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%* from 7.00%*
Term 48 hours# 12 months customised (you choose) 3 years
Basis Pooled Pooled Peer-to-Peer (P2P) Mixed Pool & P2P
Income Paid Monthly Monthly Monthly or Quarterly Monthly or Quarterly
Min Invest (No Max) $10 $10 $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 $417.1m $1077.4m $378.3m $70.0m
Cash & Liquid Investments $121.8m $101.4m $0.4m $0.8m
Credit Assets $0m $0m $0m $45.0m
Mortgages $295.3m $976.0m $377.9m $24.2m
No of Mortgages 761 2,134 620 80
Average LVR (%) 66.6% 62.9% 59.5% Varies
No of Investors 7,073 7,656 5,592 235
Average Investment $388,046 $457,365 $609,574 $303,050
Largest Investment $2,305,425 $6,900,015 $14,187,309 $8,291,060
Fixed Rate Exposure 1.2% 12.2% 43.7% 91.0%
Variable Rate Exposure 98.8% 87.8% 56.3% 9.0%
Arrears (>90 days) 0.8% 1.5% 3.4%
excludes third party originated loans
0.2%
excludes third party originated loans
 
Past
Performance

Return
Bench-mark
Perfor-mance

Return
Bench-mark
Perfor-mance

Return

Return
1 Month
0.27%
0.17%
+0.10%
0.43%
0.27%
+0.16%
0.63% 0.97%
3 Months
0.80%
0.50%
+0.30%
1.31%
0.80%
+0.51%
1.93% 2.93%
6 Months
1.61%
1.00%
+0.61%
2.63%
1.61%
+1.02%
3.91% 5.99%
1 Year
3.25%
2.01%
+1.24%
5.33%
3.25%
+2.08%
7.97% 12.39%
2 Years
3.25%
2.13%
+1.12%
5.33%
3.41%
+1.92%
7.93% 12.34%
3 Years
3.36%
2.29%
+1.07%
5.41%
3.55%
+1.86%
7.98% 12.05%
5 Years
3.77%
2.63%
+1.14%
5.81%
3.84%
+1.97%
8.20% 11.68%
 
Maturity Profile
Amount
Percent
Amount
Percent
Amount
Percent
Amount
Percent
0-6 Months
$13.4m
4.5%
$145.3m
14.9%
$140.3m
37.0%
$22.4m
92.3%
7-12 Months
$8.6m
2.9%
$118.4m
12.1%
$89.5m
23.7%
$0.1m
0.5%
1-3 Years
$103.9m
35.2%
$270.3m
27.7%
$131.0m
34.7%
$0.2m
0.8%
3-5 Years
$11.8.4m
4.0%
$67.2m
6.9%
$12.3m
3.3%
$0m
0%
5+ Years
$157.6m
53.4%
$374.8m
38.4%
$4.8m
1.3%
$1.5m
6.4%
As at 31 December 2017
Benchmark for Classic 48 Hour Account: Offical Cash Rate (+0.5%)
Benchmark for 12 Month Term Account: Bloomberg Ausbond BBI (+1.5%)