La Trobe Financial’s flagship 12 Month Term Account has once again been recognised as Money magazine’s Best Private Credit Fund – Mortgages in its annual Best of the Best consumer awards.
This marks the 17th consecutive year we’ve received this accolade – a testament to the trust you’ve placed in us and the consistency of our approach. Our focus has always been simple: deliver stable, low-volatility income and preserve your capital through all market cycles. That discipline has earned the confidence of more than 120,000 investors^, many of whom are in or approaching retirement. We take that responsibility seriously.
Our 12 Month Term Account is Australia’s largest private credit fund, with over $11 billion in assets under management and a track record that speaks for itself:
- 100% return of capital to investors since inception in 2002
- Flawless liquidity, having never gated, frozen or suspended redemptions even during the most potent of liquidity events
- Continued outperformance of benchmarks, with the 12 Month Term Account currently providing a monthly interest rate of 6.00% p.a.*.
The defensive portfolio is supported by over 12,000 individual loans, offering exceptional diversification with assets diversified by borrower type, sector, and geography – aligned with population centres for resilience.
Transparency is at the heart of what we do. We publish detailed performance data so you can make informed decisions. Our disciplined approach and commitment to quality have allowed us to deliver consistent, reliable outcomes for more than two decades.
Looking ahead, we remain focused on strengthening our investment offerings and enhancing the tools and reporting available to you. Our mission is clear: help Australians build, protect, and enjoy their wealth – now and into retirement.
Thank you for your continued trust and partnership.
La Trobe Financial is regulated by the Australian Securities & Investments Commission (ASIC) and holds the requisite regulatory AFSL and ACL to operate managed investment schemes, place RMBS issuances, and provide credit services.
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 088 178 321 and the La Trobe US Private Credit Fund ARSN 677 174 382. It is important that you consider the relevant Product Disclosure Statement (PDS) before deciding whether to invest or continue to invest in the fund. The PDSs and Target Market Determinations are available on our website.
Past performance is not a reliable indicator of future performance.
^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 platform, trusts or SMSFs.
*Current variable rate effective as at 1 November, 2025. Rate after fees, reviewed monthly.
