As featured in The Senior. View the original article here.
Rising living costs have made it harder for retirees to maintain their lifestyle and preserve the real value of their savings.
Groceries, fuel and everyday essentials seem to cost more each year, and traditional income strategies may often struggle to keep up.
Retirement should be a time to enjoy the rewards of your hard work, not to worry about how far your savings will stretch.
That’s why many retirees are now looking for practical ways to earn reliable income while keeping their money working for them.
For those wanting to earn more from their savings without taking on the daily ups and downs of the share market, TermPlus offers a modern alternative.
Created to make institutional-grade global private credit accessible to everyday investors, TermPlus was built with retirees in mind who want predictable monthly income, professional management and an easy-to-use dashboard.
A new way to earn a reliable monthly income
TermPlus is an online fixed-term account platform that delivers attractive monthly income from global private credit.
“TermPlus was created with the aim of helping investors earn an attractive and reliable monthly income without the volatility of the stock market,” TermPlus managing executive Dean Weinbren said.
“It allows you to allocate some of your savings to a professionally managed, globally diversified portfolio of private credit investments. The aim is simple, to provide diversified and differentiated attractive monthly income that moves in line with the RBA Cash Rate.”
How it works
TermPlus offers a choice of one, two and five-year term accounts, each with a target rate linked to the RBA Cash Rate plus a fixed margin. Because the rate moves with changes to the official cash rate, your income aims to stay aligned with the broader interest rate environment.
Each term account includes three layers of protection designed to help keep income steady and support your savings through changing market conditions.
You can choose to have your income paid monthly into your bank account or reinvest it for compounding growth.
Built for a range of account types
TermPlus was designed for those who want a reliable monthly income without needing to manage complex investments. Whether personal accounts, joint accounts, companies, trusts and self-managed super funds.
“Many retirees are comfortable saving but hesitant to invest because they associate investing with stock market volatility and risk,” Dean said.
“TermPlus bridges that gap. Instead of having to pick shares or manage portfolios, retirees can open a fixed-term account, knowing their funds are managed by experienced professionals across a highly diversified global private credit portfolio.”
Where your money goes
When you open a term account, your funds are pooled with other investors and allocated across a diversified portfolio of more than 3,500 global private credit loans, primarily to mid-sized corporations in the US and Europe.
This diversification helps reduce exposure to any single borrower or sector, supporting smoother income outcomes over time.
Experienced providers
TermPlus is powered by ASX-listed Pengana Capital Group, which has more than 22 years of experience in managing investments on behalf of Australian investors, and developed in association with Mercer, one of the world’s leading investment consultants.
Together, they combine professional oversight, research and governance to deliver a platform designed to drive better returns from your savings.
This is sponsored content for TermPlus.
This information is of a general nature only and should not be regarded as specific to any particular situation. Readers are encouraged to seek appropriate professional advice based on their personal circumstances.
