Pendal Credit Income Fund - Managed Fund

Fund Objective

The Fund aims to provide a return (before fees and expenses) that exceeds the Bloomberg Australia Bank Bill Index over a rolling 3 year period. The suggested investment timeframe is two years or more.

Fund Strategy

The Fund is actively managed and aims to take advantage of investment opportunities within the Australian and international debt markets. The Fund aims to maintain a stable return profile through limited exposure to interest rate movements and prudent credit management.

Fund Performance Comparison

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Peers

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The performance of the peers is calculated as the total of the performance for each time period for all the funds in the peer group, divided by the number of funds in the peer group.

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Fees Comparison

% p.a.

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NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are being charged. Peers are funds that use the same benchmark in the Morningstar database.

Fund performance

	1M	3M	6M	1Y p.a.	2Y p.a.	3Y p.a.	5Y p.a.	10Y p.a.
Total return	0.71%	1.97%	4.14%	8.32%	9.15%	7.18%	3.34%	4.19%
Growth return	-0.83%	-0.7%	0.93%	2.2%	2.53%	1.92%	-0.94%	0.03%
Income return	1.54%	2.67%	3.21%	6.12%	6.62%	5.26%	4.28%	4.16%
Market index (Bloomberg AusBond Composite 0+Y TR AUD)
Total return	0.33%	1.05%	3.11%	4.31%	4.73%	3.74%	-0.03%	2.14%

As at 31 Aug 2025. Returns for periods greater than 1 year are annualised. All figures are percentages.

Asset Allocation

Pendal Credit Income Fund

Cash: 6.97%

Fixed Interest: 93.03%

Australian Equities: 0%

International Equities: 0%

Property & Infrastructure: 0%

Alternatives: 0%

Average Allocation of Peers

Cash: 6.60%

Fixed Interest: 92.48%

Australian Equities: 0.62%

International Equities: 0.02%

Property & Infrastructure: 0.02%

Alternatives: 0.25%

General Information

Fund Details

Type	Description
Fund Name	Pendal Credit Income Fund (Wholesale)
APIR Code	RFA0065AU
Sector/Asset Class	Unconstrained Fixed Income
Morningstar Rating	(as at 31 Aug 2025)
Legal Structure	Investment Fund
Fund Inception	7 May 2007
Fund Size	$292.85 million (as at 12 Sep 2025)
Entry Price	$0.9772 (as at 12 Sep 2025)
Exit Price	$0.9754 (as at 12 Sep 2025)
Fund Status	Open

Offer information

Type	Description
MER	0% (as at 11 Dec 2014)
Indirect Cost Ratio (ICR)	0% (as at 30 Jun 2018)
Minimum initial investment	$500,000
Minimum additional investments
Minimum redemption amount

Top 10 holdings (as at 31 Aug 2025)

Holding (as at 31 Aug 2025)	Type	% of Portfolio
10 Year Australian Treasury Bond Future Sept 25	Bond - Treasury Future	76.57%
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FAQs about the Pendal Credit Income Fund

What is the objective of the Pendal Credit Income Fund managed fund?

The objective of the Pendal Credit Income Fund managed fund is The Fund aims to provide a return (before fees and expenses) that exceeds the Bloomberg Australia Bank Bill Index over a rolling 3 year period. The suggested investment timeframe is two years or more.

What is the strategy for the Pendal Credit Income Fund managed fund?

The strategy of the Pendal Credit Income Fund managed fund is The Fund is actively managed and aims to take advantage of investment opportunities within the Australian and international debt markets. The Fund aims to maintain a stable return profile through limited exposure to interest rate movements and prudent credit management.

What is the APIR code of the Pendal Credit Income Fund managed fund?

The APIR code of the Pendal Credit Income Fund managed fund is RFA0065AU.

What was Pendal Credit Income Fund’s total return last month?

Pendal Credit Income Fund’s total return last month was 0.71%. This was made up of a growth return of -0.83% and an income return of 1.54%. These returns were calculated as at 31 Aug 2025.

What was Pendal Credit Income Fund’s total return for the last three months?

Pendal Credit Income Fund’s total return for the last three months was 1.97%. This was made up of a growth return of -0.7% and an income return of 2.67%%. These returns were calculated as at 31 Aug 2025.

What is Pendal Credit Income Fund’s one-year total return?

Pendal Credit Income Fund’s one-year total return is 8.32%. This was made up of a growth return of 2.2% and an income return of 6.12%. These returns were calculated as at 31 Aug 2025.

What is Pendal Credit Income Fund’s three-year total return?

Pendal Credit Income Fund’s one-year total return is 7.18%. This was made up of a growth return of 1.92% and an income return of 5.26%. These returns were calculated as at 31 Aug 2025.

What is the asset allocation of the Pendal Credit Income Fund managed fund?

The asset allocation of the Pendal Credit Income Fund managed fund is :

Cash: 6.97%

Fixed Interest: 93.03%

Australian Equities: 0%

International Equities: 0%

Property & Infrastructure: 0%

Alternatives: 0%

What sector/asset class does the Pendal Credit Income Fund managed fund belong to?

The Pendal Credit Income Fund managed fund belongs to the Unconstrained Fixed Income sector/asset class.

What is the size of the Pendal Credit Income Fund managed fund?

As at 12 Sep 2025, the size of the Pendal Credit Income Fund managed fund was $292.85 million.

What is the inception date of the Pendal Credit Income Fund managed fund?

The Pendal Credit Income Fund managed fund has an inception date of 7 May 2007.

What is the current entry price of the Pendal Credit Income Fund managed fund?

The current entry price of the Pendal Credit Income Fund managed fund is $0.9772 per unit and the current exit price is $0.9754 per unit (as at 12 Sep 2025).

What is the current exit price of the Pendal Credit Income Fund managed fund?

The current exit price of the Pendal Credit Income Fund managed fund is $0.9754 per unit and the current entry price is $0.9772 per unit (as at 12 Sep 2025).

What is the minimum investment amount for the Pendal Credit Income Fund managed fund?

The minimum initial investment amount for the Pendal Credit Income Fund managed fund is $500,000. Minimum additional investment is $0.

Fund data sourced from Morningstar. Some material is copyright and published under licence from ASX Operations Pty Limited ACN 004 523 782 ("ASXO"). Data and content is provided for personal use only. Whilst every care has been taken in producing these numbers, neither Morningstar nor InvestSMART can make any guarantees around the complete accuracy of these figures. Should you decide to change investments, please read all relevant disclosure documents including the Product Disclosure Statements and if required, you may consider speaking to a financial professional for further guidance. A tax event may be realised as a result of switching investments. Past performance is not a reliable indicator of future performance.

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