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The portfolio aims to provide a return higher than its benchmark (before fees) over 3 year periods, while managing risk.

The portfolio has a strong bias to defensive assets and some exposure to growth assets. You'll always know where your money is invested because the allocations to these assets are actively managed within defined ranges, in accordance with our changing view of potential risks and opportunities in investment markets.

The portfolio is broadly diversified across asset classes and investment managers from around the world. These managers invest in many companies and securities in Australia and overseas.

You can use the portfolio for your whole portfolio or add it to other investments.

At a glance

Suited to

Investors who:

  • want to rely largely on the market for returns,
  • want a diversified portfolio that invests mainly in defensive assets,
  • consider preserving their capital an important but not overriding concern, and
  • want to receive a regular income stream with some tax advantages.

Investment objective

The portfolio aims to provide a return higher than its benchmark (before fees) over 3 year periods. We aim to achieve this by actively managing the portfolio. This includes reducing risk in the portfolio if market risk is high. As a result, there may be smaller losses than the benchmark in weak or falling markets and potentially lower returns than the benchmark in strong markets.

Market Benchmark

A combination of market indices, weighted according to the asset allocation. See details of the portfolio's current benchmark for an investment outside super or pension.

Minimum suggested time to invest

3 years

How to invest

Invest through a platform - Super or pension

MLC MasterKey Super and Pension Fundamentals
Download PDS

MLC MasterKey Business Super
Download PDS

MLC Wrap Super Series 2
Download PDS

MLC Navigator Retirement Plan Series 2
Download PDS
Invest through a platform - Investment outside super or pension

MLC MasterKey Investment Service Fundamentals
Download PDS

MLC Wrap Investment Series 2
Download PDS

MLC Navigator Investment Series 2
Download PDS
   
Invest direct $500,000 minimum investment

MLC Wholesale Horizon 2 Income Portfolio
Download PDS
   
MLC MasterKey Super and Pension Fundamentals
Download PDS

Do you have any questions about Investments?

Here are some of the more common questions we get asked: