Continued…
La Trobe Australian Credit Fund
The $14bn La Trobe Australian Credit Fund exemplifies these characteristics. For longevity, diversification and track record – the ultimate proof of quality – it is entirely unlike any other offering in market. It has over 14,000 high-quality loans, all secured by registered first mortgages over property here in Australia. The average loan to value ratio of its loans is just 67.4%. And our unique liquidity management framework has delivered flawless liquidity for our pooled accounts to investors for decades, including during the Global Financial Crisis and the COVID-19 pandemic.
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Our flagship Australian strategy is the multi-award winning 12 Month Investment Account. This is a highly diversified portfolio delivering investors a variable monthly income with zero investor losses in its 23-year history.
La Trobe US Private Credit Fund
Launched in 2023, our U.S strategy provides more opportunity for variable return, diversified credit investment. And the same principles apply with quality assets, in a quality structure, prepared by a quality manager.
The La Trobe US Private Credit Fund is pure-play exposure, at work in America’s engine room, the U.S middle market. A carefully constructed, diversified portfolio of first‑lien, low LVR loans, highly diversified by borrower and sector. And the stats, which we make available on our website each month back this up.
The portfolio comprises low Payment In Kind (PIK) loan numbers, loans performing per their documented terms, and minimal non-accruals. This is a quality portfolio, within a quality structure. Underlying assets are originated via our product partner, Morgan Stanley, and their North American Private Credit Team. These are quality, conservative, and experienced managers delivering on a mandate for low volatility returns for investors.
No substitute
One thing is certain. Market volatility will continue. And investment strategies built on poor foundations will suffer.
But don’t panic. It’s simply time to pay attention.
Understand the dispersion within credit. Not all managers are investing in the same quality assets with the same discipline. Understand the structure, and each manager’s true ability to generate liquidity so you can access your money when you need it. Understand the manager, and their demonstrated ability to manage their assets across moments like this.
In the long term, the best results are always delivered by quality assets, held within quality structures, managed by quality people. And there’s no substitute for that.
Alternative asset management investments – La Trobe Financial
La Trobe Financial Asset Management Limited ACN 007 332 363 Australian Financial Services Licence No. 222213 is the responsible entity of the La Trobe Australian Credit Fund ARSN 088 179 321 and the La Trobe US Private Credit Fund ARSN 677 174 382.
*The variable rates of return are current at 1 April 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. It is important that you consider the relevant Product Disclosure Statement (PDS) and TMD and awards before deciding whether to invest or continue to invest in the fund. The PDSs and Target Market Determinations are available on our website.
Any financial product advice is general only and has been prepared without considering your objectives, financial situation or needs. You should, before investing or continuing to invest in the La Trobe Australian Credit Fund & La Trobe US Private Credit Fund (Funds), consider the appropriateness of the advice having regard to your objectives, financial situation or needs and obtain and consider the relevant Product Disclosure Statement for the fund.
When considering whether to invest or continue investing in the Funds, you should be aware that (1) an investment in the Fund is not a term deposit, and your investment is not covered by the Australian Government’s deposit guarantee scheme (2) changes in interest rates may negatively affect, directly or indirectly, investment values or returns (3) there are other risks associated with an investment in the Fund. The key risks of investing in the Fund are explained in section 6 of the PDS of the La Trobe US Private Credit Fund or section 9 of the La Trobe Australian Credit Fund, available on our website.
^Total investors is calculated by adding all individual & joint investors (which includes some investors with a current zero balance in their account) to reasonable estimates of investors investing via trusts or SMSFs.
Past Performance is not a reliable indicator of future performance.
*Current variable rate effective as at 1 April, 2026. Rate after fees, reviewed monthly.
Our flagship 12 Month Investment Account has been recognised as the “Best Credit Fund – Mortgages” for 17 consecutive years by Money magazine.
*Current variable rate effective as at 1 April, 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 April, 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 April, 2026. Rate after fees, reviewed monthly.
Our 6 Month Notice Account provides investors with greater flexibility to suit their income and investment duration requirements.
*Current variable rate effective as at 1 April, 2026. Rate after fees, reviewed monthly.
Invest in our 2 Year Investment Account for low volatility income. Access loans secured by first mortgages across Australia.
*Current variable rate effective as at 1 April, 2026. Rate after fees, reviewed monthly.
Discover extended investment opportunities with our 4 Year Investment Account. Invest in Australian residential and commercial credit assets.
From
7.25 % * p.a.*Current variable rate effective as at 1 April, 2026. Rate after fees, reviewed monthly.
Join one of Australia’s largest peer-to-peer lending platforms. All loans included in the Select Investment Account are assessed by La Trobe Financial and secured by a registered mortgage over property in Australia.
From
7.25 % ** p.a.**Target distribution return, net of fees & expenses and before adjustments for FX rate fluctuations.
The US Private Credit Fund indirectly invests into a defensive portfolio comprising a majority of directly originated senior secured loans issued to US middle market companies. Gain access to the world-renowned and highly successful Morgan Stanley Private Credit platform.
* The Fund has a target cash distribution yield of RBA Official Cash Rate1 + 3.25% p.a.2. This is equivalent to the above yield as at 18 March 2026. (Net of fees, costs and taxes incurred by the Fund, paid monthly).
The La Trobe Private Credit Fund (LF1) provides monthly income, daily liquidity, and access to an award-winning private credit strategy, all through a single ASX listed vehicle.
Seven decades of experience. Over 550 staff. The scale to bring opportunities to investors that other managers cannot access.
Time-tested^ portfolios with proven performance across every economic cycle.
A commitment to high quality assets and disciplined investment processes delivering resilient performance across the market cycle^.
During periods of economic change investors tend to focus on one thing: income that they can depend on.
Our Chief Investment Officer, Chris Paton, was recently featured in Capital Finance International discussing why discipline remains the defining factor in delivering durable investment outcomes, particularly as private credit continues to expand and market conditions remain uncertain.
Thank you to everyone who joined our recent webinar, we hope you found the discussion engaging. For those who were unable to attend live, or who would like to revisit the session, we’re pleased to share the recording below, which you can watch at a time that suits you.
^Past performance is not a reliable indicator of future performance.
