MLC MasterKey Super - Features at a glance

Minimum Contribution	Employer		Spouse
	Initial contribution or rollover		No minimum for any form of contribution.
	Additional transfer, rollover or contribution
	Direct debit
	Payroll deduction
	BPAY
Withdrawals	No minimum withdrawal amount.
Investment Options	Click here to view the choice of investment options.
Standard fees	Administration fees	0.88% to 1.24%pa
	Account Fee	$78 pa
	Investment Fee	0.25%pa to 2.00%pa †
Other Fees	Contribution Fee	5% to nil (this fee can be rebated by arrangements with your financial adviser).
	Investment Transaction Costs	When buying or selling the underlying assets of each investment option, transaction costs may be incurred. Between 0.0% - 0.6%.
	Adviser Service Fees	An annual fee as either a percentage (%) of your monthly account balance or a dollar ($) amount and/or a one off dollar ($) fee (agreed between you and your financial adviser).
Investment management fee rebate	We've negotiated with the investment managers of our external investment options to rebate part of their fees that comprise the Management Expense Ratio. This rebate is known as a Fund Manager Payment and is passed on to members by way of a reduction of the applicable investment fee.
Death Benefits - nomination of beneficiary	You can either make a non-lapsing nomination which is binding on the Trustee or a nomination subject to Trustee discretion.
Death Benefits - anti-detriment benefit	Death payments from a member are a tax deduction to the Scheme and reimbursed to a member's dependant/ executor.
Insurance	Insurance premiums for MLC Insurance can be deducted from MLC MasterKey Pension.
MasterKey fee refunds*	Fee refunds based on your individual or your family linked MLC MasterKey Investment Portfolio balance.	Linked Portfolio value between $200,000 and less than $400,000		A refund of 0.17% pa of your account
		Linked Portfolio value $400,000 or more		A refund of 0.32% pa of your account
Accessing your account information	Online, MLC Service Centre or in writing (including fax).
Online Transactions	Additional and regular investment
	Investment switching
	Regular switch
	Update details
	Super consolidation

Disclaimer

MLC Nominees Pty Limited (ABN 93 002 814 959 AFSL 230702 RSE L0002998 Trustee of The Universal Super Scheme ABN 44 928 361 101, R1056778) is the issuer of MLC MasterKey Super and MLC MasterKey Super Fundamentals. Information about each of these products is contained in the current Product Disclosure Statement, or other disclosure document, copies of which are available from the relevant issuer by phoning 132 652 or via our website at mlc.com.au. You should obtain a Product Disclosure Statement or other relevant disclosure document and consider any relevant disclosure document before making any decision about whether to acquire, or to continue to hold, any of these products. To acquire interests in any of these products you must complete the Application Form and send it to MLC, or apply through your financial adviser.

The information shown on this site is intended as general information only and has been prepared without taking into account the investment needs, objectives or financial situation of any particular person. Prior to making any investment decision, you should assess whether the information is appropriate to your particular investment needs, objectives and financial circumstances.

Investments in MLC MasterKey Super and MLC MasterKey Super Fundamentals does not represent a deposit with, or a liability of, MLC Nominees Pty Limited, MLC Limited (ABN 90 000 000 402), National Australia Bank Limited (ABN 12 004 044 937) or another member company of the National group of companies and is subject to investment risk including possible delays in repayment and loss of income and capital invested.

None of National Australia Bank Limited, MLC Nominees Pty Limited, or another member company of the National group of companies or appointed investment managers, guarantee the capital value, payment of income or the performance of MLC MasterKey Super or MLC MasterKey Super Fundamentals. MLC Limited guarantees that the unit price in the MLC Cash Fund will not fall (before the deduction of management fees and taxes).