Benefits of investing in the La Trobe Classic 48 hour Account

• Capital stability

• Strong and consistent returns with low volatility

• Return outperformance relative to risk, peers and benchmark

• Exposure to strong underlying asset class

• Superior portfolio diversification

• Flawless liquidity and capital return history

This product offers investors:

1. Consistent returns at a premium to comparable investments
2. Capital stability
3. Exposure to the property credit asset class

About the Fund

The Classic 48 hour Account invests in mortgage assets, Australian cash and other credit instruments.

It offers competitive variable rates of return, monthly interest payments and access to your funds generally within 2 business days of written withdrawal notice.

The Classic 48 hour Account offers you a variable rate of return from investment in a range of Australian dollar assets. Returns from the Classic 48 hour Account are variable, are calculated on daily balances invested by you and are paid monthly as directed by you.

The rates of return are not guaranteed and are determined by future revenue of the pool of assets that make up the Classic 48 hour Account and may be lower than expected. The rate of return is set at the end of each month.

Investment objective and strategy

The Classic 48 hour Account aims to provide Investors with a reasonably stable and predictable income based on a monthly variable rate of return, investing in loans secured by mortgages including, in some cases, aged care and reverse mortgage loans, cash, term deposits, bonds issued by a State or Federal Government or an Australian financial institution, negotiable certificates of deposit and bank bills, retaining a higher cash allocation than other Accounts in the Fund.

You can use the Classic 48 hour Account either as a place to invest any available cash or as a holding account for your money while you decide in which of the Fund's other Investment Accounts you would like to invest.

Significant features

• all funds invested in cash or loans secured by first mortgages in Australia

• 12 month term investment

• no entry or exit fees (if investment held to maturity)

• personal service from our investment specialists

• the security of a manager with over 65 years' experience

• minimum investment $10

How we invest your money

To optimise performance in a range of market conditions, the Fund's portfolio is diversified at a number of levels, including:

• number of loans;

• size of loans;

• loan sector e.g. residential, commercial etc;

• geographic location; and

• interest rate type and level.

Investors in the Classic 48 hour Account and 12 Month Term Account automatically receive the benefits of this diversification program. Their portfolios are also significantly assisted by the Fund's co-investment model', which means that loans can be funded by more than one of the Fund's Investment Accounts. This decreases the average size of each Account's investment and increases the total number of investments in each Account. The composition of the portfolios in each Account is published monthly at latrobefinancial.com.

Asset allocation

The Classic 48 hour Account may invest in a range of asset types - cash, term deposits, bank bills, bonds issued by a State or Federal Government or an Australian financial institution, negotiable certificates of deposit and loans secured by a mortgage. We manage the asset allocation to maximise returns to Investors in the Classic 48 hour Account, while minimising the risk exposure of its portfolio and maintaining appropriate cash levels for the Account.