High Livez is a bond fund backed by prime,  Australian home loans. It opens up a market that is usually restricted to institutional investors.

The High Livez Fund Explained


What others say about High Livez

“We invested in High Livez seeking a better interest return for our deposits and the safety it provides. It has delivered in spades. The service from the directors and the close knit staff has been first class and transparent. They have turned out to be real people not machines. The thing we most like about High Livez is that they do not mind it  if we spend the interest earned on our cruise ship travels!” - Edgar Steed, Current Investor since 2014

“We invested in High Livez to get stability and consistent income that is higher than the cash rate. It has delivered reasonable income with preservation of capital - which is important. The service I have received is professional. What I most like about High Livez is the way it has delivered preservation of capital and higher income than the cash rate. - Mark Russi, Current Investor since 2015

I invested in High Livez because I wanted higher, secure and consistent yield than was offered by the banks. It has delivered all the above. The service I have received is excellent in all aspects. I like High Livez because the service is easy going, friendly and expert. - Leigh Nevett, Current Investor since 2014

Our expectations have been met and often exceeded. Return on investment is excellent and management seem to certainly have their “eye on the ball”. Even the most modest investor is treated with the utmost courtesy and respect.
I appreciate the high return available when investing with High Livez, and this has allowed us to enjoy lots of exciting travel opportunities and a good quality of life. I also appreciate the fact that when contacting Firstmac the experience is made easy, not the usual call centre response, but largely the same delightful staff one has spoken to for five years or more. Very reassuring! - Diane Steed, Current Investor since 2014

At a glance

  • Invested in highly-rated Australian bonds and cash
  • Distributions paid monthly
  • Zero entry and exit fees
  • Management costs are capped at 0.60% pa
  • SMSF investment permitted
  • Not a Mortgage Trust

Why invest in High Livez?

  • Firstmac has specialist knowledge of Residential Mortgage-Backed Securities (RMBS)
  • Firstmac has publicly issued over $20 billion RMBS since 2003 with all principal and monthly payments paid on schedule
  • Perpetual is the Responsible Entity and Custodian
  • RMBS is a type of bond secured by a pool of residential mortgages, no construction or development properties

Bond issuers currently held in High Livez include:

*Total return for the 8 years to 31 August 2019 and 6.08% p.a. since inception on 29 March 2011. The total return is the trust’s consolidated performance over the period referenced. Past performance is not indicative of future performance and should not be the only factor considered when selecting an investment. Performance is calculated on an initial investment of $10,000 with distributions reinvested. Ongoing fees and expenses have been applied however individual taxes are excluded. This information is general information only and does not take into account your individual objectives, financial situation or needs. You should assess whether the information is appropriate for you and consider obtaining financial advice prior to making an investment decision.

High Livez is issued by Perpetual Trust Services Limited ("Perpetual") ACN 000 142 049 AFSL 236648 as the Responsible Entity of the Trust. The Investment Manager is Firstmac Limited ("Firstmac") ACN 094 145 963 AFSL 290600. Firstmac High Livez and the Product Disclosure Statement (PDS) is available at or by contacting Firstmac on 13 12 20. The information in this document is general information only and does not take into account any person's situation, financial objectives or needs. You should read the PDS in its entirety before making any decision to invest. Perpetual and Firstmac strongly recommend you obtain independent professional financial advice on the risks and suitability of this product. The value of your investment in High Livez could go down as well as up. Past performance is not a reliable indicator of future performance. Restrictions may apply to the amount and timing of withdrawal requests - refer to the PDS for full details.