12 Month Term Account*

medium low risk classification**

Our 12 Month Term Account has a proud history of outperforming its benchmark and competition.

Our 12 Month Term Account has increased its performance against other credit funds over all time periods and fully met all investor withdrawal/renewal requests. Money magazine has judged the 12 Month Term Account the Best Mortgage Fund in Australia for eight years running (2010 - 2017).

So if you are considering a 12 month term investment, speak to our investment specialists about the 12 Month Term Account.


  • all funds invested in cash or loans secured by first mortgages in Australia
  • 12 month term investment*
  • no entry or exit fees (if investment held to maturity)
  • personal service from our investment specialists
  • the security of a manager with over 65 years' experience
  • minimum investment $1,000
Quick Facts Value
Account Size $992.1m
Cash & Liquid Investments $85.5m
Credit Assets $0m
Mortgages $906.6m
No of Loans 1,979
Average LVR (%) 63.4%
No of Investors 7,263
Average Investment $458,111
Largest Investment $6,900,015
Fixed Rate Exposure 13.2%
Variable Rate Exposure 86.8%
Arrears (>90 days) 1.8%
As at 31 October 2017
Account Return BBI + 150 bps Perform
5.20% 3.30% +1.90%
As at 31 October 2017

Ratings:


Awards:




Adviser Updates File Size Type
Adviser Update – 2017 Q3 1.47 MB file-type
Adviser Update – 2017 Q2 1.39 MB file-type
Adviser Update – 2017 Q1 1.29 MB file-type
Adviser Update – 2016 Q4 1.14 MB file-type
Performance 12 Month Term Account Bloomberg Ausbond BBI (+1.5%) Perform
1 month 0.43% 0.28% +0.15%
3 months 1.31% 0.81% +0.50%
6 months 2.63% 1.62% +1.01%
1 year 5.33% 3.26% +2.07%
2 years p.a. 5.33% 3.46% +1.87%
3 years p.a. 5.46% 3.61% +1.85%
5 years p.a. 5.87% 3.90% +1.97%
As at 31 October 2017
Maturity Profile Amount Percent
0-6 months $159.2m 17.6%
7-12 months $95.6m 10.5%
1-3 years $248.8m 27.4%
3-5 years $70.5m 7.8%
5+ years $332.5m 36.7%
As of 31 October 2017

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Key Investor Documents:


La Trobe Financial Asset Management Limited ACN 007 332 363 Australian Financial Services Licence 222213 Australian Credit Licence 222213 is the issuer and manager of the La Trobe Australian Credit Fund ARSN 088 178 321.
It is important for you to consider the Product Disclosure Statement for the Credit Fund in deciding whether to invest, or to continue to invest, in the Credit Fund. You can read the PDS on our website or ask for a copy by telephoning us.

* Returns on our investments are variable and paid monthly. Past performance is not a reliable indicator of future performance. The rates of return from the Credit Fund are not guaranteed and are determined by the future revenue of the Credit Fund and may be lower than expected. Investors risk losing some or all of their principal investment. An investment in the Credit Fund is not a bank deposit. Withdrawal rights are subject to liquidity and may be delayed or suspended.

** We provide this risk classification as a guide and it describes the relative risk, compared to the other Investment Accounts in the Fund. In assessing the relative risks of each Investment Account, we have had reference to the categories of risk described in the Standard Risk Measure Guidance Paper for Trustees issued jointly by the Financial Services Council (of which we are a member) and the Association of Superannuation Funds of Australia dated July 2011.

Please refer to the disclaimers link on this page for full disclaimers.