Your investment decision comes down to whether you want to personalize your investments or watch from the sidelines. Deciding to participate in individual trust deeds allows you to further your understanding of mortgage investing.

Investment Size: Individual trust deeds typically require a larger investment, while trust deed funds allow investors to invest smaller amounts.

Risk: Investing in individual trust deeds can be riskier than investing in a trust deed fund. With an individual trust deed, your investment is tied to a single property and borrower, and if the borrower defaults, you could lose some or all of your investment. Trust deed funds, on the other hand, typically invest in a diversified portfolio of loans, which can help reduce risk.

Liquidity: Individual trust deeds can be less liquid than trust deed funds, as it can be difficult to sell a single trust deed investment. Trust deed funds typically offer more liquidity, as investors can typically buy or sell shares in the fund.

Control: Investing in individual trust deeds allows you more control over the specific properties and borrowers you invest in. With a trust deed fund, you are entrusting the management of the fund to the fund manager.

Fees: Trust deed funds typically charge management fees, which can eat into your returns. Individual trust deeds may have fewer fees, but you will need to perform more due diligence to ensure that you are making a sound investment.