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La Trobe Australian Credit Fund
You don’t need complexityto achieve your investment goals
latrobefinancial.com
“Investment accounts that have stood the test of time”
ABOUT LA TROBE FINANCIAL
La Trobe Financial is a leading
Credit Specialist. Since 1952,
we have been a proven and
trusted investment partner
for institutional and retail
investors alike, managing
investment mandates in
excess of A$10 billion.
La Trobe Financial offers a
range of investment accounts
that may suit investors seeking
capital stability and reliable
income. Join 14,000 other
investors in Australia’s largest
and award winning Credit Fund.
COMPETITIVE INVESTMENTSThe objective of our retail Credit Fund offering has long been to provide investors with a choice of capital-stable and reliable income generating investments. The Credit Fund’s continued positive performance in times of volatility continues to attract investor attention across the market.
from
6.00%p.a.^
3.20%p.a.^
5.20%p.a.^
5.33%annualised compounding interest rate
02/0
9/20
16
12 MONTH TERM*
Select Investment Account
PEER-TO-PEER SELECT*
High Yield Investment Account
VARIABLE
VARIABLE
FIXED & VARIABLE
7.00%p.a.^
VARIABLE
12 Month Term Account
3.25%annualised compounding interest rate
48 HOUR NOTICE*
Classic 48 hour Account
from
THE LA TROBE FINANCIAL DIFFERENCEThe Credit Fund’s success is due to our disciplined investment philosophy, shaped over 60 years of asset class experience. Our rigorous credit assessment process targets a portfolio of small exposures, highly diversified by geography and sector and with strictly controlled loan to value ratios.
Our role as a Fund Manager is to be clearly focused and deliver with distinction. Our team is driven by the need for consistency and repeatability of performance. Investors are looking for capital stability and reliable income at a premium to cash.
AWARDS AND RATINGSLa Trobe Financial’s retail investment offering has a multi award winning and independently rated investment option for individual investors. The Credit Fund has been judged “Best of the Best” in Australia by Money magazine for the past seven years for our 12 Month Term Account. The Credit Fund has also won ‘Best Mortgage Fund Asia Pacific’ – 4 years running from the International Alternative Investment Review (IAIR) global awards.
Investment Performance^June
2016 rate % p.a.
Historical Performance (30-June-16)^
6 months % p.a. 1 year % p.a. 2 years % p.a. 3 years % p.a. 5 years % p.a.
1. Classic 48 hour Account^ 3.25 3.22 3.30 3.63 3.86 4.56
2. 12 Month Term Account^ 5.33 5.26 5.36 5.66 5.89 6.52
3. Select Investment Account^ 7.99 7.81 7.99 8.10 8.23 8.66
4. High Yield Investment Account^ 11.75 11.68 11.75 11.32 11.28 11.47
Investment Return Benchmark (Bloomberg AusBond BBI)^ 2.24 2.27 2.24 2.43 2.50 3.09
Notes: Returns are calculated after fees and expenses. The historical performance of the High Yield Investment Account is based on 2nd mortgages made by the Fund over the past five years. These rates represent the average rates payable on the mortgage portfolio of each Account and may not be indicative of the returns on the investment selections of individual investors. ^ Past performance is not a reliable indicator of future performance. The rates of return from the Fund are not guaranteed and are determined by future revenue of the Fund and may be lower than expected. Investors risk losing some or all of their principal investment. Investment Performance and Investment Return Benchmark in the table are compound returns. The investment is not a bank deposit. * The Classic 48 hour Account requires 2 business days notice for a withdrawal request. Withdrawal rights are subject to liquidity and may be delayed or suspended. La Trobe Financial Asset Management Limited ABN 27 007 332 363 & AFS Licence No. 222213 is the issuer and manager of the La Trobe Australian Credit Fund ARSN 088 178 321. It is important for you to read the Product Disclosure Statement for the Fund before you make an investment decision. You can get a copy of the PDS from our website at www.latrobefinancial.com or by calling 1800 818 818. You should consider carefully whether or not investing in the Fund is appropriate for you.
WINNER 2011VICTORIAN INNOVATIONIN FUNDS MANAGEMENT AWARD
MELBOURNE FINANCIAL SERVICES SYMPOSIUM
1 23
4
BEST INVESTMENT MANAGEMENT COMPANY - AUSTRALIA
AWARDS2015
IFMBEST MORTGAGE FUND
AUSTRALASIA
AWARDS2015
IFM
3 REASONS TO INVEST WITH LA TROBE FINANCIAL1. Experience and size – managing funds
for over 60 years, 173 staff and over $1 billion in the Credit Fund.
2. Stability – our aim is for reliable, monthly income, with capital stability, audited by KPMG and externally rated.
3. Performance – proven performance in every economic cycle with a track record second to none, receiving Australian and International Awards.
KEY FEATURES• Mortgage to Cash Ratio 96:4
• Returns paid monthly or quarterly to nominated investor accounts
• Established Manager with over 60 years proven track record
• Direct banking of income and withdrawals*
• No entry fee
• Minimum investment $1,000
• Average Fund Loan-to-Valuation Ratio 62.8%
• Funds Under Management of $1.14 billion
• Average Investment size $525,870
OBJECTIVES• a stable investment that generates income
• portfolio diversification
2013, 2014 , 2015 & 2016
1. The Zenith Investment Partners (“Zenith”) ABN 60 332 047 314 rating referred to in this document is limited to “General Advice” (as defined by section 766B of Corporations Act 2001) and based solely on the assessment of the investment merits of the financial product on this basis. It is not a specific recommendation to purchase, sell or hold the relevant product(s), and Zenith advises that individual investors should seek their own independent financial advice before investing in this product. To view the relevant research information, please visit www.latrobefinancial.com.au The rating is subject to change without notice and Zenith has no obligation to update this document following publication. Zenith usually receives a fee for rating the fund manager and product against accepted criteria considered comprehensive and objective. Zenith’s “recommended” rating indicates that it has high confidence in the manager meeting its objectives. 2. SQM Research – 4 stars to 4.25 stars – superior, suitable for inclusion on most Approved Product Lists. To view the relevant research information, please visit www.latrobefinancial.com.au This rating will not take into account your, or your clients; objectives, financial situation or needs. It is up to investors to consider whether specific financial products are suitable for your objectives, financial situation or needs. SQM Research receive a fee from La Trobe Financial for rating the product. 3. Lipper Leader ratings are not intended to predict future results and does not guarantee the accuracy of this information. More information is available at www.lipperweb.com. Thomson Reuters Copyright, All Rights Reserved. Total Return (Score – 5) Lipper Ratings for Total Return reflect funds’ historical return performance relative to peers. The ratings are subject to change every month. The highest 20% of funds in each peer group are named Lipper Leader or a score of 5 for Total Return. 4. Australia Ratings (AFSL 346138) makes every effort to ensure the reliability of the views and rankings expressed in its reports and those published on its websites. Australia Ratings research is based upon information known to it or which was obtained from sources it believed to be reliable and accurate at time of publication. However, like the markets, it is not perfect. This report is prepared for general information only, and as such, the specific needs, investment objectives or financial situation of any particular user have not been taken into consideration. Individuals should therefore discuss, with their financial planner or advisor, the merits of each rating for their own specific circumstances and realise that not all investments will be appropriate for all subscribers. To the extent permitted by law, Australia Ratings and its employees, agents and authourised representatives exclude all liability for any loss or damage (including indirect, special or consequential loss or damage) arising from the use of, or reliance on, any information within the report whether or not caused by any negligent act or omission. If the law prohibits the exclusion of such liability, Australia Ratings hereby limits its liability, to the extent permitted by law, to the resupply of the said information or the cost of the said resupply. Research houses receive a fee from La Trobe Financial for rating the product. * To view our awards & ratings reports visit our Awards & Ratings page on our website latrobefinancial.com Any rating is only one factor to be taken into account in deciding to invest.
Cheree CainHead of Investor Operations
Chris AndrewsVice PresidentChief Investment Officer
Martin BarryVice President Chief Wealth Management Officer
Ryan HarknessVice President Deputy CIO & Head of DCM
Jason GidmanHead of Fund Portfolio Management
Daryl HillVice President Head of Major Clients
Alex-Rory TeahenWealth Team Account Manager
Peter PrommWealth Team Account Manager
Michael FardoulisSenior Manager Client Partnerships
Peter PolemikosSenior Manager Client Partnerships
Helmuth EwingerSenior Manager Client Partnerships
Andrew EvansSenior Manager Client Partnerships
Call the Investment Team Now – 13 80 10
Shaun PurcellSenior Manager Client Partnerships
Megan PfabSenior Manager Client Partnerships
Michael WatsonSenior Manager Client Partnerships
Jo NiSenior Manager Client Partnerships
Tony OakleyHicks Oakley Chessell Williams, 1 Ricketts Rd, Mount Waverley VIC 3149
Telephone 03 9550 4600Email [email protected] Trobe Email [email protected]
Tony Oakley is an Authorised Representative of La Trobe Financial Asset Management Limited ABN 27 007 332 363 & AFS Licence No. 222213 (La Trobe Financial). La Trobe Financial is the issuer and manager of the La Trobe Australian Credit Fund. NO FINANCIAL PRODUCT ADVICE is given by La Trobe Financial or its Authorised Representatives.
