Providing regular income and capital stability by investing in income-generating assets.
A different way to save
The Sandhurst Investment Term Fund's objective is to provide regular income and capital stability by investing in income-generating assets, including mortgage backed assets and first registered mortgages. You can choose from a range of investment terms – from 3 months to 5 years.
The Managed Fund product/s referenced on this page are issued by our wholly owned subsidiary Sandhurst Trustees Limited.
Minimum initial investment $2000
Investment terms from 3 months to 5 years
Access to Bendigo e-banking services2
How it works
Sandhurst aims to achieve the investment objective of the Fund by investing in a pool of diversified mortgage backed assets and direct mortgages that is consistent with our conservative lending policy.
The Fund also invests in deposits, money market securities and government backed securities to generate income and provide liquidity to the Fund.
Features
- Low minimum initial investment of $2,000.
- Regular income stream through monthly or quarterly income distributions, which can be paid to you or automatically re-invested.
- Choice of investment terms from 3 months to 5 years, to cater for a range of investors1.
- Access to Bendigo Bank e-banking services available for online banking2
Additional Feature
- On the 3 year term investments there is a rainy day access feature, allowing you to withdraw3 up to 25% of the total amount invested for the term at any time.
Defensive or conservative
To invest in this style, you would have a low tolerance for losses and risks which naturally leads you to give up on a larger return that comes with higher-risk investments. This investment style often looks to fixed income products such as cash, loan funds and bond funds. Usually at least 60% of this portfolio would be in defensive assets.
Recommended investment timeframe
Select a term of between 3 months and 5 years
Risk Profile
Low
View the Sandhurst Rate Board Matrix.
Rates, fees and costs4
No account keeping fees
No entry or exit fees
Management Fees and Cost 1.09% p.a. of the net asset value of the Fund.
Move towards your goals. Apply online today.
Related documents
The information on this page is a summary only. For further information please refer to the following documents
Latest performance report
Education HUB article
View all articles
Why invest in a managed fund
A managed fund is a professionally managed investment portfolio that pools your money together with the money of multiple investors. An Investment Manager then buys and sells shares or other assets (property, cash, bonds etc) on your behalf.
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Things you should know
Target Market Determinations for products are available.
Early withdrawal may be available at Sandhurst’s discretion in special circumstances, although penalties may apply in the form of a reduced rate of return. From 21 August 2024 the reduced rate of return is 1.00% p.a. and is subject to change. Accessing your funds under the rainy day terms, does not result in a reduced rate of return.
The managed fund described is issued by Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst), a subsidiary of the Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879 (the Bank). Both of these companies receive remuneration on the issue of the product or service they provide. Investments in this Fund are not deposits with, guaranteed by, or liabilities of the Bendigo and Adelaide Bank Limited, or any other bank and are subject to normal investment risk including loss of some or all of the principal invested. Past performance is not an indication of future performance. Please consider your situation and read the PDS before making an investment decision.
1 Sandhurst may at its discretion consider an early withdrawal request (other than Rainy Day Access) from the Fund under special circumstances. Sandhurst reserves the right to reduce the rate of return payable on the investment if an early withdrawal is approved. The current reduced rate of return is published on the rate board matrix
2 Please contact 1300 236 344 to apply for e-banking services. Approval is subject to Bendigo Bank’s discretion.
3 Sandhurst shall satisfy withdrawal requests as soon as practicable (generally on the same day, but not more than 12 months). However, withdrawal requests may be delayed or refused if in Sandhurst’s reasonable opinion it is in the best interests of investors as a whole to do so. Investors will only have limited rights to withdraw if the Fund does not satisfy the liquidity test in the Corporations Act. There is a risk that withdrawal proceeds will not be paid within a reasonable period after the initial investment term.
4 Management fees and costs are based on fees and costs incurred by the Fund in the past financial year and may be different in the current and future financial years. Other fees and costs may apply. See the PDS for full details.
Please see a copy of the relevant Valuation Policy here
Sandhurst Trustees
Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst) is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879. Sandhurst is the responsible entity and issuer of the managed funds available on this website. Additionally, Sandhurst is the issuer of commercial lending products and the provider of traditional trustee services available on this website. Each of these companies receives remuneration on the issue of the product or service they provide. Investments in these products are not deposits with, guaranteed by, or liabilities of Bendigo and Adelaide Bank nor any of its related entities, and are subject to normal investment risk, including possible delays in repayment and loss of income and capital invested.
Information on the website is jointly prepared by Sandhurst and Bendigo and Adelaide Bank and subject to change without notice. Advice in relation to managed funds and commercial lending products is provided by Sandhurst. The information contains general advice only and does not take into account your personal objectives, situation or needs. Before making an investment decision in relation to these products you should consider your situation and read the relevant Product Disclosure Statement available on this site.
The information is given in good faith and has been derived from sources believed to be accurate at its issue date. Neither Sandhurst nor the Bendigo and Adelaide Bank give any warranty for the reliability or accuracy or accept any responsibility arising in any way, including by reason of negligence for errors or omissions for the information contained on this website. Neither Sandhurst nor the Bendigo and Adelaide Bank has an obligation to update, modify or amend this website or notify you in the event that a matter of opinion or projection stated changes or subsequently becomes inaccurate.
Neither Sandhurst nor Bendigo and Adelaide Bank is responsible for the content of any other site accessed via this site. That information is the responsibility of the site owner. Links to other sites are provided for convenience only and do not represent any endorsement by Sandhurst or the Bendigo and Adelaide Bank of the products and services offered by the site owner.
