In today’s evolving private credit landscape, financial advisers are navigating a wave of new products, platforms, and providers. As banks retreat from traditional lending, non-bank lenders and asset management firms have stepped in, offering investors access to attractive yield opportunities. But with growth comes complexity, the potential of volatility, and a whole range of other considerations.

Retirement is often portrayed as a time of leisure, but for many Australians, it comes with a pressing financial challenge: replacing a regular salary with reliable investment income. In today’s environment of market volatility and falling interest rates, traditional cash-based investments may no longer deliver the returns retirees need.

At La Trobe Financial, we don’t rely on stability to be stable. Our products are built on fundamentals that perform across all market conditions – whether volatile or calm. That’s the strength of a disciplined, cycle-aware investment philosophy.