Instreet

What Instreet does

Instreet Investment Australia Limited is a Sydney-based boutique issuer of structured investment products, founded in 2007. The firm designs, issues and distributes yield-, participation- and capital-protected notes to Australian wholesale investors, HNW retail clients and SMSF trustees, accessed exclusively through licensed wealth advisers and dealer groups. Instreet operates as a Corporate Authorised Representative of 62 Consulting Pty Ltd, the holder of the relevant Australian Financial Services Licence.

The core product architecture is built around the proprietary Dynamic Portfolio Approach (DPA), which underpins the flagship Masti range and is covered by ATO Product Ruling 1/2015, providing binding tax certainty on investor returns. Around this core, Instreet offers a modular suite — Yield series (fixed-income-style tranches with target returns), Link (capital-protected participation notes), Gold (commodity-linked structures) and an OTC bespoke service for tailored wholesale mandates. Underlyings span Australian and global equity indices (S&P 500, Euro Stoxx 50, Nikkei 225, FTSE 100, DAX, Hang Seng), commodities and bespoke baskets, giving advisers a broad menu for client portfolio construction.

Revenue is generated through structuring fees, bid-offer spreads and ongoing issuer margins embedded in product finance costs (for example, indicative rates of around 6.55% p.a. on certain five-year notes). The firm has structured cumulative notional AUM in excess of A$1.5 billion since inception and operates with a small team of 1–10 employees, anchored by founder and Managing Director George Lucas and a leadership group with senior structuring experience at institutions including RBS, Westpac and ABN AMRO. The go-to-market is adviser-led and education-intensive, with no direct retail distribution and no disclosed use of AI/ML capabilities.

Name

Instreet

Legal name

Instreet Investment Australia Limited

Website

https://instreet.com.au

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Instreet is a Sydney-based boutique issuer of structured investment products, founded in 2007, that designs yield, participation and capital-protected notes for Australian HNW, SMSF and wholesale clients distributed via wealth advisers.

Ownership category

akta.pro rank

Product category

Structured Investment Products

NAICS

Investment Banking and Securities Intermediation (52315), Investment Banking and Securities Intermediation (523150), Securities and Commodity Contracts Intermediation and Brokerage (5231), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Asset-Backed Securities (6189), Security Brokers, Dealers & Flotation Companies (6211), Commodity Contracts Brokers & Dealers (6221)

akta.pro primary industry

Structured Certificates & Warrants (Turbo/Knock-Out/Bonus/Discount) (FSACAMAL)

akta.pro secondary industries

Structured Products & Derivatives for Wealth Clients (Notes, Options, Hedging) (FSAAABAJ), Retail Investment Products (RIPs) & Packaged Products (PRIIPs/KIDs) (FSACAMAN), Exotic Derivatives & Structured Options (FSACADAH)

Keywords

• Structured investment products
• Deferred purchase agreements
• Yield and income notes
• Over-the-counter derivatives
• Wealth advisory solutions

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Product Fees and Charges: Full details of up-to-date fees and charges are available from Instreet. The company charges finance costs on structured products (e.g., 6.55% per annum for S&P500 products).
2. Product Arrangement and Issuance: Instreet arranges structured product issuances through Instreet Structured Investment Pty Ltd. The issue is arranged by Instreet and offered through Product Disclosure Statements.
3. Annual Finance Costs: Products such as Instreet Masti charge annual finance costs (e.g., 6.55% per annum fixed for term for S&P500 DPA). Finance cost payments may be tax deductible for investors.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Instreet issues and distributes structured investment products built on Deferred Purchase Agreements (DPAs) and derivatives (call/put options, reverse convertibles), including the Masti index-linked DPAs, Link tracker products, Yield income notes, gold and commodity-linked investments, and bespoke OTC solutions. Products are distributed primarily through Australian licensed financial advisers to retail and high net worth wholesale investors, with predefined downside outcomes, variable participation rates, and ATO-confirmed tax-effective structures.

Product overview

Instreet is a structured investment solutions provider offering a comprehensive suite of investment products designed to provide predefined downside outcomes with attractive return potential. The product portfolio centers on two main platforms: Instreet Masti and Instreet Link, both structured as Deferred Purchase Agreements (DPAs). Instreet Masti products provide exposure to global and Australian equity indices (S&P 500, Euro Stoxx 50, S&P/ASX 200) as well as thematic baskets including Technology, Cybersecurity, Biotechnology, Infrastructure, Healthcare, and Indian markets, typically over 3-year terms with potential annual coupons. Instreet Link products offer leveraged exposure to indices and commodities (S&P/ASX 200, S&P 500, Nikkei 225, United States Oil Fund) at a fraction of notional exposure with known risk outcomes. The Instreet Yield suite provides income-focused solutions including regular coupon payments and conditional income products tied to equity basket performance (Snowball, Twin Opportunity, Enhanced Coupon variants). Additional offerings include gold exposure products, income instalment warrants, OTC custom solutions, and fully bespoke product structuring for sophisticated investors across asset classes including equities, commodities, FX, fixed income, and property.

Differentiator

Problem solved

Functional benefit

Brands

• Instreet Masti: Structured investment products providing leveraged exposure to equity indices with defined downside outcomes and potential for uncapped gains with annual coupons.
• Instreet Masti Test
• Instreet Yield
• Instreet Yield Snowball
• Instreet Yield Twin Opportunity
• Instreet Yield Enhanced Coupon
• Instreet Gold Plus Yield
• Instreet Link Market Tracker
• Instreet United States Oil Fund LP
• Instreet Select Indices Basket

Products and services

• Instreet Masti S&P500 DPA A 3-year structured investment providing uncapped exposure to the S&P 500 index with potential annual coupons at 4% p.a., offering leveraged equity market participation with defined downside outcomes for retail and wholesale investors.
• Instreet Masti Euro Stoxx 50 A structured product providing exposure to the Euro Stoxx 50 index with potential annual coupons and uncapped gains over a 3-year period for investors seeking pan-European equity exposure with defined downside.
• Instreet Masti Select Indices Basket A 3-year investment in a basket of Technology, Consumer Discretionary and Indian stocks providing geared exposure to US share markets, with a walk-away feature, potential annual coupons of 4% p.a., and tax-effective structuring under ATO Product Ruling 1/2015.
• Instreet Masti S&P/ASX 200 Structured product providing exposure to the Australian share market as measured by the S&P/ASX 200 Price Return Index, with defined downside outcomes for advised retail and wholesale investors.
• Instreet Masti Australian COVID Recovery Basket Structured product providing exposure to Australian equities focused on COVID recovery themes with defined downside outcomes.
• Instreet Masti Infrastructure Basket Structured product providing exposure to Australian infrastructure companies with defined downside outcomes for advisers' clients.
• Instreet Masti Healthcare Basket Structured product providing exposure to Australian healthcare companies with defined downside outcomes for advisers' clients.
• Instreet Masti Mixed Industrials Basket Structured product providing exposure to a mixed basket of Australian industrial companies with defined downside outcomes.
• Masti Global Funds Basket Structured product providing exposure to a basket of global funds with defined downside outcomes under Instreet's Alternative Markets suite.
• Masti Dispersion Basket Structured product providing exposure to a dispersion trading strategy across multiple assets under Instreet's Alternative Markets suite.
• Masti Gold ETF Structured product providing exposure to gold through ETF investments under Instreet's Alternative Markets suite.
• Masti Green European and US Indices Structured product providing exposure to European and US green/sustainable indices under Instreet's Alternative Markets suite.
• Instreet Link United States Oil Fund LP Investment linked to United States Oil Fund LP providing exposure to oil price movements with defined risk outcomes and an SMSF-friendly structure.
• Instreet Link Market Tracker Series-linked investments (Series 75 linked to S&P/ASX 200 and Series 76 linked to S&P 500) providing leveraged index participation at a fraction of notional exposure with known downside risk.
• Instreet Yield 2-year income-focused structured product paying fixed quarterly coupons of 10% p.a., linked to a basket of resource stocks (BHP, RIO, FMG, STO), returning initial investment if worst-performing component share does not fall more than 40%.
• Instreet Yield Snowball 2-year conditional income product paying 20% p.a. if a mixed basket of 4 Australian and US shares (AMD, APT, CSL, PYPL) exceeds starting price on quarterly Auto-Call Dates, with 60% kick-in barrier.
• Instreet Yield Twin Opportunity 2-year conditional income product paying 24% p.a. if basket (AMZN, PFE, TSLA, WBC) exceeds starting price on quarterly Auto-Call Dates, with absolute return of lowest performer if no Kick-In Event occurs (kick-in at 50%).
• Instreet Yield Enhanced Coupon 3-year conditional income product paying 10% p.a. upon Auto-Call Event, with potential 30% return or Reference Index performance at maturity, linked to S&P/ASX 200.
• Instreet Gold Plus Yield 3-year structured product providing gold price exposure with fixed semi-annual coupons of 6% p.a. (indicative as at 7 March 2021), subject to a 5% monthly cap on positive performance; SMSF-suitable.
• Instreet Income Instalment Warrants Income-generating instalment warrant product providing regular income payments to investors through Instreet's Pricing & Performance offering.
• Instreet OTC Service Over-the-counter service for sophisticated investors and advisers, providing option-like exposure over global single stocks, equity indices, rates and commodities, with tailored solutions and competitive pricing via institutional relationships and tendering.
• Instreet Bespoke Solutions Custom-tailored structured product solutions for sophisticated investors and advisers, enabling design of underlying asset classes and pay-off profiles across equities, commodities, FX, fixed income, inflation, interest rates, managed funds and property.

Quantifiable outcome

• Over $1.5 billion in assets under management structured since 2007
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• 62 Consulting Pty LtdcoreOthers62 Consulting Pty Ltd (ABN 88 664 809 303, AFSL No. 548573) is the Australian Financial Services Licence holder. Instreet Investment Australia Limited operates as a Corporate Authorised Representative of 62 Consulting Pty Ltd. This is the primary regulatory relationship enabling Instreet to provide financial services.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Quay Structured Solutions: Quay is an Australian structured product issuer focused on defined-outcome and yield series distributed via financial advisers, with overlapping Masti-like and Yield-like products targeting the same retail/HNW/SMSF segments.

Regional players

• Canaccord Genuity (Australia): Canaccord Genuity Australia's wealth management business (incorporating former Patersons Securities) distributes structured and yield products to Australian advisers and HNW investors, overlapping Instreet's primary channel.
• Wilsons Advisory: Wilsons Advisory is an Australian stockbroking and wealth firm offering structured products and tailored solutions to HNW and wholesale clients via advisers, with comparable adviser-distribution model.
• Bell Potter Securities: Bell Potter operates an Australian wealth advisory and research business that distributes third-party structured products and offers its own instalment warrant and yield products, competing for the same adviser-led Australian HNW flow.
• Euroz Hartleys: Euroz Hartleys is a Western Australia-headquartered wealth adviser and corporate adviser that offers structured and yield-style products to Australian retail and HNW clients, competing on adviser shelf space with Instreet.

Broad incumbents

• Westpac: Westpac's wealth division issues structured products, instalment warrants and structured notes distributed via BT Panorama advisers and external advisers, providing a scaled incumbent alternative to Instreet's Masti/Yield/Link suite.
• Macquarie Bank: Macquarie's Equity Derivatives and tailored solutions group issues structured products and DPAs into the Australian adviser and wholesale market, directly competing with Instreet's Masti, Yield and Link series on the same Australian adviser shelf.
• Société Générale (Australia): Société Générale's equity derivatives and structured products franchise distributes warrants and structured notes into Australia, offering an investment-bank alternative to Instreet's index-linked and bespoke OTC options.
• BNP Paribas (Wealth Management): BNP Paribas issues structured products and yield notes distributed to Australian advisers and HNW clients, with comparable index-linked and conditional-coupon structures to Instreet's Masti and Yield range.
• UBS (Australia): UBS Australia's investment bank issues structured products, yield notes and warrants for the Australian adviser channel, providing global-bank competition to Instreet's S&P500 and Euro Stoxx 50-linked Masti and Link series.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/instreet-investment-australia-limited

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Instreet