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Credit Fund Investment Option 2 Year Account 6.75%* p.a. current variable rate after fees, reviewed monthly

Offers a highly diversified portfolio of registered first mortgage loans with low volatility.

Product Details

The 2 Year Account was introduced to investors as a result of the popularity of the highly awarded 12 Month Term Account
Low – Medium Risk Classification**

The 2 Year Account aims to provide Investors with a reasonably predictable income based on a monthly variable rate of return, investing in a wide range of loans secured by first mortgages in a range of industry sectors, with geographic diversification across Australia. Choosing the 2 Year Account means you enjoy substantial diversification of investment in loans secured by first mortgages over the medium to long term investment horizon.

*The rates of return on your investment are current at 1 December 2023, determined monthly, may change, not guaranteed (may be lower than expected) and applicable rate paid at start of the following month.  Credit Fund investment is not a bank deposit & investors risk losing their principal investment.  Withdrawal rights are subject to liquidity and may be delayed / suspended.  Before deciding to invest, you should consider the PDS from the issuer La Trobe Financial Asset Management Limited AFSL 222213.  You can read the PDS and the Target Market Determinations on our website or ask for a copy by calling us on 13 80 10.

Quick Facts
as at 31 October 2023

Access to funds

24 Months

Entry/exit fees (if investment held to maturity)

Nil

Min. Investment

$10

Account Size

$84.4m

Cash & Liquid Investments

$1.9m

Credit Assets

n/a

Mortgages

$82.5m

No of Mortgages

102

Average LVR

63.8%

No of Investors

980

Average Investment

$0.8m

Largest Investment

$3.7m

Fixed Rate Exposure

18.5%

Variable Rate Exposure

81.5%

Arrears (>90 days)

0.0%

Mortgage to Cash Ratio

98:2

Historical Performance as at 31 October 2023

Historical Performance

Return

Benchmark

Performance

1 month

0.53%

0.48%

+0.05%

3 months

1.60%

1.50%

+0.10%

6 months

3.11%

2.83%

+0.28%

1 year

6.05%

5.27%

+0.78%

3 years p.a

n/a

n/a

n/a

5 years p.a

n/a

n/a

n/a

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Maturity Tenure

Amount

Percent

0-6 months

$8.8m

10.7%

7-12 months

$13.4m

16.3%

1-3 years

$14.7m

17.9%

3-5 years

$13.7m

16.6%

5+ years

$31.7m

38.5%

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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Please note: An investment in the La Trobe Australian Credit Fund is not a bank deposit.

*The rates of return on your investment are current at 1 December 2023. The rates of return are reviewed and determined monthly and may increase or decrease each month. The applicable distribution for any given month is paid at the start of the following month. The rates of return are not guaranteed and are determined by the future revenue of the Credit Fund and may be lower than expected.

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.

La Trobe Financial Asset Management Limited ACN 007 332 363 Australian Financial Services Licence 222213 Australian Credit Licence 222213 is the responsible entity of the La Trobe Australian Credit Fund ARSN 088 178 321. It is important for you to consider the Product Disclosure Statement for the Credit Fund in deciding whether to invest, or to continue to invest, in the Credit Fund. You can read the PDS and the Target Market Determinations on our website or ask for a copy by calling us on 13 80 10.

#We will make every endeavour to release your funds 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, after receiving your redemption request. We however have 12 months under the Fund’s Constitution to honour that request. In determining whether to honour your redemption request within 2 business days for the Classic Notice Account, 90 days for the 90 Day Notice Account or 180 days for the 6 Month Notice Account we have to have regard to the Fund’s cash position and the best interests of all investors. There is a risk that a redemption request will not be honoured within 2 business days, 90 days or 180 days. However, there has never been a case in the history of the Fund when we have not honoured a redemption request on time due to a lack of liquidity.

**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.

To the extent that any statement on this website constitutes financial product advice, that advice is general advice only and has been prepared without considering your objectives, financial situation or needs. You should, before deciding to acquire or to continue to hold 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 Product Disclosure Statement for the Fund.

When considering whether to acquire or to continue to hold an interest in the Fund, you should remember that (1) an investment in the Fund is not a bank deposit or a term deposit, and is not covered by the Australian Government’s deposit guarantee scheme. Investing in the Fund has a higher level of risk compared to investing in a term deposit issued by a bank and (2) there are other risks associated with an investment in the Fund. The key risks of investing in the Fund are explained in section 9 of the PDS.

Please refer to the Investor Disclaimers page for full disclaimers.

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Other Investment Options

Classic Notice
Account
5.15%*# p.a.
(current variable rate after fees, reviewed monthly)

Offers investments in mortgage assets, Australian cash and other credit instruments.

Learn More
90 Day Notice Account
5.45%*# p.a.
(current variable rate after fees, reviewed monthly)

Offers investments in mortgage assets, Australian cash and other credit instruments.

Learn More
6 Month Notice Account
5.70%*# p.a.
(current variable rate after fees, reviewed monthly)

Our 6 Month Notice Account invests in mortgage assets, Australian cash and other credit instruments.

Learn More
12 Month Term Account
6.65%* p.a.
(current variable rate after fees, reviewed monthly)

Offers a highly diversified portfolio of registered first mortgage loans targeting low volatility.

Learn More
4 Year Account
8.20%* p.a.
(current variable rate after fees, reviewed monthly)

Offers access to credit investments previously available to institutional and professional investors only.

Learn More
Select Investment Account
From
7.50%* p.a.

Offers access to Australia’s largest and most robust mortgage portfolio, providing greater control and more choice.

Learn More

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La Trobe Financial is one of Australia’s leading diversified wealth managers.

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We’d love to hear from you. Use the form or call 13 80 10.

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