Are your hard-earned savings working hard enough for you? More than ever, Australians need their money to work harder.
With rising living costs and inflation eating into household finances, many Australians are struggling to find investment options that allow their savings to grow at a rate that keeps pace with inflation, without taking on unnecessary risk.
Purchasing power for Australian households has fallen back to 2017 levels, shining a light on just how important it is for Aussies to ensure they are getting the best return on their savings.
In addition to rising living costs, Australian investors face five key challenges:
- Working hard to accumulate savings.
- Savings accounts that either barely keep up with inflation or have complex conditions to access the best rates.
- Mainstream savings accounts lowering interest rates in anticipation of RBA interest rate cuts.
- Stock market investments and other options that are volatile and risk short-term losses.
- Difficulty in finding the right balance between risk and return.
The vast number of investment options available in the market can be overwhelming, causing information overload and ‘analysis paralysis’, resulting in many everyday Australians not actually taking any proactive steps to put their hard-earned savings to work. Most investors simply want the peace of mind that they’re making smart choices without taking excessive risks.
The good news is that there’s now a new way to put your savings to work, without the stress of navigating volatile equity markets or sorting through endless investment options. Now is the perfect time for a new approach that helps everyday Australians to confidently put their savings to work.
The TermPlus Online Term Account
Starting with a minimum investment of as low as $2,000, TermPlus online term accounts are 100% Australian-owned and operated, designed to help everyday Australians confidently put their savings to work by offering better target rates for monthly income payments, at least 3% above the RBA cash rate1.
Account holders can choose to receive monthly income payments directly into their nominated bank account or reinvest them for compounding returns over the life of the account.
Why Is TermPlus Different?
TermPlus is not a bank. It is an innovative platform created by funds management industry leader Pengana Capital Group, in partnership with global investment powerhouse Mercer. It’s designed to make your money work harder without the complexity of managing investment portfolios.
With an easy-to-use, single access point and fully digital onboarding process, TermPlus offers a seamless way to earn better returns on your savings.
8 Key Benefits of TermPlus
TermPlus returns are delivered via exclusive access to the Pengana Global Private Credit Master Trust, a portfolio constructed in consultation with Mercer, of over 2,000 individually negotiated loans to global middle-market companies earning between US$50 million and US$250 million annually.
TermPlus target rates are fixed above the RBA cash rate, ensuring your returns remain competitive and adapting to economic changes to protect your purchasing power. The longer the term, the higher the rate above the cash rate. Target Rates are based on the RBA Official Cash Rate plus a fixed spread (the ‘Added Rate’), expressed on an annualised basis.
Your TermPlus account includes 3 distinct built-in layers of account protection to enhance capital stability and income reliability.
The built-in layers of protection on TermPlus Accounts are supported by our company’s own investment in the TermPlus Support Account. This Support Account invests alongside regular account holders who have priority access to Support Account capital and income, providing extra stability of capital and reliability of income for TermPlus customers.
You can choose to receive your income payments directly into your bank account or reinvest them into your TermPlus account for compounding returns.
With an easy sign-up process and user-friendly digital dashboard, TermPlus makes it simple to manage your account, track earnings, and adjust preferences.
TermPlus is supported by Pengana Capital Group and benefits from global investment expertise provided by Mercer, ensuring stability and credibility in achieving your financial goals.
TermPlus is 100% Australian owned and operated.
What TermPlus Customers Are Saying
“At last, there’s an option that makes me feel sure about how I handle my extra savings on behalf of my kids.”
Candy W, 41 (NSW)
“Moving into retirement, I have a more predictable stream of monthly income that I can rely on.”
Jeff F, 72 (NSW)
Take Control of Your Financial Future
Everyday Australians are looking for smart, informed ways to make their money work harder. TermPlus understands this need and offers a solution that simplifies the process, cutting through the noise and complexity.
The TermPlus Online Term Account is more than just a fixed-term product; it’s a powerful tool that helps you confidently grow your savings. Designed for those ready to take control of their financial future, TermPlus ensures your money works just as hard as you do.
Sign up for a TermPlus Online Term Account and get started with just $2,000. Earn competitive target returns that outpace inflation and enjoy flexible monthly income options. Take control of your financial future now – open an account today and watch your money, making money!
Need to Know More?
Click here to contact our client service or simply call 1300 883 881 for assistance.
