La Trobe Financial Product Details:
ALL INVESTMENT ACCOUNTS

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%*6 from 7.00%*6
Term 48 hours 12 months customised (you choose) 3 years
Basis Pooled Pooled Peer-to-Peer (P2P) Mixed Pool & P2P
Interest 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 Grade 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% 0.2%
 
Past
Performance

Return
Cash
Rate
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%
 
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%
$0.0m
0.0%
3+ Years
$155.8m
58.7%
$403.0m
44.5%
$15.9m
4.2%
$1.6m
6.3%
As at 31 October 2017
Benchmark for 12 Month Term Account: Bloomberg Ausbond BBI (+1.5%)