*Current variable rate effective as at November 1, 2024. Rate after fees, reviewed monthly.
Our 4 Year Account provides investors with market-leading opportunities over a longer duration. This account primarily invests in a range of credit assets and is designed to deliver a steady income stream with low volatility.
Medium Risk Classification**
Secure diverse investment opportunities with a focus on diversified credit assets both domestic & global.
Income paid monthly. Market-leading returns. Low volatility.
Dedicated account manager for every investor. Friendly, personal service. Manage your investments online via La Trobe Direct.
^Past performance is not a reliable indicator of future performance. *The rate of return is reviewed and determined monthly and may increase or decrease each month. The rate of return applicable for any given month is paid at the start of the following month. The rate of return is not guaranteed and is determined by the future revenue of the Credit Fund and may be lower than expected.
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(A guide to this chart and table: This chart and table illustrate how a $100,000 investment in this product has performed historically. If you started with a base investment of $100,000 when this product began, the ‘Accumulation ($)’ column represents the gross dollar value of your investment on the 12-month anniversary each year. The table displays this both in dollar value (Accumulation ($)) and in terms of percentage growth (Account (%)). The ‘% Return’ column shows net return over time using the initial $100,000 investment as the starting point. Important: Past performance is not a reliable indicator of future performance. Numbers are rounded for reporting purposes, so where sum of the numbers is immaterially different from the total, it is acknowledged that this is due to report rounding).
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We are always here to help. Talk to our friendly Asset Management team and find the investment option that suits your goals.
*Current variable rate effective as at November 1, 2024. Rate after fees, reviewed monthly.
Our Classic Notice Account offers investors a competitive variable rate of return from investment in a range of credit assets.
*Current variable rate effective as at November 1, 2024. Rate after fees, reviewed monthly.
Our 90 Day Notice Account provides a low-risk** investment in first registered mortgages, Australian cash, and credit instruments.
*Current variable rate effective as at November 1, 2024. Rate after fees, reviewed monthly.
Our flagship 12 Month Term Account has been recognised as the “Best Credit Fund – Mortgages” for 15 consecutive years by Money magazine.
^Past performance is not a reliable indicator of future performance.
**We provide this risk classification as a guide and it describes the risk based on the investment strategy of the investment account and underlying asset base. In assessing the 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.
#We will make every endeavour to release your funds after receiving your withdrawal request: within 2 business days for the Classic Notice Account, 90 days for the 90 Day Notice Account, and 180 days for the 6 Month Notice Account. However, we have 12-months under the Fund’s Constitution to fulfill the request. When determining whether to honour your withdrawal request within the specified timeframes we have to have regard to the Fund’s ability to realise for value the relevant assets and the best interests of investors. While there is a risk of not honouring your withdrawal request within 2 business days, 90 days or 180 days, it’s important to note that there has never been a case in the history of the Fund when we have not honoured a withdrawal request on time due to a lack of liquidity.
Any advice on our website is general and has been prepared without considering your objectives, financial situation, or needs. When making your investment decision, note that (1) an investment in our products is not the same as a term deposit, lacking coverage under the Australian Government’s deposit guarantee scheme and posing a higher risk than a bank-issued term deposit; and (2) additional risks are associated with an investment in our products which are detailed in section 9 of the La Trobe Australian Credit Fund PDS, and section 6 of the La Trobe US Private Credit Fund PDS respectively. Full disclaimers are available here.
