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WANT YOUR MONEY WORKING HARDER FOR YOU?

Fund Your Retirement Lifestyle with Reliable Target Rates from: 7.35%* p.a.

Use code: EOFY26 - Get a $200 top-up* when you open an account with $20,000+ before 30 June.

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As Featured In:

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Finder People's Choice Award 2025

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Bond Adviser Approved

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FinTech & Banking Awards Finalist 2025

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Australian Wealth Management Awards Finalist 2025

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Finnies Award Finalist 2026

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Powered by Pengana Capital Group in association with Mercer

Reliable Monthly Income from Your Savings in 3 Easy Steps

1

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Open Your TermPlus Account

Click to select a 1, 2 or 5 year term. Set your deposit amount, then complete your secure identity verification.

This is all you need to open your account.

The whole process takes as little as 3 minutes.

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2

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Start Earning With Target Rates From 7.35%* p.a.

Your funds are allocated to our globally diversified private credit master portfolio. This is managed by Pengana Capital Group and Mercer.

With no setup fees, transaction fees or monthly account fees - watch your money grow.

1

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2

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3

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3

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Get Paid Your Way - Every Month

Choose how you’d like to receive your returns. Get monthly income deposited into your bank account, or reinvest it to compound your wealth.

You can track your progress through your personal investor dashboard anytime.

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Open Your TermPlus Account

Click to select a 1, 2 or 5 year term. Set your deposit amount, then complete your secure identity verification.

This is all you need to open your account.


The whole process takes as little as 3 minutes.

money_start_image

Start Earning With Target Rates From 7.35%* p.a.

Your funds are allocated to our globally diversified private credit master portfolio. This is managed by Pengana Capital Group in association with Mercer.

With no setup fees or monthly account fees - watch your money grow.

paid_ways_image

Get Paid Your Way - Every Month

Choose how you’d like to receive your returns. Get monthly income deposited into your bank account, or reinvest it to compound your wealth.

You can track your progress through your personal investor dashboard anytime.

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4.9 Stars

Watch: TermPlus CEO Nehemiah Richardson Talks TermPlus For Attractive And Reliable Returns on The Morning Show

Trusted By Smart

Retirees Across Australia

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Very easy process to set up, good communication and client service team members I have dealt with have been excellent.

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Damian E

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After having invested my money in TermPlus and getting the interest regularly every month, I am most happy with my investment.

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Seow A

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Clear and timely communication, easy to access and check deposit. Good and reliable interest rate so far.

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Judy E

Open Your Account in as Quick as 3 Minutes

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Start Earning Better Income With TermPlus.

TermPlus’ Term Accounts are designed to make your savings work harder for you, so you can stay ahead.

TermPlus is not a bank. Our Term Accounts are high-yield fixed-term investment accounts that target returns from 7.35%* p.a. through unparalleled access to global private credit markets.

 

Choose between receiving monthly income payments directly to your bank account, or reinvest your monthly income to compound your returns.

Term Lengths & Target Rates

Target Rates are set as a fixed margin above the RBA Cash Rate, which is variable over the course of the Term.

Target Rates From 7.35%* p.a.

Monthly Income Or Compound Growth

Quick and Easy Online Application

Open a Personal, Joint, Company, Trust, SMSF or Child Account

Start Earning With Balances From $2,000

$0 Setup Fees or Monthly Account Fees

Have questions? Need support?

Reach out to us today with any questions or enquires you may have about our Term Accounts.

Phone Icon1300 883 881

Disclaimer:

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. 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.

* Must use Referral Code:EOFY26 Minimum investment to be eligible for the bonus is $20,000. Offer expires 30 June 2026. The bonus is generally paid into your TermPlus account within 10 business days of your term start date. Referral code must be added when setting up your Term Account in the application process. The bonus pool available for the offer is capped at $1 million and is intended to run for a limited time. Once the limit of $1 million is reached no further offers of the bonus allocation are available. Investors should seek their own taxation advice in regard to the bonus allocation.

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