Income Funds

Why invest in an Income Fund?

Investing can be a powerful tool to increase your wealth, as smart investing can help you potentially outpace inflation and boost asset value. If you’re seeking an investment option that generates regular income, an income fund may be a suitable choice. You can benefit from professional support when it comes to your personal investments by utilising managed fund services.

With TPT Wealth’s managed funds, you can tap into the expertise, experience, and financial insights of our investment management team, which will strive to meet your specific investment goals. We understand that not everyone feels confident making investment decisions on their own, so with our help, an experienced and skilled professional can manage your income fund and investments for you.

Investing in an income fund could be a big step towards your asset management or wealth management goals. To help with your understanding, we’ve answered common questions related to income funds below. Please note that this information is intended to be general in nature and does not consider the investment objectives, financial situation, or specific needs of any individual.

Before acting on any advice, consider whether it is appropriate for your circumstances and seek independent advice. Always read the relevant Product Disclosure Statements (PDS) and other disclosure documents including the Target Market Determinations before making any decisions.

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Cash & Income Funds

Aiming for capital stability and consistent investment returns.

  • Short to medium term investors
  • Generate income from a diversified portfolio
  • Assets include bonds, money markets and mortgages
  • Delivers monthly variable returns

Investment Growth Funds

Potential for higher average investment returns over the long term.

  • Long term investors
  • Assets include property, Australian and International shares
  • Short term ups and downs are part of the funds’ performance
  • Regular income streams

All investments involve various elements of risk. Whilst TPT Wealth cannot eliminate all risks associated with an investment in the TPT At Call Fund, Growth Funds and TPT Wealth Income Funds (including the risk of loss of income and capital invested), as Responsible Entity and Investment Manager we employ a range of strategies that seek to actively identify, assess, manage, and reduce risk. Neither TPT Wealth, nor MyState Limited or MyState Bank Limited guarantee the repayment of capital or the performance of the TPT At Call Fund, Growth Funds and TPT Wealth Income Funds. For important information about Funds and their risks, please refer to the Fund’s PDS and TMD.

ASIC Benchmark Disclosures:
ASIC has developed a range of benchmarks for unlisted mortgage schemes (such as the Income Funds) the enable investors to understand the risks and assess the suitability of the investments. This information is updated on a quarterly basis and made available on this website.

Why invest with TPT Wealth?

Short, medium to long term investments
Over 30 years experience
Invest in assets generally not available to retail investors
24/7 access to your investments via our online investor portal

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Is it smart to invest in an income fund?

Whether an income fund is a suitable investment will depend on your individual investment goals, risk tolerance, and financial circumstances. What works for one investor may not work for another. Before pursuing any type of investment, individuals should review the disclosure documents and their financial position and goals.

One of the benefits of income funds is that they tend to have a low-to-medium risk or return profile within the context of asset allocation, associated benefits, risks, and redemption timeframes. Compared to other types of funds, income funds focus on generating monthly income rather than maximising capital gains. Note that capital is not guaranteed.

As with other types of investments, such as conservative investments or a mortgage fund, it’s important to choose a reliable provider of financial services.

At TPT Wealth we've offered managed funds since 1977. Our income funds aim to provide investors with capital stability and regular, competitive income (paid monthly).

TPT Wealth’s income funds invest in a range of asset classes such as fixed income, commercial mortgages, and money market funds.

What is the average return on income funds?

The average return on income funds can vary depending on several factors, such as the type of income fund, the asset classes it invests in, your investment management team’s strategy, and the prevailing market conditions. In that regard, the average returns on income funds vary from case to case.

A single year of returns on managed funds is usually not enough to give you a complete picture of how a managed fund is expected to perform throughout your investment. To build a more rounded understanding of a fund’s performance, always seek between 5 and 10 years of data. However always remember that past performance is not an indicator of future performance.

Because income fund returns depend greatly on the investment strategy applied, you can leverage the assistance of a skilled professional in managing your funds. At TPT Wealth, a prudent investment approach and an experienced team with a firm eye on the future have helped us provide a range of cash and income funds to investors all over Australia.

Our goal at TPT Wealth is to help you make sound financial choices by managing your investments on your behalf. On top of that, you get 4/7 access to your investment status via our online investor portal, where you can view transactions online, switch online between funds, top up your existing investment, and even submit a redemption.

What should I look for when choosing income funds?

Three essential factors should ideally be taken into consideration when choosing an income fund option: safety, income, and capital growth. As an investor, it’s crucial to select an appropriate balance among these three factors that aligns with your financial goals and risk tolerance. The appropriate mix for you may change over time as your life circumstances and needs change.

Always seek independent financial, legal, and taxation advice and compare income funds before committing. This allows you to make an informed decision on how to manage your money and your potential to increase your returns.

An advantage of TPT Wealth’s managed funds is that you have the ability to pool funds with multiple investors, generally making it easier to begin your investment journey with a relatively low capital requirement.

For a better understanding of managed investment funds, it’s advisable that you obtain and review the relevant Product Disclosure Statements (PDS) and other disclosure documents before deciding to invest, including the Target Market Determination (TMD), Financial Services Guide, Privacy Policy, Benchmark Disclosure Report, and continuous disclosures, which are available at

Starting your investment journey

If you’re interested in opening an investment with TPT Wealth, you can use the online application form on our website or download and complete one of the paper forms there. It only takes a few minutes to complete the application, as you simply have to select your desired type of account, enter your details, and follow the prompts to submit your application.

Whether you’re interested in our cash and income funds, or the other services we offer, you’re welcome to get in touch with our team. You may do so via phone call or by completing our online enquiry form, and we will contact you as soon as possible.

Our managed investment solutions here at TPT Wealth cater to a diverse range of investors, and we are committed to helping you achieve your financial goals. If you have any questions or would like to learn more about our services, please don’t hesitate to contact us at 1300 138 044 or via email at We would be happy to assist you.

Apply now to start your journey with TPT Wealth.

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