Fractional investing allows an asset to be divided into smaller portions, enabling multiple investors to collectively own a share of the asset. This approach reduces the amount of capital required from each investor, making high-value investments more accessible by spreading the cost among several participants.

Just like traditional investing, fractional ownership offers shared benefits. Investors can earn passive income through dividends and enjoy capital growth over time, all based on the percentage of the asset they hold.

One of the key advantages of fractional investing is the ability to diversify your portfolio with limited capital. Instead of committing all your funds to a single asset, you can spread your investments across different opportunities, reducing risk while exploring a variety of asset classes like property, business equity, or even development projects.

At Biskit, we make fractional investing simple and secure. Our platform empowers everyday Australians to access high-value opportunities that might otherwise be out of reach, providing a seamless way to grow wealth and invest smarter.

A 'Biskit' is what we call a share of an asset listed on our platform. These assets can include Commercial Real Estate, Development Projects, Businesses, and more. Imagine the asset as a jar full of biscuits—each individual biscuit represents a portion of the asset, giving you a clear picture of how ownership is divided.

Owning a Biskit means you’re entitled to a share of the asset's benefits. This could be monthly income and the potential to grow your capital over time.

The benefits you receive are directly tied to how many Biskits you hold relative to the total available. For example, if an asset is divided into 100 Biskits and you own 10, you’d receive 10% of the income and capital growth generated by that asset.

Biskits make it easy to own a slice of high-value investments and start building wealth in a straightforward, accessible way.

Absolutely! On the Biskit platform, fractional investing works through Unit Trusts that divide an asset into smaller, manageable shares. Each investment has a Trust Deed outlining how the Trust operates, including rules for assigning, transferring, and creating units. The number of units in each Trust varies, but together they represent the entirety of the asset listed on the platform.

When you purchase a Biskit, you’re acquiring a unit within the Trust tied to your chosen asset. These units are allocated to your account and officially recorded in the Trust’s unit registry, confirming your ownership rights.

At Biskit, we’re committed to protecting your investments. Operating under an Australian Financial Services License and regulated by ASIC, we ensure that your assets are managed transparently and securely. Plus, with advanced encryption technology safeguarding your data, your ownership and investments remain secure every step of the way.

On the Biskit platform, investors can profit in two main ways: Income Distribution and Capital Growth.

Income Distribution
When you invest in income-generating assets like commercial real estate or business equity, you’re entitled to a share of the income they produce. This is reflected as an "Estimated Monthly Income per Biskit", giving you an indicator of what to expect monthly.

Let’s take a look at how income from a commercial real estate asset is typically distributed:

Rental Income: The property generates rental income from its tenants, provided it’s tenanted.

Deductions: Routine expenses like maintenance, strata fees, and other outgoings are subtracted from the rental income.

Income Allocation: The remaining net income is divided among all Biskits linked to the asset’s trust. Your share is proportional to the number of Biskits you own for that asset.

Capital Gains
Asset values on the Biskit platform are periodically re-evaluated, automatically updating the quoted value of your Biskits. This means the value of your investment reflects the asset's current worth.

For example, if you originally purchased a Biskit for $200 and the asset's value grew by 7.02% over a year, your Biskit would now be worth $267.55. To capture this growth, you can sell your Biskits directly from your account portfolio. Biskits made for sale are added to a queue and relisted as available making them available to purchase by the Biskit community.

Biskit operates on a straightforward fee structure designed to support the vetting, management, and acquisition of investment assets, as well as maintaining and enhancing the platform for our users.

Our fees are applied in two key areas:

Due Diligence Fee: This fee covers the cost of sourcing, evaluating, and securing high-quality investment opportunities. It ensures our team can handle the asset vetting process and establish the necessary Unit Trusts. Details of this fee are clearly outlined on each investment’s product page.

Transaction Fee: This fee helps cover the costs of processing and transferring funds between you, the platform, and our investments, while also supporting the ongoing operations of the platform.

Investors looking to capture capital gains can sell their Biskits directly through their account on the Biskit platform. Biskits are added to a queue based on the date of sale, re-listed on the Biskit platform, and made available for purchase by the Biskit community.

We understand that addressing liquidity concerns will be top priority, which is why building a solid, active community is a big focus for us. We’re working hard towards a marketplace that can thrive for both buyers and sellers. We’re also putting effort into balanced opportunities, as well as cross-user marketing to promote internal selling on top of our external marketing.

Investing always carries risk, and Fractional Investing is no exception. While Biskit takes rigorous steps to vet and evaluate every Investment Opportunity on our platform, assets are still subject to normal market fluctuations, economic conditions, and unforeseen events that could impact performance, including the potential loss of your entire investment.

To provide a secure and compliant environment, Biskit operates under an Australian Financial Services License and adheres strictly to ASIC regulations. This includes the careful management of Unit Trusts and compliance with Managed Investment Scheme (MIS) obligations where applicable.

We believe in full transparency—when we officially launch, you’ll have access to detailed Disclosure Statements, Target Market Determination documents, and our Financial Services Guide. If you have questions or need more information in the meantime, our team is here to help.

Biskit Rewards Points are a fun and rewarding way to encourage smart investing habits. As you engage with the platform, you’ll earn rewards points for completing actions like verifying your account, making investments, and diversifying your portfolio.

Your points can be spent in our upcoming rewards store, where you’ll have access to exciting perks such as monthly income boosters, prizes, free Biskits, and much more. It’s our way of helping you on your journey to grow wealth with Biskit. Stay tuned—we’re working hard to launch this exciting feature!