment term. We offer both fixed-income options and growth-based strategies. Our primary goal is to protect capital while delivering stable, long-term performance.
How do you ensure the safety of invested capital?
We focus on asset-backed investments, primarily in real estate and secured business lending. Every project or borrower goes through a rigorous assessment and risk review process. Capital preservation is at the core of our investment philosophy.
Is there a minimum investment amount?
Yes. Minimum investment thresholds depend on the product or portfolio selected. Contact us for more details on current offerings.
We are here to address any questions you may have as you implement your plan. Additionally, for clients seeking an ongoing partnership, we provide comprehensive Wealth Management Services.
