WANT YOUR MONEY WORKING HARDER FOR YOU?
Turn Your Idle Savings Into Monthly Income With Target Rates From 7.10% p.a. With One Simple Account
$100 Welcome Bonus For New Accounts
As Featured In:
Finder 2024 Innovation Finalist
20+ Years of Experience
Powered by Pengana Group in association with Mercer Australia.
3-Layer Protection System
Finder 2024 Innovation Finalist
20+ Years of Experience
Powered by Pengana Group in association with Mercer Australia.
3-Layer Protection System
Stop Settling For Low Returns.
Start Earning Better Income With TermPlus.
TermPlus’ Term Accounts are designed to make your savings work harder for you so you can stay ahead.
Our Term Accounts are high yield fixed-term investment accounts that target returns from 7.10% 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 wealth.
1 Year Account
%
p.a.*
RBA Cash Rate + 3%
2 Year Account
%
p.a.*
RBA Cash Rate + 3.65%
5 Year Account
%
p.a.*
RBA Cash Rate + 4.15%
Target Rates are set as a fixed margin above the RBA Cash Rate, which is variable over the course of the Term.
$100 Welcome Bonus For New Accounts *
Target Rates From 7.10% p.a.
Monthly Income Or Compound Growth
Triple-Layer Protection System
Start earning with balances from $2,000
$0 Setup Fees or Monthly Account Fees
April Special: Up To $100 Welcome Bonus *
$100 Welcome Bonus For New Accounts *
4.8 Stars
Trusted By Smart
Investors Across Australia
Very easy process to set up, good communication and client service team members I have dealt with have been excellent.
Damian P
After having invested my money in TermPlus and getting the interest regularly every month, I am most happy with my investment.
Seow A
Clear and timely communication, easy to access and check deposit. Good and reliable interest rate so far.
Judy E
Open Your Account In as quick as 3 Minutes
TermPlus Is A Simple Way To Generate Monthly Income & Make Your Savings Work Harder
Impressive Target Rates From 7.10% p.a.
While once reserved for institutional investors, TermPlus is now offering term accounts with target rates from 7.10% p.a. for all Australians.
TermPlus is brought to you by Pengana Capital Group, a trusted funds management leader, with over $3.4bn in funds under management.
Enjoy competitive monthly income and get more from your savings.
Income Paid Monthly Or Compound It Through Re-Investment
Choose how you want your wealth to grow with TermPlus.
Enjoy a regular boost to your monthly income paid straight into your bank account. Or re-invest your monthly income payments to compound your returns and accelerate your wealth long-term.
Whichever you choose, our Term Accounts are built to make your money work smarter for you.
Simple Setup, Easy To Use & A $100 Welcome Bonus
Our Term Accounts are backed by a 3-layer protection system to support consistent monthly payments, and stability of capital. Open your account in minutes and choose your term.
Then relax and enjoy your $100 bonus (be sure to use referral code "Income2025 during sign up) and monthly returns with zero setup fees or monthly account fees.
We’ll keep you updated on your monthly payments so you’re always in the loop.
$100 Welcome Bonus For New Accounts
7 Reasons Why Savvy Australians Are Choosing A TermPlus Term Account To Grow Their Wealth
Target Rates From 7.10% p.a. On Your Saving
Unlock higher and more consistent returns that are designed to beat inflation.
3-Layer Protection For Every TermPlus Account
Customers benefit from our first-in-market Support Account. A co-investment that provides an extra pool of capital and returns to underpin monthly payments as well as customer savings.
Open Your Account Online In Minutes
No confusing paperwork or long delays. Choose your term, set up your profile, fund your account, and start earning.
Track Your Progress With A Simple Dashboard
Get monthly income updates and manage your account from anywhere, anytime. It's that easy.
Presented By Trusted Institutions
Your money is powered by Pengana
Capital Group and Mercer. Trust your
wealth with established financial
institutions with a strong track record.
$0 Setup Fees & No Monthly Fees
All management fees are already factored into our target rates. No unexpected setup fees. No monthly account fees.
Access Global Private Credit Opportunities
Benefit from a diversified portfolio that's usually reserved for institutional investors. Take advantage of this exclusive access for everyday Australians.
$100 Welcome Bonus For New Accounts *
4.8 Stars
Trusted By Savvy Australians
To Build Their Wealth
I put some of my savings into TermPlus and could not be happier...I would recommend it to anyone looking for a dependable, low-maintenance investment option.
Candy W, 41 (NSW)
The fixed spread above the cash rate is a great feature for me in retirement because it gives me comfort knowing that there is a predictable and reliable level at which my income payments will be bench-marked.
Nick F, 76 (NSW)
Very happy with experience to date.
Peter N
How To Start Earning More From Your Savings In 3 Easy Steps
1
Open Your TermPlus Account And Get Your $100 Sign-Up Bonus
Click to select a 1, 2 or 5 year term. Set your deposit amount and add Referral Code: Income2025
Then complete your secure identity verification.
This is all you need to open your account and receive your sign-up bonus of up to $100 *
The whole process takes as little as 3 minutes.
2
Start Earning With Target Rates From 7.10% 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.
3
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.
1
2
3
Open Your TermPlus Account And Get Your $100 Sign-Up Bonus
Click to select a 1, 2 or 5 year term. Set your deposit amount and add Referral Code: Income2025
Then complete your secure identity verification.
This is all you need to open your account and receive your sign-up bonus of up to $100 *
The whole process takes as little as 3 minutes.
Start Earning With Target Rates From 7.10% 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.
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.
$100 Welcome Bonus For New Accounts *
Why Smart Australian Investors Are Choosing TermPlus
1. Higher Target Rates for Real Growth
TermPlus offers target rates starting from 7.10% p.a. It’s designed for investors who want to put their savings to work, and outpace inflation with real growth. You can use your term account to generate steady monthly income, or re-invest and compound your income payments.
2. Easy Online Setup in Minutes
Forget the hassle of endless paperwork and confusing forms. At TermPlus, you can open your account online in as little as 3 minutes. The experience is seamless, fast, and stress-free. From setting your account up to tracking your earnings.
3. Professionally Constructed Investments for Extra Security
Unlike many investment options, TermPlus supports your earnings, with our own co-investment into a Support Account. That’s how we deliver a 3-layer protection system on your income and capital. We're also powered by ASX-listed Pengana Capital Group, in association with investment leader Mercer. All with the aim of providing access to competitive returns consistently.
4. Access to Exclusive Global Opportunities
TermPlus gives you access to a highly diversified, professionally constructed, global private credit portfolio. This kind of access is usually reserved for large institutional investors. Now, everyday Australians can enjoy these same opportunities to grow their wealth.
1. Higher Target Rates for Real Growth
TermPlus offers target rates starting from 7.10% p.a. It’s designed for investors who want to put their savings to work, and outpace inflation with real growth. You can use your term account to generate steady monthly income, or re-invest and compound your income payments.
2. Easy Online Setup in Minutes
Forget the hassle of endless paperwork and confusing forms. At TermPlus, you can open your account online in as little as 3 minutes. The experience is seamless, fast, and stress-free. From setting your account up to tracking your earnings.
3. Professionally Constructed Investments for Extra Security
Unlike many investment options, TermPlus supports your earnings, with our own co-investment into a Support Account. That’s how we deliver a 3-layer protection system on your income and capital. We're also powered by ASX-listed Pengana Capital Group, in association with investment leader Mercer. All with the aim of providing access to competitive returns consistently.
4. Access to Exclusive Global Opportunities
TermPlus gives you access to a highly diversified, professionally constructed, global private credit portfolio. This kind of access is usually reserved for large institutional investors. Now, everyday Australians can enjoy these same opportunities to grow their wealth.
$100 Welcome Bonus For New Accounts
OUR MISSION:
“TermPlus Is Here To Make Your Money Work Harder Than Ever Before”
Nehemiah Richardson
A Message From Nehemiah Richardson, CEO of TermPlus
For 30 years, I have worked on many attractive investment products - venture capital, private equity, and bank hybrids. While institutional investors have benefited directly, everyday investors have only had limited indirect access.
TermPlus was created to change that.
Our goal is to provide Australian investors direct access to the highly sought after characteristics of global private credit, a booming $3 trillion asset class known for attractive, stable income, capital preservation, low volatility, and diversification.
Accessing global private credit in a diversified way has been difficult for non-institutional investors - until now.
That’s why, in consultation with Mercer, a highly regarded global investment leader managing over $16 trillion in assets, we’re bringing institutional-grade private credit to everyday Australians.
TermPlus Term Accounts offer attractive target rates, paying monthly income while providing unique layers of protection. We co-invest alongside our customers in order to provide additional certainty of income, and capital stability, over and above that provided by the characteristics of global private credit.
At TermPlus, our mission is simple: help your wealth work harder while you sleep easier.
$100 Welcome Bonus For New Accounts *
LIMITED TIME NEW ACCOUNT BONUS:
Open An Account With TermPlus In April... And Get A Bonus Deposit From TermPlus Up To $100*
1 Year Account
%
p.a.*
RBA Cash Rate + 3%
2 Year Account
%
p.a.*
RBA Cash Rate + 3.65%
5 Year Account
%
p.a.*
RBA Cash Rate + 4.15%
Target Rates are set as a fixed margin above the RBA Cash Rate, which is variable over the course of the Term.
$100 Welcome Bonus For New Accounts
See What Everyone Is Saying About TermPlus…
TermPlus So far has been a great experience, easy to setup, Australian call help. easy online login. Every month you get notifications for interest payment, always makes your day.
Jarred Isaacman
Process to get in is easy but I have not come to the process of getting out yet. So not 5 stars yet.
Harold Nowak
I have found Term plus easy to deal with. All communications have been worthwhile and uncomplicated.
Paul Reilly
Great returns
Easy to use online
Would recommend to anyone.
Dennis Mackender
Love getting my Termplus notifications.
Greg Weinbren
Attractive rates and good systems from well run outfit.
Bruce Mountain
$100 Welcome Bonus For New Accounts
TermPlus Is Made For…
Savers Who Want Better Returns
You've worked hard to build your savings and know they could be generating better returns. TermPlus helps you access competitive target rates from 7.10% p.a.
Retirees & Pre-Retirees
You’ve got a nest egg and want reliable monthly income without the stress of stock market volatility. Your priority is minimising risk and protecting your nest egg while earning steady returns.
SMSF Holders Looking For Diversification
You're looking to diversify your SMSF investments while earning regular monthly payments at a competitive target rate. TermPlus is ideal for maintaining long-term returns, with the ability to re-invest income each month.
Parents Who Want to Invest Money for their Children
You want to build wealth to invest in your children’s futures and help them achieve their dreams. By investing with TermPlus, you can start building using the magic of compound returns to secure the futures of those you love.
Companies and Trusts that need to put capital to work without unnecessary market risk
Your company or trust is sitting on additional capital that you do not need access in the short term, and you want to generate competitive returns on that capital, but don’t want to risk the volatility of listed stock markets.
Savers Who Want Better Returns
You've worked hard to build your savings and know they could be generating better returns. TermPlus helps you access competitive target rates from 7.10% p.a.
Retirees & Pre-Retirees
You’ve got a nest egg and want reliable monthly income without the stress of stock market volatility. Your priority is minimising risk and protecting your nest egg while earning steady returns.
SMSF Holders Looking For Diversification
You're looking to diversify your SMSF investments while earning regular monthly payments at a competitive target rate. TermPlus is ideal for maintaining long-term returns, with the ability to re-invest income each month.
Parents Who Want to Invest Money for their Children
You want to build wealth to invest in your children’s futures and help them achieve their dreams. By investing with TermPlus, you can start building using the magic of compound returns to secure the futures of those you love.
Companies and Trusts that need to put capital to work without unnecessary market risk
Your company or trust is sitting on additional capital that you do not need access in the short term, and you want to generate competitive returns on that capital, but don’t want to risk the volatility of listed stock markets.
$100 Welcome Bonus For New Accounts
What Most People Are
Asking About TermPlus…
What is TermPlus?
TermPlus is not a bank. TermPlus is a provider of high yield online term accounts. These term accounts offer monthly income with target rates from 7.10% p.a. or you can choose to reinvest your monthly income. We work closely with leading investment institutions such as Pengana Capital Group and Mercer. Our goal is to make wealth-building simple, rewarding, and reliable. Open an account today to see how your savings can work harder for you.
How do you get target rates like this without risky or volatile investments?
TermPlus invests in a highly diversified, and professionally constructed, global private credit portfolio. This is managed by trusted institutions, and delivers competitive returns in the form of monthly income. Ready to earn more without the stress? Open your TermPlus account today.
Have you ever missed a target rate monthly payment?
We have always met our target rates with a 100% success rate from the day we started, and have never missed a target rate monthly payment. While it’s important to note that past performance is not a reliable indicator of future performance, and the value of all investments can go up or down, the three layers of protection can help fund monthly payments and repayment of your investment. Open your account today.
How safe is my money from market crashes?
First, it’s important to note that global private credit is generally uncorrelated with listed stock markets – that is, there is not a direct connection between stock market performance and private credit. Furthermore, your earnings are protected by our professionally constructed 3-layer protection system. This is
underpinned by our own money held in what we call a Support Account. Notably, your monthly income must be paid in full before the Support Account receives any allocation. In fact, term accounts have priority entitlement to any income earned by the Support Account in the previous 12 months to meet monthly returns. And our Savings Support mechanism provides a top up if the total amount you receive back from your Term Account is less than the amount you invested. Start growing your wealth - open your TermPlus Term Account now.
What kind of returns can I really expect?
TermPlus offers target rates determined by the RBA Cash Rate plus the addition of a fixed spread. As the RBA Cash Rate can potentially go up or down over the course of a term, the target rates will vary in line with the RBA Cash Rate Changes.
Don’t settle for less, open your account and start earning today.
What happens if I need access to my funds?
TermPlus accounts are fixed-term. At the end of your term, you can withdraw all your funds, or rollover into a new term as you prefer. Open an account now and enjoy flexibility tailored to your needs.
What fees are there?
TermPlus charges no setup fee, no monthly account fee or transaction fees. All underlying management fees are already factored into our target rates. This means you can enjoy total clarity from the start. Ready for straightforward growth? Open your account today.
$100 Welcome Bonus For New Accounts
Have questions? Need support?
Reach out to us today with any questions or enquires you may have about our Term Accounts.
1800 456 123
Finally Get Your Money Working Harder And Open a TermPlus Account Today
Account setup in minutes
$100 welcome bonus*
Monthly income payments
Competitive Targeted Return
Triple-layer protection system
No account fees
Powered by Pengana & Mercer
$100 Welcome Bonus For New Accounts *
Disclaimer:
*Must use Referral Code: ‘Income2025’. Minimum investment to be eligible for the bonus is $5,000. Offer expires 30 June 2025. 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.
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.
Target Rate current as at 19 February 2025. 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.
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