Discover the excellence of our award winning 12 Month Investment Account, recognised as the “Best Credit Fund – Mortgages” by Money magazine for 17 consecutive years. Investors enjoy competitive variable rates of return in the form of monthly income. The account invests in mortgage assets and Australian cash. It provides diversification and inflation-responsive returns, consistently outperforming its benchmark.
On 12 March, 2026, La Trobe Financial changed the name of the 12 Month Term Account to the 12 Month Investment Account. Please note that for a period of time post this transition, La Trobe Direct and your investor statements will reflect the previous investment account name.
Low – Medium Risk Classification**
Consistent monthly income since inception. Zero capital losses for investors^. Low volatility outperformance.
Recognised as ‘Best Credit Fund – Mortgages’ in Australia for the past 17 years by Money magazine, with a track record of outperformance^.
Earn 2,500 Qantas Points for every eligible investment of $10,000 into the 12 Month Investment Account. T & Cs apply.
*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. ^Past performance is not a reliable indicator of future performance.
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Important: The past performance of this investment product is not a reliable indicator of future performance.
This chart illustrates how a $100,000 investment in this product has performed historically since the inception of the investment product and assuming 100% of the interest distributions were reinvested each month.
The trend line represents the accumulation of the net dollar value of the investment over time before tax is applied.
Our ratings reports are only one factor to consider when deciding to invest. These reports are intended for the professional use of financial advisers only. By accessing any of the reports below you are confirming that you hold an AFSL or are an authorised representative. View (1), (3) and (4) on our Investor Disclaimer page for further information.
12 Month Investment Account rated Recommended – 2025
12 Month Investment Account rated Outstanding “4.5 Stars” – 2025
‘Recommended’ rating for the 12 Month Investment Account
Create your La Trobe Direct online account today. La Trobe Direct gives you online access to our range of investment options.
Verify your identity and we’ll assign you with your unique La Trobe Direct investor number.
Login to your La Trobe Direct online account. Connect a deposit method, select your investment product and deposit funds.
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 1 June, 2026. 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 1 June, 2026. Rate after fees, reviewed monthly.
Our 90 Day Notice Account provides a low-medium risk** investment in first registered mortgages, Australian cash, and credit instruments.
*Current variable rate effective as at 1 June, 2026. Rate after fees, reviewed monthly.
Discover extended investment opportunities with our 4 Year Investment Account. Invest in Australian residential and commercial credit assets.
^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.
An investment in the Credit Fund is not a bank deposit, and investors risk losing some or all of their principal investment. Past performance is not a reliable indicator of future performance. Withdrawal rights are subject to liquidity and may be delayed or suspended. To the extent that any statement on this website constitutes financial product advice, that advice is general and has been prepared without considering your objectives, financial situation, or needs. Before deciding to acquire or continue holding an interest in the La Trobe Australian Credit Fund, consider the appropriateness of the advice having regard to your objectives, financial situation, or needs, and obtain and consider the Fund’s PDS and TMDs. When considering whether to acquire or to continue to hold an interest in the Fund, be aware that that (1) an investment in the Fund is not a bank or 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 the Fund which are detailed in section 9 of the PDS. Full disclaimers are available here.
The variable rates of return are current at 1 June, 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.
