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Regnan is a responsible investment pioneer with a long, proud heritage in providing advice and insights on environmental, social and governance issues. Regnan’s Credit Impact Trust is distributed in Australia by Pendal.
A straight-forward first step into investing with impact
Provides easy access to an investment fund
Transparent reporting brings to life the impact of your investments
Invests in green and social bonds that fund projects designed to bring measurable change to people and the planet
A complement to your existing cash and fixed income investments
Targets financial returns of cash plus 1% to 3% per annum
Pendal portfolio manager George Bishay outlines the Regnan Credit Impact Trust, an investment strategy that puts capital to work.
Watch videoWe don’t invest in something just because it feels good. This is a high-quality, liquid portfolio that fits into your allocation. Investments must satisfy Pendal’s well-regarded fixed income process. The fund aims to deliver a return of the cash rate plus 1-3% per year.
| As at 31/05/23 |
1m | 3m | 1yr | 2yr | 3yr (p.a) | 5yr (p.a) | % since inception |
|---|---|---|---|---|---|---|---|
| Total return (Before fees and tax) | 0.48 | 1.19 | 3.87 | 1.97 | 3.00 | - | 2.96 |
| Benchmark: RBA Cash Rate | 0.32 | 0.91 | 2.65 | 1.38 | 0.97 | - | 0.92 |
| Total return After fees | 0.44 | 1.06 | 3.35 | 1.46 | 2.48 | - | 2.44 |
| Distribution | 0.00 | 0.20 | 1.99 | 1.66 | 1.52 | - | 1.33 |
| Growth | 0.44 | 0.87 | 1.36 | -0.19 | 0.97 | - | 1.11 |
Source: Pendal. Past performance is not a reliable indicator of future performance. This information is for general information and is not to be regarded as a securities recommendation. Where performance returns are quoted “After fees” then this assumes reinvestment of distributions and is calculated using exit prices which take into account management costs but not tax you may pay as an investor. Where “Growth” returns are shown, these represent the percentage change in the value of units in the fund excluding any distributions paid. “Distribution” returns equal the difference between the “Total return (After fees)”, and the Growth return. Where performance returns are quoted “After fees and tax”, they are calculated using exit prices which take into account management costs and taxes paid within the trust up to a maximum of 15%. Where performance returns are quoted “Before fees and tax”, they exclude the effects of management costs and any taxes. In the case of the Pendal Managed Cash Fund and the Pendal Stable Cash Plus Fund all returns are calculated using the average of the daily distribution yields and assume monthly reinvestment of distributions. You can view our Unit Pricing Discretions Policy here.
We focus on investments that advance the UN’s Sustainable Development Goals including:
Size of Australia’s responsible investment market in 2021
– RIAA RI 2022 Benchmark Report
of Australians held responsible investments in 2021 – up 28% on the previous year.
– RIAA IR 2022 Benchmark Report
Here are some of the ways Regnan Credit Impact Trust is making the world a better place (data current at December 31, 2022). Calculator results are indicative only. Actual results may differ from forecasts provided.
The Fund size averaged about $187 million in the year to December 2022 (and reached $209 million in March 2023).
Enter an amount and click “Calculate” to see what your potential impact could be:
See the positive impact associated with an investment from Jan 1, 2022 to Dec 31, 2022 below:
MWh/year renewable energy generated (equivalent to annual electricity use of 11,764 Australian households)
tCO2e GHG emissions avoided (equivalent to taking 17,799 cars off road per annum)
litres of water cleaned, recycled or treated per annum
passenger trips per annum on low carbon transport
hectares of forest restored (equivalent to 6 Melbourne Cricket Ground-sized stadiums)
small-scale farmers supported with improved agricultural technology*
social/affordable housing*
underprivileged students educated*
teachers trained in developing nations*
microfinance loans made to financially underserved entrepreneurs from developing nations*
loans made to female-owned micro, small and medium enterprises with little access to sources of financing*
people with access to Information & Communication technology in developing nations & remote regions*
Calculating impact. This may take a minute...
The aggregated expected environmental and social outcomes shown above are based on data provided by the issuers of bond securities (Issuers) held by Regnan Credit Impact Trust (Fund). That data relates to the outcome attributable to those securities held by the Fund. Information provided is indicative only and should not be relied upon when making an investment decision or recommendation in relation to the Fund. The information provided to us by the Issuers has not been verified by us and may be inaccurate or incomplete. Actual results may differ and subsequent changes in circumstances may occur at any time that impact the accuracy of the results. Past performance is not a reliable indicator of future performance. The outcome numbers are based on data from January 1, 2022 to December 31, 2022.
This expected environmental and social outcomes summary has been prepared by Pendal Fund Services Limited (PFSL) ABN 13 161 249 332, AFSL No 431426 and the information contained within is current as at 31 Dec 2022. It is not to be published, or otherwise made available to any person other than the party to whom it is provided. PFSL is the responsible entity and issuer of units in the Regnan Credit Impact Trust (Fund) ARSN: 638 304 220. A product disclosure statement (PDS) is available for the Fund and can be obtained by calling 1300 346 821 or visiting www.pendalgroup.com. The Target Market Determination (TMD) for the Fund is available at www.pendalgroup.com/ddo. You should obtain and consider the PDS and TMD before deciding whether to acquire, continue to hold or dispose of units in the Fund. An investment in is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested.
This expected environmental and social outcomes summary is for general information purposes only, should not be considered as a comprehensive statement on any matter and should not be relied upon as such. It has been prepared without taking into account any recipient’s personal objectives, financial situation or needs. Because of this, recipients should, before acting on this information, consider its appropriateness having regard to their individual objectives, financial situation and needs. This information is not to be regarded as a securities recommendation.
The information in this impact summary may contain material provided by third parties, is given in good faith and has been derived from sources believed to be accurate as at its issue date. While such material is published with necessary permission, and while all reasonable care has been taken to ensure that the information in this impact summary is complete and correct, to the maximum extent permitted by law neither PFSL nor any company in the Pendal group accepts any responsibility or liability for the accuracy or completeness of this information.
The aggregated expected environmental and social outcomes shown in this summary are based on data provided by the Issuers held by Fund. That data relates to the outcome attributable to those securities held by the Fund. Information provided is indicative only and should not be relied upon when making an investment decision or recommendation in relation to the Fund. The information provided to us by the Issuers has not been verified by us and may be inaccurate or incomplete. Actual results may differ and subsequent changes in circumstances may occur at any time that impact the accuracy of the results. Past performance is not a reliable indicator of future performance. The outcome numbers are based on data from January 1, 2022 to December 31, 2022.
IFC Social Bond
IBRD Green Bond
IFC Social Bond
Australian Catholic University
Sustainable Bond
IFC Social Bond
Australian Catholic University
Sustainable Bond
IFC Social Bond
IADB EYE Social Bond
IFC Social Bond
IBRD Green Bond
Aquasure Vic Desalination (matured)
NAB Climate Bond
Westpac Climate Bond
IBRD Green Bond
Woolworths Green Bond
Mitsubishi UFJ Green
CBA Climate Bond
Australian Catholic
University Sustainable Bond
IADB EYE Social Bond
IFC Social Bond
Australian Catholic University
Sustainable Bond
NAB Climate Bond
Westpac Climate Bond
IBRD Green Bond
Woolworths Green Bond
Mitsubishi UFJ Green
CBA Climate Bond
NAB Climate Bond
Westpac Climate Bond
CBA Climate Bond
Australian Catholic University
Sustainable Bond
NAB Climate Bond
Westpac Climate Bond
IBRD Green Bond
Woolworths Green Bond
CBA Climate Bond
Source: https://sustainabledevelopment.un.org/sdgs. These are 13 of the 17 SDGs. The others are: Life Below Water, Life on Land, Peace and Justice Strong Institutions, Partnerships to achieve the Goal
Managing a mix of credit, fixed interest and enhanced cash portfolios, George holds a wealth of experience in portfolio management and credit analysis with a specific focus on Asset Back Securities, Industrials, Real Estate and Resources sectors. George has managed dedicated sustainable fixed interest portfolios for a decade. He has also worked across numerous fixed income, credit and money market portfolios in portfolio management, credit analysis and dealing roles for more than 20 years. In 2019 George was awarded the Alpha Manager status by Money Management’s parent FE fundinfo in recognition of his career-long performance in the asset management industry.
The Regnan Credit Impact Trust is an actively managed portfolio of fixed and floating income securities. The trust focuses on investments anchored to impact goals adapted from the United Nations Sustainable Development Goals.
The trust aims to generate positive and measurable social or environmental impact, or both; and a return (before fees, costs and taxes) that exceeds the RBA cash rate over rolling 3-year periods.
| Minimum investment | $25,000 |
| Benchmark | RBA cash rate |
| Distribution frequency | Quarterly |
| Distribution (cpu) | $0.3000 (31/12/2020) |
| Distribution History | |
| MIT Notice | |
| Management Cost | 0.50% p. a. |
| Buy Sell spread | 0.20% (0.10%/0.10%) |
| Risks | An investment fund is subject to a number of risks. For a detailed description of these risks please refer to the PDS. |
| APIR Code | PDL5969AU |
