The process of fractional investing allows investors to own shares of a larger, high-value asset for a lowered cost. This is made possible by dividing the asset into smaller pieces through a legalised Unit Trust.

Fractional ownership breaks down the barriers to accessible investing – for Biskit users, it provides a means for investors to reap benefits from real estate, business equity and development projects.

When we divide an asset into smaller shares, we call these pieces ‘Biskits’. Each Biskit represents a single unit in the asset’s associated Trust. We like to think of the whole asset as a Jar of Biscuits – each biscuit within represents a fraction of the asset as a whole.

By purchasing Biskits, investors gain a legal stake in the asset and enjoy ownership benefits proportional to their share in the opportunity. This could mean generating dividends from rental income or share of monthly revenue, or opportunities for capital gain, as the value of Biskits are adjusted in-line with annual evaluations, with any change in price adjusted automatically across an asset’s Biskits.

Structuring our assets through unit trusts ensures that Biskit ownership is safe, fair and transparent for all investors involved.

Each investment opportunity in Biskit is structured as a separate trust. These trusts are a legal document that details the rules and assignment of units, (or Biskits), for a particular opportunity. This ensures that our user’s best interest always remains at heart.

The entire process is outlined through the use of a Trust Deed. This is provided by Biskit to set out the rules, terms, and conditions of purchasing a Biskit. This includes details on the powers and responsibilities of both Biskit and the investor, and your entitlements to receive income and create opportunities for capital growth through our assets.

The total number of units in a trust represent 100% of an opportunity listed on the Biskit Platform. Trust Deeds ensure that the asset’s value is divided proportionally, based on how many Biskits you have purchased.

Ok so we’ve established that purchasing a Biskit means you are buying a single unit in a corresponding trust. But how does this actually work?

Your purchase is registered in Biskit’s unit registry under a verified identity, which will ensure you are the legal owner of that Unit. This guarantees that you will receive the opportunity’s benefits in proportion to how many Biskit’s you’ve purchased.

In cases of selling your Biskits, the verified identity of the new owner of your Units will replace your name in the Trust registry. In this way, Biskit keeps a complete record of all transactions along with previous and current owners.

Every investment purchased through Biskit is securely registered in our system, with verified records that identify each owner and safeguard their unit.

Our trust structure, established for each asset, ensures that all Biskit investments are legally protected. This framework clearly defines and upholds our users' ownership rights.

There are plenty of advantages that come with investing with Biskit. Our fractional investing model provides affordable entry points for high-value assets, creating an accessible yet meaningful investing experience, geared towards everyday Australians who want a simple and effective way to grow wealth effectively with the capital that’s available to them.

Another key benefit of Fractional Ownership is that it allows you to spread your investment across multiple assets instead of concentrating on just one. With a lower entry cost, you can diversify your portfolio by investing in a range of opportunities—whether it’s commercial real estate, business equity, or development projects.

This flexibility helps you build a balanced portfolio and reduces the risk of relying on a single asset for returns. In short, Biskit lets you take a ‘don’t put all your eggs in one basket’ approach, making diversification achievable even with limited capital.

Here at Biskit our goal is to remove the barrier to entry to high-value assets by providing a simple way for potential investors to grow a diverse portfolio of income generating assets with limited capital.

Learn more here.