MLC Navigator Access superannuation and pension

Please note: this product closed to new applications on 30 December 2011. Existing clients can still make contributions to, transact on and view their account as per usual.

Together with your financial adviser, MLC Navigator Access Super and Pension enables you to invest across a range of investment options where underlying assets are managed by some of Australia’s leading investment managers.

This provides you with all the benefits of greater diversification enabling you to spread your risk knowing that Navigator has eliminated the complexity of dealing directly with the different fund managers.

Super

The super service provides a flexible investment vehicle that accepts personal and employer lump sum contributions, regular contributions, rollovers from other super funds, spouse contributions, family law payment splits and government co-contributions.

Pension

Our pension service allows retired individuals to convert their super into an account-based pension. You can easily transfer your investments from the super service to the pension service without incurring transaction costs, triggering capital gains tax liability, or redeeming any investment options.

Our account-based pension is a tax-effective income stream in retirement, or if you’re transitioning towards retirement. You can vary the pension payments subject to certain minimum limits prescribed by super laws.

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 Access Super Service account:

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:

• 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:

In summary, for a BPAY payment you would submit it as follows:
Biller Code: 950394
Customer Reference Number: Contribution code (see above) + 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

For Employers
To process your employees' super contributions please follow the instructions as above and send us the following information about the employees and the funds.

Information about each employee (investor) including:

• employee name
• MLC Navigator account number
• employee date of birth
• Superannuation Guarantee Contribution amount
• other contribution amounts

To assist you in submitting this information, download our
Super Contributions spreadsheet.

Once completed please email the contribution details to us.

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 more information on this product, please contact your financial adviser or call us on 1300 428 482.