Higher Portfolio Income Flowing Through to Investors
From 1 December 2026, investment rates across the La Trobe Australian Credit Fund will increase.
Our flagship 12 Month Investment Account will increase to 6.90% p.a.* after fees and costs, continuing its 24-year track record of delivering monthly income through changing economic, market and interest-rate cycles.^
Our investment rates are determined by the income earned by the underlying portfolios.
Most loans in the 12 Month Investment Account have variable rates and therefore may respond to changes in interest rates. We take a careful approach to portfolio and rate settings, allowing higher borrower income to be earned by the portfolio before adjusting the investment rate.
With that additional income now supporting the portfolio yield, we are pleased to pass it on to you through a higher investment rate.
Quality Remains the Gatekeeper
While the rate for the 12 Month Investment Account is increasing, the way we invest has not changed.
We remain patient and selective. We will not reach for additional yield at the expense of asset quality. We invest only where opportunities meet our standards for borrower quality, first-mortgage security and appropriate margins of safety.
That discipline has helped the 12 Month Investment Account deliver monthly income since 2002, with 100% of investor capital returned at maturity since inception.^
New rates across the La Trobe Australian Credit Fund
Investment rates across a number of our other accounts will also increase from 1 December 2026, reflecting the income generated by their respective portfolios.
*The variable rates of return will be effective from 1 December 2026. The rates of return are reviewed and determined monthly, are not guaranteed, and may be lower than expected. The rates of return are determined by the future revenue of the Credit Fund, and distributions for any given month are paid within 14 days after month end.
An investment in the Credit Fund is not a bank deposit, and investors risk losing some or all of their principal investment. Withdrawal rights are subject to liquidity and may be delayed or suspended.
^ Past performance is not a reliable indicator of future performance.
# 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.
La Trobe Financial Asset Management Limited ACN 007 332 363 Australian Financial Services Licence No. 222213 Australian Credit Licence No. 222213 is the responsible entity of the La Trobe Australian Credit Fund ARSN 088 178 321. Consider the Product Disclosure Statement and Target Market Determinations, available on our website, before deciding whether to invest or continue investing. This information is general only and does not take into account your objectives, financial situation or needs.
