La Trobe Financial Strategies for Long-Term Wealth Growth

La Trobe Financial offers a range of strategies for long-term wealth growth, including the use of SMSF loans to leverage investment potential.

By borrowing against your superannuation fund, you can potentially increase your investment returns and achieve your long-term financial goals.

La Trobe Financial's SMSF loan solutions can help you unlock the value of your existing superannuation assets, allowing you to invest in a broader range of assets and diversify your portfolio.

One key benefit of using SMSF loans is that you can borrow up to 70% of your superannuation fund's value, providing a significant boost to your investment potential.

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La Trobe Financial offers a range of products and services to cater to various financial needs.

Their diversified product offerings include residential loans, customized for different life stages and financial goals. These loans are designed to help borrowers achieve their financial objectives.

Commercial loans are also available, tailored for PAYG and self-employed borrowers. They address needs such as property purchase, refinance, or equity access.

La Trobe Financial's investment accounts include the La Trobe Australian Credit Fund, which offers investors various return and liquidity profiles. This fund is designed to provide investors with stable and attractive returns.

Insurance services are also provided by La Trobe Financial, protecting borrowers and investors against unforeseen circumstances. This adds an extra layer of security to their financial planning.

Asset management is another key service offered by La Trobe Financial. As Australia's leading alternative asset manager, they oversee $18 billion in assets.

Their savings accounts and term deposits are designed to meet the needs of conservative investors seeking low-risk investment avenues.

Here are some key features of La Trobe Financial's products:

This product is verified by SMSF Mates and offers a range of benefits to investors.

La Trobe Financial's performance is impressive, with its 12 Month Term Account returning 0.56% in the last month and 1.69% over the previous three months.

The fund has consistently delivered strong results, with a 12-month excess return of 1.06% compared to the Fixed Income - Mortgages Index. This is a testament to the company's conservative asset underwriting and 80% LVR maxima.

Here's a snapshot of the fund's performance over the past few years:

The fund's low-volatility returns and consistent performance have earned it a 'Recommended' rating from a ratings agency.

La Trobe Financial performs in line with the broader market peers and its average per-loan loss experience is less than its peer group. This is a result of their conservative asset underwriting and 80% LVR maxima.

Their diversified product offerings cater to various financial goals and needs, including residential loans, commercial loans, investment accounts, insurance services, asset management, and savings accounts and term deposits.

La Trobe Financial oversees $18 billion in assets, showcasing its expertise in generating stable and attractive returns for investors. This is a testament to their asset management capabilities.

Here are some key statistics on the La Trobe Financial 12 Month Term Account:

The La Trobe Financial 12 Month Term Account has a 12-month excess return when compared to the Fixed Income - Mortgages Index of 1.06% and 2.3% since inception. This indicates strong performance in the fixed income space.

The La Trobe Financial 12 Month Term Account has returned 0.56% in the last month, which is a relatively stable performance considering the current market conditions. This account has been around for a while, and since inception, it has averaged an annual return of 6.45%.

The account's performance has been consistent over the past three years, with an average annual return of 5.65%. This stability is reflected in its low standard deviation, which is 0.34% since inception. The account's maximum drawdown since inception is 0%, indicating that it has performed well even during periods of market volatility.

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Here's a breakdown of the account's performance metrics:

The account's low volatility and stable returns make it an attractive option for investors seeking a low-risk investment.

La Trobe Financial offers a range of investment options, including the La Trobe Australian Credit Fund, which provides various return and liquidity profiles.

The risk associated with these investments can be measured in different ways, including the Sharpe ratio and annualised volatility. The Sharpe ratio for La Trobe Financial's 12 Month Term Account is NA, and the annualised volatility is 0.34%.

To put this into perspective, the maximum drawdown of the investment product in the last 12 months is 0%, and it's the same since inception. This suggests that the investment has been relatively stable.

La Trobe Financial also offers a range of risk management services, including insurance, to protect borrowers and investors against unforeseen circumstances.

Here are some key risk metrics for La Trobe Financial's investment products:

Overall, La Trobe Financial's investment products appear to be relatively low-risk, making them a good option for conservative investors.

La Trobe Financial has been around since 1952 and has a long history of successfully operating institutional investment mandates.

The company has managed to invest and manage over $36 billion on behalf of institutional and retail investors since its inception.

La Trobe Financial was appointed by the Australian Securities and Investments Commission (ASIC) to take over another national operator in 2001.

In 2022, La Trobe Financial reached a significant milestone with $20 billion in assets under management (AUM).

This achievement is a testament to the trust investors place in the company, according to CEO Chris Andrews.

La Trobe Financial has also been recognized as a Top Mortgage Employer by Mortgage Professional Australia in 2023.

The company has over 100,000 investors, including some of the world's largest financial institutions and 3,200 supporting financial advisers.

La Trobe Financial's Credit Fund has over $6.1 billion of retail investments as of 30 June 2021.

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La Trobe Financial remains a 100% privately owned company, with 80% ownership by funds managed by Blackstone Group NYC, a company with a massive $731 billion in assets under management.

This strategic partnership was announced in December 2017 and has provided La Trobe Financial with a strong financial backing.

The company is overseen and governed by a majority independent board of directors, who meet formally each quarter to review business activities.

La Trobe Financial has a diversified real estate credit lending program, with a total of A$3.6 billion in term debt facilities from local and international financiers.

The company's funding strategy also includes a A$7.4 billion Credit Fund, which features multiple investment account options, including a 48-hour cash management account and a 12 Month Term Account.

La Trobe Financial's Credit Fund is independently rated, and the company has a complementary A$3.8 billion publicly rated capital markets programme issuing Residential Mortgage Backed Securities (RMBS) globally.

This funding strategy allows La Trobe Financial to access debt capital markets and broaden its funding capabilities, with an RMBS programme as one component of its overall A$6 billion annual new term debt funding program.

Here are the different investment account options available in the Credit Fund:

La Trobe Financial has a strategic partnership with Blackstone Group NYC, with funds managed by the latter owning 80% of the company's operations.

The partnership with Blackstone Group NYC brings significant resources to the table, with the company having a staggering US$731 billion in assets under management.

La Trobe Financial remains a privately owned company, with two shareholders holding 80% and 20% stakes respectively.

The company is overseen by a majority independent board of directors, who meet formally each quarter to review business activities.

These independent directors have delegated specific operational authority to various committees, which set policy for management.

La Trobe Financial is a leading Australian financial services company with over 60 years of experience.

The company was founded in 1952 by Dr. Colin Scougall.

La Trobe Financial offers a range of financial products and services, including mortgages, investments, and insurance.

Their mortgage products cater to both homebuyers and investors, with features such as fixed interest rates and redraw facilities.

La Trobe Financial has a strong focus on customer service, with a dedicated team available to assist with queries and concerns.

The company has a network of branches and partners across Australia, making it easy to access their services.

La Trobe Financial has a long history of innovation, introducing new financial products and services to the market.

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