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 1-5 years 1-5 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 Varies per individual investment
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 $468.8m $1,458.9m $394.4m $78.6m
Total FUM (%) 20% 61% 16% 3%
Cash & Liquid Investments $141.6m $96.7m $0.4m $2.9m
Credit Assets n/a n/a n/a $49.2m
Mortgages $327.2m $1,362.2m $394.4m $26.5m
No of Mortgages 794 3,075 670 78
Average LVR (%) 66.6% 62.1% 59.8% Varies per individual investment
No of Investors 7,993 9,321 2,222 265
Average Investment $412,132 $443,005 $588,599 $339,384
Largest Investment $7,461,028 $6,900,340 $12,479,412 $8,394,670
Fixed Rate Exposure 5.6% 14.3% 40.9% 92.2%
Variable Rate Exposure 94.4% 85.7% 59.1% 7.8%
Arrears (>90 days) 0.9% 1.2% 2.1%
excludes third party originated loans
0.2%
excludes third party originated loans
Mortgage to Cash Ratio 71:29 94:6 n/a n/a
 
Past
Performance

Return
Bench-mark
Perfor-mance

Return
Bench-mark
Perfor-mance

Return

Return
1 Month
0.27%
0.17%
+0.10%
0.43%
0.30%
+0.14%
0.63% 0.97%
3 Months
0.80%
0.50%
+0.30%
1.31%
0.87%
+0.44%
1.91% 2.96%
6 Months
1.61%
1.00%
+0.61%
2.63%
1.62%
+1.01%
3.87% 6.02%
1 Year
3.25%
2.01%
+1.24%
5.33%
3.25%
+2.08%
7.93% 12.37%
5 Years
3.62%
2.46%
+1.13%
5.67%
3.76%
+1.91%
8.11% 11.74%
7 Years n/a
6.18%
4.19%
+1.99%
n/a n/a
10 Years n/a
6.66%
4.81%
+1.85%
n/a n/a
Since Inception n/a
6.94%
5.69%
+1.25%
n/a n/a
 
Maturity Profile
Amount
Percent
Amount
Percent
Amount
Percent
Amount
Percent
0-6 Months
$28.4m
8.7%
$179.4m
13.2%
$166.3m
42.2%
$6.2m
23.3%
7-12 Months
$24.5m
7.5%
$133.6m
9.8%
$64.4m
16.3%
$1.5m
5.8%
1-3 Years
$105.9m
32.4%
$312.6m
23.0%
$147.1m
37.3%
$16.2m
61.2%
3-5 Years
$25.0m
7.6%
$67.8m
5.0%
$11.7m
3.0%
$0m
0%
5+ Years
$143.4m
43.8%
$668.8m
49.0%
$4.9m
1.2%
$2.6m
9.7%
As at 30 June 2018
Benchmark for Classic 48 Hour Account: Offical Cash Rate (+0.5%)
Benchmark for 12 Month Term Account: Bloomberg Ausbond BBI (+1.5%)