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12 Month Term Account

6.75% * p.a.

*Current variable rate effective as at November 1, 2024. Rate after fees, reviewed monthly.

Discover the excellence of our award winning 12 Month Term Account, recognised as the “Best Credit Fund – Mortgages” by Money magazine for 16 consecutive years. Investors enjoy competitive variable rates of return in the form of monthly income. The account invests in mortgage assets and Australian cash. It provides diversification and inflation-responsive returns, consistently outperforming its benchmark.
Low – Medium Risk Classification**

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Key Benefits

Historical Performance

12 Month Term Account

wdt_ID Month Ending Net Return Monthly Return Accumulation ($) Account (%) % Return
1 September 2002 100000 100.00% 0.00%
2 October 2002 6.00% 0.50% 100500 100.50% 0.50%
3 October 2003 7.00% 0.58% 107142 107.14% 7.14%
4 October 2004 7.00% 0.58% 114887 114.89% 14.89%
5 October 2005 7.50% 0.63% 123806 123.81% 23.81%
6 October 2006 7.25% 0.60% 133362 133.36% 33.36%
7 October 2007 7.50% 0.63% 143418 143.42% 43.42%
8 October 2008 8.25% 0.69% 155187 155.19% 55.19%
9 October 2009 6.95% 0.58% 166674 166.67% 66.67%
10 October 2010 7.65% 0.64% 179562 179.56% 79.56%
11 October 2011 7.80% 0.65% 194055 194.05% 94.05%
12 October 2012 7.15% 0.60% 208999 209.00% 109.00%
13 October 2013 6.15% 0.51% 222986 222.99% 122.99%
14 October 2014 6.00% 0.50% 236975 236.98% 136.98%
15 October 2015 5.20% 0.43% 250540 250.54% 150.54%
16 October 2016 5.20% 0.43% 263883 263.88% 163.88%
17 October 2017 5.20% 0.43% 277937 277.94% 177.94%
18 October 2018 5.20% 0.43% 292739 292.74% 192.74%
19 October 2019 5.05% 0.42% 308214 308.21% 208.21%
20 October 2020 4.50% 0.38% 323151 323.15% 223.15%
21 October 2021 4.15% 0.35% 337477 337.48% 237.48%
22 October 2022 5.30% 0.44% 351942 351.94% 251.94%
23 October 2023 6.25% 0.52% 373169 373.17% 273.17%
Month Ending Net Return Monthly Return Accumulation ($) Account (%) % Return

(A guide to this chart and table: This chart and table illustrate how a $100,000 investment in this product has performed historically. If you started with a base investment of $100,000 when this product began, the ‘Accumulation ($)’ column represents the gross dollar value of your investment on the 12-month anniversary each year. The table displays this both in dollar value (Accumulation ($)) and in terms of percentage growth (Account (%)). The ‘% Return’ column shows net return over time using the initial $100,000 investment as the starting point. Important: Past performance is not a reliable indicator of future performance. Numbers are rounded for reporting purposes, so where sum of the numbers is immaterially different from the total, it is acknowledged that this is due to report rounding).

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^Past performance is not a reliable indicator of future performance.

**We provide this risk classification as a guide and it describes the risk based on the investment strategy of the investment account and underlying asset base. In assessing the 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.

#We will make every endeavour to release your funds after receiving your withdrawal request: within 2 business days for the Classic Notice Account, 90 days for the 90 Day Notice Account, and 180 days for the 6 Month Notice Account. However, we have 12-months under the Fund’s Constitution to fulfill the request. When determining whether to honour your withdrawal request within the specified timeframes we have to have regard to the Fund’s ability to realise for value the relevant assets and the best interests of investors. While there is a risk of not honouring your withdrawal request within 2 business days, 90 days or 180 days, it’s important to note that there has never been a case in the history of the Fund when we have not honoured a withdrawal request on time due to a lack of liquidity.

An investment in the Credit Fund is not a bank deposit, and investors risk losing some or all of their principal investment. Past performance is not a reliable indicator of future performance. Withdrawal rights are subject to liquidity and may be delayed or suspended. To the extent that any statement on this website constitutes financial product advice, that advice is general and has been prepared without considering your objectives, financial situation, or needs. Before deciding to acquire or continue holding an interest in the La Trobe Australian Credit Fund, consider the appropriateness of the advice having regard to your objectives, financial situation, or needs, and obtain and consider the Fund’s PDS and TMDs. When considering whether to acquire or to continue to hold an interest in the Fund, be aware that that (1) an investment in the Fund is not a bank or term deposit, lacking coverage under the Australian Government’s deposit guarantee scheme and posing a higher risk than a bank-issued term deposit; and (2) additional risks are associated with an investment in the Fund which are detailed in section 9 of the PDS. Full disclaimers are available here.