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. from 6.15% p.a. from 7.15% p.a.
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 $249.0m $780.1m $355.1m $58.3m
Cash & Liquid Investments $80.9m $68.4m $0.4m $0.3m
Credit Assets $0m $0m $0m $30.9m
Mortgages $168.1m $711.7m $354.7m $27.1m
No of Mortgages 432 1,643 574 103
Average LVR (%) 67.9% 63.4% 60.0% Varies
No of Investors 5,837 6,069 5,274 127
Average Investment $389,057 $433,199 $617,917 $262,647
Largest Investment $3,312,926 $6,895,600 $13,767,080 $8,290,710
Fixed Rate Exposure 10.2% 13.3% 51.2% 88.3%
Variable Rate Exposure 89.8% 86.7% 48.8% 11.7%
Arrears (>90 days) 3.2% 2.2% 3.4% 0.1%
 
Past
Performance

Return
Cash
Rate
Perfor-mance

Return
Bench-mark
Perfor-mance

Return

Return
1 Month
0.27%
0.13%
+0.14%
0.43%
0.28%
+0.15%
0.64% 0.98%
3 Months
0.80%
0.38%
+0.42%
1.31%
0.82%
+0.49%
1.93% 2.98%
6 Months
1.61%
0.75%
+0.86%
2.63%
1.63%
+1.00%
3.87% 6.09%
1 Year
3.25%
1.62%
+1.63%
5.33%
3.44%
+1.89%
7.88% 12.48%
2 Years
3.32%
1.83%
+1.49%
5.38%
3.59%
+1.79%
7.95% 12.02%
3 Years
3.59%
2.05%
+1.54%
5.63%
3.80%
+1.83%
8.06% 11.56%
5 Years
4.10%
2.43%
+1.67%
6.12%
4.15%
+1.97%
8.38% 11.59%
 
Maturity Profile
Amount
Percent
Amount
Percent
Amount
Percent
Amount
Percent
0-6 Months
$29.0m
17.3%
$147.2m
20.7%
$178.8m
50.4%
$8.7m
32.3%
7-12 Months
$7.4m
4.4%
$77.4m
10.9%
$75.8m
21.4%
$16.3m
60.0
1-3 Years
$12.4m
7.4%
$168.7m
23.7%
$76.5m
21.6%
$0.0m
0.0%
3+ Years
$119.3m
70.9%
$318.4m
44.7%
$23.6
6.6%
$2.1m
7.7%
As at 31 March 2017
Benchmark for 12 Month Term Account: Bloomberg Ausbond BBI (+1.5%)