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  • MLC Navigator Investment Plan

MLC Navigator Investment Plan

When looking at opportunities to build wealth, your clients want to feel confident that your investment decisions create a secure financial future.

The MLC Navigator Investment Plan is specially structured for a wide range of investors, whether they’re individuals, self-managed super funds, partnerships, trusts or companies.

We put you in control. With your help, your clients can create an investment plan that meets all their requirements. Whether their investment approach is aggressive, conservative or balanced, our range of options allows them to achieve two important goals: diversification and flexibility.

MLC Navigator Investment Plan at a glance:

  • regular consolidated statements detailing your clients’ portfolio valuation, transactions, and tax information
  • online access to view a snapshot of your clients’ portfolio at any time
  • buys and sells investment options as you and your clients direct
  • allows for margin lending and wealth protection
  • 250+ investment options including
  • investment into cash, fixed interest, property and equities (Australian shares and international shares), and
  • access to ASX listed shares.

For more information about the cash account, click here.

Looking after your investments can be complicated. It’s no good making money if you can’t enjoy it, so it makes sense to seek the advice of a financial adviser and to have all your financial affairs in one place.

What's more, MLC Navigator eReporting can make keeping track of your statements simple and environmentally-friendly.

Making Contributions

Contribution payments
There are three easy ways for you to forward contributions to your MLC Navigator Investment Plan:

  1. BPAY ®
  2. Cheque payment
  3. Electronic Funds Transfer

BPAY ®
This is the preferred payment method for fast allocation of contributions.

  • Contributions can be made via telephone or internet banking.
  • To use BPAY, the Biller Code for the BPAY account needs to be entered first

These codes are:

Account name Biller code
MLC Navigator Investment Plan 514117
  • Second, the Customer Reference Number needs to be included. This is the contribution code plus your MLC Navigator BPAY Reference Number.
  • The contribution code entered depends on the contribution type as follows:
Contribution type Contribution code
Investment 44

In summary, for a BPAY payment you would submit it as follows:
Biller Code: 514117
Customer Reference Number: Contribution code (44) + MLC Navigator BPAY reference number

Your MLC Navigator BPAY Reference Number can be found:

  • on your account statement, or
  • by logging onto mlc.com.au and view personal information, or
  • calling Client Service on 1300 428 482

Cheque payment
If contributions are to be made by cheque, these must be made payable to MLC Navigator Investment Plan

In addition, an Additional/Regular Investment Form need to be completed.

Cheques and completed forms should be sent to:

Navigator Australia Limited
GPO Box 2567
Melbourne VIC 3001

Electronic Funds Transfer (EFT)
If you are unable to pay via BPAY, or cheque, you can register for EFT or call 1300 428 482 for information.

More information
If you require further information, please call Client Services on: 1300 428 482.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

For important updates regarding MLC Navigator managed investments visit investment news.

To open an MLC Navigator Investment Plan, please speak with your MLC representative or call us on 1300 128 482 to be put in touch with one.

Transfer existing investments (in specie) into the MLC Navigator     Investment Plan

Navigator allows in specie transfers into the MLC Navigator Investment Plan. We’re able to accept investors' existing holdings in any of the managed funds and shares Navigator offers.

An in specie transfer is a process of transferring assets without selling the underlying investment product or security. This offers the benefit of not spending time ‘out of market’ during times of potential market growth and also saves on brokerage and transaction costs.

If your clients want to move their holdings into the investment environment, there are other benefits including:

  • tax minimisation - no CGT event is incurred on the transfer into the MLC Navigator Investment Plan as beneficial ownership of the asset doesn’t change (if you don’t change entity types)
  • further discounts on Navigator administration fees (for higher balances, capping and fee linking), and
  • consolidation of investments and reporting.

Other important information to consider:

  • the time involved to complete the transfer. Investors may not be able to switch or redeem an investment for up to 12 weeks, and
  • in specie transfers out of the MLC Navigator Investment Plan are permitted but there may be exit fees associated with this.


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