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

The portfolio has approximately equal exposures to growth assets and defensive assets. You'll always know where your money is invested because we actively manage the allocations to these assets within defined ranges, in accordance with our changing view of risk 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 a diversified portfolio that has similar weightings to defensive and growth assets,
  • want to rely largely on the market for returns,
  • want some long term capital growth, and
  • understand that there can be moderate to large fluctuations in the value of their investment.

Investment objective

The portfolio aims to provide a return higher than its benchmark (before fees and tax) 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 benchmark for a super or pension investment or for an investment outside super or pension.

Minimum suggested time to invest

4 years

How to invest

Invest through a platform - Super or pension

MLC MasterKey Super and Pension Fundamentals
Download PDS

MLC MasterKey Business Super
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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 3 Conservative Growth 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: