4 Year Account

8.20% * p.a.

*Current variable rate effective as at December 1, 2023. 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**

Key Benefits

Historical Performance

4 Year Account - Annual

wdt_ID Month Ending Net Return Monthly Return Account ($) Account (%) % Return
1 December 2015 100000 100.00% 0.00%
2 January 2016 7.00% 0.58% 100583 100.58% 0.58%
3 January 2017 7.00% 0.58% 107583 107.58% 7.58%
4 January 2018 7.00% 0.58% 114583 114.58% 14.58%
5 January 2019 7.00% 0.58% 121583 121.58% 21.58%
6 January 2020 6.30% 0.53% 128404 128.40% 28.40%
7 January 2021 5.50% 0.46% 134183 134.18% 34.18%
8 January 2022 5.00% 0.42% 139579 139.58% 39.58%
9 January 2023 7.00% 0.58% 145396 145.40% 45.40%
Month Ending Net Return Monthly Return Account ($) Account (%) % Return

(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).

How to Get Started

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**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.