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  • Personal
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  • MLC Navigator Investment Plan
  • Main features & benefits

Navigator Investment Plan - Features at a glance

Investment Options
  • Over 250 investment funds available.
  • Shares and other ASX listed financial products.
  • Other investment products such as our Integrated Separately Managed Account.
  • Term deposits and debentures may also be available from time to time.
Minimum initial investment
Feature Lump Sum Regular Investment Facility
Initial investment into the service $20,000 $3,000
Additional investment per:
  • investment fund
  • share
  • Model Portfolio
  • term deposits

  • no minimum
  • $2,000
  • $10,000
  • varies by issuer

  • No minimum.
  • N/a.
  • N/a.
  • N/a.
Minimum additional investments
Feature Lump Sum Regular Investment Facility
Initial investment into the service $5,000 $200
Additional investment per:
  • Investment fund.
  • Shares.
  • Model Portfolio.
  • Term deposits.

  • No minimum.
  • $500.
  • No minimum.
  • Varies by issuer.

  • No minimum.
  • N/a.
  • N/a.
  • N/a.
Minimum withdrawal
$500 minimum amount per withdrawal
Transaction options
  • BPAY, direct debit, electronic funds transfer or cheque.
  • Transact by phone, fax, email, or mail.
  • Regular Investment Facility.
  • Regular Withdrawal Facility.
Fees and costs
Flexible fee options are available. Speak to your financial adviser about this and for full details on fees and costs, refer to the current Financial Services Guide.
Fee discounts
You may qualify for a fee discount by linking accounts with your immediate family members or members of your SMSF.
Group Investment discount
MLC Navigator accounts that hold $400,000 or more in managed investment options issued by the NAB group of companies will receive up to 10% pa reduction on the total administration fee. Download a list of investments eligible for the discount.

Please note that some investments shown may no longer be available for new investment. However, existing holdings in any of the investments are eligible for the Group Investment discount.
Reporting
  • Online access allows you to review your portfolio at any time.
  • Quarterly statements mailed to you.
  • Annual statement (including audit report).
  • Consolidated annual tax statement to assist with your tax returns.
Margin Lending
You can borrow funds to invest through the MLC Navigator Investment Plan using the Select Margin Loan. The Select Margin Loan is an integrated margin lending solution offered through Navigator with Leveraged Equities as the margin lender. It can offer instant confirmation on switches, additions and withdrawals.
Tax Management
Your financial adviser has access to our sophisticated tax management processes- helping you minimise your tax liabilities.
Term Deposits
  • Choice of four providers: NAB, Adelaide Bank, St. George and Wide Bay.
  • Various terms available: 1 month, 2 months, 3 months, 6 months, 1 year and 2 years.
  • $1,000 minimum (NAB only).
Cash management
  • Cash management trust from BWA Managed Investments.
  • Cash management account from Wide Bay Australia.

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