Updates and info

Your account explained

For more information please read the MLC MasterKey Business Super Product Disclosure Statement (PDS) (3.53MB).
If you want information on how to manage your account, read our MLC MasterKey Business Super How to Guide (480KB)

Your insurance

For more information on how we calculate your premiums, and all aspects of your insurance, please read the
MLC MasterKey Business Super Insurance Guide (PDF, 3.53MB) section of the PDS.

Left or changed your employer?

For information about maintaining your insurance after leaving your employer, please read the
MLC MasterKey Business Super Insurance Guide (PDF, 3.53MB) section of the PDS.

Updating your beneficiaries

To update your beneficiaries now, use our Beneficiary nomination form. The form also has Information on nominating a beneficiary.

Pay by direct debit

To make payments into your super by direct debit, please log in to mlc.com.au

Resolving complaints

For information on complaints read our Complaint Resolution Guide.

Your account explained

For more information please read the MLC MasterKey Super and Pension Product Guide (PDF, 4.03MB) or the
MLC MasterKey Super Fundamentals and Pension Fundamentals Product Guide (PDF, 3.95MB).

If you want information on how to manage your account, read our
MLC MasterKey Super & Pension and MLC MasterKey Super & Pension Fundamentals How to Guide (PDF,473KB).

Updating your beneficiaries

To update your beneficiaries now, use our Beneficiary nomination form. The form also has Information on nominating a beneficiary.

Pay by direct debit

To make payments into your super by direct debit, please log in to mlc.com.au

Resolving complaints

For information on complaints read our Complaint Resolution Guide.

Your insurance

For more information about MLC Super Group Insurance, including your benefits and premiums, please read our
MLC Super Group Insurance PDS (PDF, 626KB). More information on contributions and concessional contribution caps is also available at ato.gov.au.

Updating your beneficiaries

If you want to know more about making a beneficiary nomination, or the different types of nomination, please read the
MLC Super Group Insurance PDS (PDF, 626KB). To update your beneficiaries now, use our
Beneficiary Nominations Form for Employees (PDF, 175KB) (also available in the PDS).

Resolving complaints

For information on complaints read our Complaint Resolution Guide.

Your policy

For more information about your MLC Life Cover Super policy and your benefits, read our
MLC Life Cover Super PDS (PDF, 3.35MB).

Updating your beneficiaries

If you want to know more about making a beneficiary nomination, or the different types of nomination, please read the
MLC Life Cover Super PDS (PDF, 3.35MB). To nominate or update your beneficiaries now, use our
Beneficiary Nomination Form (PDF, 141KB).

Resolving complaints

For information on complaints read our Complaint Resolution Guide.

Your investment explained

For more information please read the MLC MasterKey Investment Service Financial Services Guide (PDF, 1.25MB) or the MLC MasterKey Investment Service Fundamentals Financial Services Guide (PDF, 1.25MB).

If you want information on how to manage your investment, please read our
MLC MasterKey Investment Service and MLC MasterKey Investment Service Fundamentals How to Guide (PDF, 1.25MB).

Or for a history of your transactions relating to a quarterly period within the financial year, please login to your MLC MasterKey Investment Service account.

Your regular investment facility

The Product Disclosure Statement (PDS) for your regular investment facility may have changed since your original instructions. To make sure you have the most up-to-date information about your investments, download a copy of the most recent Product Disclosure Statement for each of your investment options.

Adding to your investment

To add to your investment by direct debit or by cheque, please complete the Additional investment (PDF, 170KB) form and send it to us.

Resolving complaints

For information on complaints read our Complaint Resolution Guide.

Your investment explained

For more information, please read the MLC MasterKey Unit Trust Product Disclosure Statement (PDS) (PDF, 1.56MB).

If you want information on how to manage your investment, please read our MLC MasterKey Unit Trust How to Guide (PDF, 285KB).

Add to your investment

To add to your investment by direct debit, please complete the Additional investment (PDF, 285KB) form and send it to us.

Resolving complaints

For information on complaints read our Complaint Resolution Guide.

Your account explained

For more information about your account, including your fees and costs, please read The Employee Retirement Plan Product Guide (PDF, 566MB).

Updating your beneficiaries

If you want to make a beneficiary nomination, or update your current nomination, use our Change of Account Details (PDF, 149MB) form.

Resolving complaints

For information on complaints read our Complaint Resolution Guide.

Your superannuation

You can find more information here about some of the features of your product such as:

• Your management costs
• Tax deductions on your contributions
• Tax benefits in super
• Do you qualify for a management fee refund?
• Preservation rules

What are the management costs on an MLC MasterKey Superannuation Gold Star account?

The management costs for an MLC MasterKey Superannuation Gold Star account are summarised in the table below. Please note, all fees are shown before the tax benefit.

What are the management costs on an MLC MasterKey Superannuation Five Star account?

The management costs for an MLC MasterKey Superannuation Five Star account are summarised in the table below. Please note, all fees are shown before the tax benefit.

Tax deductions on your contributions

Any personal contributions you are claiming as a tax deduction will have 15% contributions tax deducted by the ATO. This will be deducted from your account once we acknowledge acceptance of your Notice to Claim a Tax Deduction.

Tax benefits in super

A tax benefit applies to fees charged to your super account. We charge the fees shown and then pass the tax benefit back as a credit, which effectively reduces your fees by 15%.

Do you qualify for a management fee refund?

The fee refund is based on the combined account balances you, and any other linked investor, have in MLC MasterKey accounts.

Calculated on your monthly account balance and paid quarterly, the fee refund is:

• 0.17%pa for combined account balances between $200,000 and less than $400,000
• 0.32%pa for combined account balances between $400,000 and over.

To receive your fee refund, your account must be open at the time the refund is paid. The fee refund is subject to change.

Please contact us for more details on how this refund is calculated.

Preservation rules

Please see our guide to Preservation rules (PDF, 26KB)

Updating your beneficiaries

To update your beneficiaries now, use our Beneficiary nomination form. The form also has Information on nominating a beneficiary.

Pay by direct debit

To make payments into your super by direct debit, please complete the Your Investment Facility section on the
Change of Account Details (PDF, 295KB) form and send it to us.

Resolving complaints

For information on complaints read our Complaint Resolution Guide.

Your pension

You can find more information here about some of the features of your product such as:

• Your management costs
• Do you qualify for a management fee refund?

What are the management costs on an MLC MasterKey Allocated Pension Gold Star account?

The management costs for an MLC MasterKey Allocated Pension Gold Star account are summarised in the table below. Please note, all fees are shown before the tax benefit.

What are the management costs on an MLC MasterKey Allocated Pension Five Star account?

The management costs for an MLC MasterKey Allocated Pension Five Star account are summarised in the table below. Please note, all fees are shown before the tax benefit.

Do you qualify for a management fee refund?

The fee refund is based on the combined account balances you, and any other linked investor, have in MLC MasterKey accounts.

Calculated on your monthly account balance and paid quarterly, the fee refund is:

• 0.17%pa for combined account balances between $200,000 and less than $400,000
• 0.32%pa for combined account balances between $400,000 and over.

To receive your fee refund, your account must be open at the time the refund is paid. The fee refund is subject to change.

Please contact us for more details on how this refund is calculated.

Updating your beneficiaries

To update your beneficiaries now, use our Beneficiary nomination form. The form also has Information on nominating a beneficiary.

Income payments

To change your income payments, please complete the Your Investment Facility section on the
Change of Account Details (PDF, 295KB) form and send it to us.

Resolving complaints

For information on complaints read our Complaint Resolution Guide.

Your pension

You can find more information here about some of the features of your product such as:

• Your management costs
• Do you qualify for a management fee refund?

What are the management costs on an MLC MasterKey Term Allocated Pension account?

The management costs for an MLC MasterKey Term Allocated Pension account are summarised in the table below. Please note, all fees are shown before the tax benefit.

Do you qualify for a management fee refund?

The fee refund is based on the combined account balances you, and any other linked investor, have in MLC MasterKey accounts.

Calculated on your monthly account balance and paid quarterly, the fee refund is:

• 0.17%pa for combined account balances between $200,000 and less than $400,000
• 0.32%pa for combined account balances between $400,000 and over.

To receive your fee refund, your account must be open at the time the refund is paid. The fee refund is subject to change.

Please contact us for more details on how this refund is calculated.

Updating your beneficiaries

To update your beneficiaries now, use our Beneficiary nomination form. The form also has Information on nominating a beneficiary.

Income payments

To change your income payments, please complete the Your Investment Facility section on the
Change of Account Details (PDF, 295KB) form and send it to us.

Resolving complaints

For information on complaints read our Complaint Resolution Guide.

Your investment bond

You are invested in an investment bond, also known as an insurance bond. Investment bonds are tax paid investments, with investment earnings taxed at 30%. MLC pays the tax from the fund, and this is reflected in the performance returns.

You can find more information here about your product such as:

• Your management costs
• Do you qualify for a management fee refund?
• How your investment bond is taxed

What are the management costs on an MLC MasterKey Investment Bond account?

The fees displayed are net of the tax benefit.

Do you qualify for a management fee refund?

The fee refund is based on the combined account balances you, and any other linked investor, have in MLC MasterKey accounts.

Calculated on your monthly account balance and paid quarterly, the fee refund is:

• 0.17%pa for combined account balances between $200,000 and less than $400,000
• 0.32%pa for combined account balances between $400,000 and over.

To receive your fee refund, your account must be open at the time the refund is paid. The fee refund is subject to change.

Please contact us for more details on how this refund is calculated.

How your investment bond is taxed

You do not need to include investment earnings from your investment bond in your annual tax return unless you make a withdrawal within ten years from commencement.

You can also make contributions each year¹ without starting a new ten year period, provided contributions do not exceed 125% of the previous year’s contribution and no more than 12 months elapses between each contribution made.

The ten year period is not a minimum investment period. After the tenth year of holding the bond, subject to not restarting this period, the investment is entirely tax paid. That is, all investment earnings are available without you being assessed for additional tax.

You can continue to make additional contributions after the tenth year provided you keep within the 125% rule.

Resolving complaints

For information on complaints read our Complaint Resolution Guide.

Your rollover bond

You can find more information here about your product such as:

• Do you qualify for a management fee refund?
• Tax benefits
• Preservation rules

Do you qualify for a management fee refund?

The fee refund is based on the combined account balances you, and any other linked investor, have in MLC MasterKey accounts.

Calculated on your monthly account balance and paid quarterly, the fee refund is:

• 0.17%pa for combined account balances between $200,000 and less than $400,000
• 0.32%pa for combined account balances between $400,000 and over.

To receive your fee refund, your account must be open at the time the refund is paid. The fee refund is subject to change.

Please contact us for more details on how this refund is calculated.

Tax benefits

A tax benefit applies to fees charged to your rollover account. We charge the fees shown and then pass the tax benefit back as a credit, which effectively reduces your fees by 15%.

Preservation rules

Please see our guide to Preservation rules (PDF, 26KB)

Fund Profile Tool

You can find detailed information about your investment options using our Fund Profile Tool. Simply select your investment as shown below to find out about manager and asset allocations, your investment performance and fund commentary.

Resolving complaints

For information on complaints read our Complaint Resolution Guide.