Investment Account Comparison

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Classic 48 hour
Account
12 Month Term
Account
Select Investment
Account
High Yield Investment
Account
Investor Net Returns 3.20%* 5.20%* from 6.00%* from 7.00%*
Term 48 hours# 12 months customised (you choose) 3 years
Basis Pooled Pooled Peer-to-Peer (P2P) Mixed Pool & P2P
Returns Paid Monthly Monthly Monthly or Quarterly Monthly or Quarterly
Min Invest (No Max) $1,000 $1,000 $1,000 $100,000
Compound Return 3.25% p.a. 5.33% p.a. Not Available Not Available
Risk Classification** Low Low-Medium Medium-High Medium-High
Fixed/Variable Variable Variable Variable or Fixed Variable
Entry Fee Nil Nil Nil Nil
Account Size $363.2m $992.1m $381.3m $60.7m
Cash & Liquid Investments $98.3m $85.5m $0.4m $0.3m
Credit Assets $0m $0m $0m $35.0m
Mortgages $264.9m $906.6m $380.9m $25.4m
No of Mortgages 689 1,979 592 84
Average LVR (%) 66.6% 63.4% 59.1% Varies
No of Investors 6,773 7,263 5,555 212
Average Investment $384,460 $458,111 $643,460 $302,843
Largest Investment $2,315,013 $6,900,015 $14,405,679 $8,291,010
Fixed Rate Exposure 0.9% 13.2% 48.3% 91.2%
Variable Rate Exposure 99.1% 86.8% 51.7% 8.8%
Arrears (>90 days) 1.6% 1.8% 2.5%
excludes third party originated loans
0.2%
excludes third party originated loans
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Past
Performance

Return
Bench-mark
Perfor-mance

Return
Bench-mark
Perfor-mance

Return

Return
1 Month
0.27%
0.17%
+0.10%
0.43%
0.28%
+0.15%
0.64% 0.98%
3 Months
0.80%
0.50%
+0.30%
1.31%
0.81%
+0.50%
1.95% 2.97%
6 Months
1.61%
1.00%
+0.61%
2.63%
1.62%
+1.01%
3.93% 6.03%
1 Year
3.25%
2.01%
+1.24%
5.33%
3.26%
+2.07%
7.95% 12.48%
2 Years
3.25%
2.17%
+1.08%
5.33%
3.46%
+1.87%
7.94% 12.29%
3 Years
3.40%
2.35%
+1.05%
5.46%
3.61%
+1.85%
8.00% 11.97%
5 Years
3.83%
2.68%
+1.15%
5.87%
3.90%
+1.97%
8.24% 11.66%
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Maturity Profile
Amount
Percent
Amount
Percent
Amount
Percent
Amount
Percent
0-6 Months
$10.7m
4.1%
$159.2m
17.6%
$184.6m
48.5%
$22.6m
88.9%
7-12 Months
$9.6m
3.6%
$95.6m
10.5%
$70.2m
18.4%
$1.2m
4.8%
1-3 Years
$88.9m
33.6%
$248.8m
27.4%
$110.2m
28.9%
$0m
0.0%
3+ Years
$155.8m
58.7%
$403.0m
44.5%
$15.9m
4.2%
$1.6m
6.3%
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As at 31 October 2017
Benchmark for Classic 48 Hour Account: Offical Cash Rate (+0.5%)
Benchmark for 12 Month Term Account: Bloomberg Ausbond BBI (+1.5%)

Investment Forms

Investment Forms and Documents
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Awards & Ratings

Awards & Ratings
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Our Investment Team

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FAQs

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CONSUMER ADVISORY NOTE

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.

# While we have 12 months under the Fund’s Constitution within which to honour your redemption request if there is insufficient liquidity in this Account at the time of your request, we will make every endeavour to honour your redemption request from your Classic 48 hour Account within 2 business days. There has never been a case in the history of this Account, since 1999, when we have not honoured a redemption request on time due to a lack of liquidity.

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