As inflation in Australia hits 4.6%, retirees face challenges in securing reliable income from their savings. With approximately 4.4 million Australians aged 65 and over, the shift from accumulation to drawdown phases necessitates income sources that can withstand market fluctuations. TermPlus, a product from Pengana Capital Group, offers fixed-term accounts that provide access to the growing global private credit market, valued at US$3.5 trillion. The accounts feature target rates of 7.35%, 8.00%, and 8.50% for one, two, and five-year terms, respectively, and require a minimum investment of A$2,000. These accounts are designed to deliver predictable monthly income, which can be directly deposited into bank accounts or reinvested. TermPlus has achieved a record of 100% on targeted monthly income payments, supported by a robust portfolio of loans to mid-market companies. The product has garnered recognition, including being a finalist in multiple categories at the 2026 Fund Manager of the Year Awards and winning the 2025 Finder People's Choice award in innovation.