How smart investments support your golf lifestyle – keeping your head in the game, while your money works for you
In golf, success comes down to strategy, consistency and incremental improvements that compound your results over time. The same can be said for investing, especially when it comes to generating reliable income that has your money working for you, even when you’re spending a day on the fairways.
If you’re the kind of player who loves spending a few solid hours on the golf course without stressing about market swings or economic chatter, then it’s time to think about how your finances can support your lifestyle – not distract from it. For Australians looking to put their money to work without taking on the potential volatility and risk of the stock market, TermPlus offers a compelling solution. It’s a fixed-term, high-yield investment account giving everyday investors access to the world of global private credit – the fastest-growing asset class during the past 15 years, teeing up attractive and reliable returns for institutional investors, but until recently, was out of reach for most individuals.
Unlike other term accounts in market, TermPlus delivers income through a portfolio of more than 3,000 private loans to billion-dollar, mid-market businesses predominantly across the US and Europe. These companies operate in steady, non-cyclical industries – so your returns don’t ride the same highs and lows that make the stock market feel like a windy back nine.
TermPlus is a fundamentally different investment product, powered by ASX-listed Pengana Capital Group in association with global investment leader Mercer. The platform was designed from the ground up to offer institutional-grade returns through a simple and accessible online experience. Investors can choose one, two or five-year terms, and have consistently received targeted monthly income based on the RBA Cash Rate plus an additional 3 percent to 4.15 percent per annum depending on the term selected. There’s no need to watch the markets between shots – just log in, set your term and let your savings do the heavy lifting.
Monthly income can be paid directly into a nominated bank account – ideal for offsetting your club fees, funding that long-awaited golf getaway, or reinvested for compounding growth.
What further sets TermPlus apart are the built-in layers of protection (just like having a solid short game). All accounts are underpinned by a unique Support Account, a co-investment made alongside customers to provide an additional pool of capital that delivers added reliability of income and stability of capital – even in choppy conditions.
If you’re a golfer who values smart plays, compounding improvements, and steady rewards, TermPlus is an investment approach that mirrors the best parts of your game. Whether it’s maintaining lifestyle freedom, planning your next bucket-list round at Barnbougle or St Andrews, or simply ensuring your savings are working as hard as you do while you’re on the course, TermPlus lets you stay focused on the swing, not the spreadsheets.
Find out more or get started at termplus.com.au – because life’s better when you’re hitting greens and your money’s making par and then some.
Pengana Capital Limited (Pengana) (ABN 30 103 800 568, AFSL 226 566) is the issuer of units (Term Accounts) in TermPlus (ARSN 668 902 323). Any advice provided is general in nature and does not take into account your particular objectives, financial situation or needs. You should consider the PDS and TMD before investing in TermPlus.
Any reference to a target rate is a reference to the investment objective for the relevant account option in TermPlus, which may vary during the term. Importantly, target rates are not guaranteed, and any investment is subject to investment risks. Any forecasted returns may not reflect actual performance and past performance is not a reliable indicator of future performance.
Pengana is not a bank and is not regulated by the Australian Prudential Regulation Authority. Investing in TermPlus is not the same as depositing money with a bank. For further details, please see the Important Information page on our website.
Mercer Consulting (Australia) Pty Limited (ABN 55 153 168 140, AFSL 411 770), which is a wholly owned subsidiary of Mercer (Australia) Pty Ltd (ABN 32 005 315 917) (Mercer Australia) collectively referred to as Mercer. References to Mercer shall be construed to include Mercer LLC and/or its associated companies. ‘MERCER’ is a registered trademark of Mercer Australia.
