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What should your clients
do about inflation?

Rise above it

About MLC Inflation Plus

Watch out for your clients in an uncertain environment

Market volatility can impact your clients’ retirement. The three MLC Inflation Plus portfolios use MLC’s unique Investment Futures Framework to identify and assess a range of future scenarios and have the flexibility to adapt as needed. This means your clients’ investments are continually positioned to manage the risk of large losses and deliver real returns in a range of market conditions.

  •   Inflation Plus -
    Conservative Portfolio
    Inflation Plus -
    Moderate Portfolio
    Inflation Plus -
    Assertive Portfolio*
    Return objective Aims to achieve a return of inflation plus 3.5% (before fees and tax) over 3 year periods. Aims to achieve a return of inflation plus 5% (before fees and tax) over 5 year periods. Aims to achieve a return of inflation plus 6% (before fees and tax) over 7 year periods.
    Risk consideration

    Although we carefully manage the portfolio, this can't remove the risk that at times, it may not achieve its objective.

    However, in most circumstances we expect to provide a positive return over 3 year periods.

    Although we carefully manage the portfolio, this can't remove the risk that at times, it may not achieve its objective.

    However, in most circumstances we expect to provide a positive return over 5 year periods.
    At the same time, the portfolio is managed to limit the risk of negative returns over this time frame. As a result, there may be times when the portfolio doesn’t achieve its objective.

    While there will sometimes be negative returns over shorter periods in most circumstances we expect to provide a positive return over 7 year periods.
    Minimum suggested time to invest 3 - 5 years 5 - 7 years 7 - 10 years

    * Previously MLC Long-Term Absolute Return Portfolio

  • We understand investors may feel uncertain about simply relying on market performance to deliver the returns they need.

    Some of the things they may be worried about are:

    • rollercoaster returns from the sharemarket – swings up and down
    • big market losses that can set back their investment and are difficult to recover from
    • returns that don't keep pace with inflation, so the purchasing power of their money declines, and
    • who has the skill and experience to manage their money in a complex, rapidly changing environment.
  • Choice of three portfolios

    Select the portfolio with the right return target and investment timeframe to help your clients achieve their financial goals.

    MLC Inflation Plus - Conservative Portfolio MLC Inflation Plus - Moderate Portfolio MLC Inflation Plus - Assertive Portfolio

    Inflation plus 3.5% over 3 year periods

    Download MLC MasterKey Super snapshot
    (for access through MLC MasterKey Super & Pension Fundamentals, MLC MasterKey Business Super and MLC MasterKey Personal Super)

    Download MLC Wholesale snapshot
    (for access through MLC MasterKey Investment Service Fundamentals, MLC Wrap, MLC Navigator and MLC Investment Trust)

    Inflation plus 5% over 5 year periods

    Download MLC MasterKey Super snapshot
    (for access through MLC MasterKey Super & Pension Fundamentals, MLC MasterKey Business Super and MLC MasterKey Personal Super)

    Download MLC Wholesale snapshot
    (for access through MLC MasterKey Investment Service Fundamentals, MLC Wrap, MLC Navigator and MLC Investment Trust)

    Inflation plus 6% over 7 year periods

    Download MLC Masterkey Super snapshot
    (for access through MLC MasterKey Super & Pension Fundamentals, MLC MasterKey Business Super and MLC MasterKey Personal Super)

    Download MLC Wholesale snapshot
    (for access through MLC MasterKey Investment Service Fundamentals, MLC Wrap, MLC Navigator and MLC Investment Trust)

    Above-inflation return objective

    Each portfolio is actively managed to target a return above inflation, rather than simply relying on market performance for returns. That means your clients can be more confident they'll achieve the returns they need.

    Experience and track record

    We've successfully used the 'inflation plus' approach since 2005, a period that included the global financial crisis. And the portfolios are designed and managed using MLC's market-leading investment process, including our Investment Futures Framework.

    Focus on risk management

    We aim to achieve target returns by carefully managing risk, particularly by focusing on limiting the risk of big losses that can set back your investment. This also helps smooth the returns of the portfolios.

    Flexible asset allocation

    As markets change, we adjust the mix of assets in the portfolios so they are better positioned to deliver returns and manage risk.

    Extensive diversification

    Investing in a very wide range of assets and strategies gives us many sources of return and ways to manage risk. Our portfolios also benefit from the insights of specialist investment managers from all over the world.

  • Fund Lonsec Zenith ThreeSixty
    MLC Inflation Plus – Conservative 'Highly Recommended'* 'Recommended'** Approved
    MLC Inflation Plus – Moderate 'Highly Recommended'* 'Recommended'** Approved
    MLC Inflation Plus – Assertive 'Highly Recommended'* 'Recommended'** Approved

    *The Lonsec Ratings (assigned as follows: MLC0921AU – January 2018; MLC0920AU – January 2018 and MLC0667AU – January 2018) presented in this document are published by Lonsec Research Pty Ltd ABN 11 151 658 561 AFSL 421445. The Ratings are a “class service” (as defined in the Financial Advisers Act 2008 (NZ)) or limited to “General Advice” and based solely on consideration of the investment merits of the financial products. In New Zealand it must only be provided to “wholesale clients” (as defined in the Financial Advisers Act 2008 (NZ)). Past performance information is for illustrative purposes only and is not indicative of future performance. They are not a recommendation to purchase, sell or hold MLC products, and you should seek independent financial advice before investing in these products. The Ratings are subject to change without notice and Lonsec assumes no obligation to update the relevant documents following publication. Lonsec receives a fee from the Fund Manager for researching the products using comprehensive and objective criteria. For further information regarding Lonsec’s Ratings methodology, please refer to our website at: http://www.beyond.lonsec.com.au/intelligence/lonsec-ratings.

    **The Zenith Investment Partners (“Zenith”) Australian Financial Services License No. 226872 ratings for MLC0921AU, MLC0920AU and MLC0667AU (all assigned in October 2018) referred to in this document are limited to “General Advice” (as defined by the Corporations Act 2001) for Wholesale clients only. This advice has been prepared without taking into account the objectives, financial situation or needs of any individual. It is not a specific recommendation to purchase, sell or hold the relevant product(s). Investors should seek independent financial advice before making an investment decision and should consider the appropriateness of this advice in light of their own objectives, financial situation and needs. Investors should obtain a copy of, and consider the PDS or offer document before making any decision and refer to the full Zenith Product Assessment available on the Zenith website. Zenith usually charges the product issuer, fund manager or a related party to conduct Product Assessments. Full details regarding Zenith’s methodology, ratings definitions and regulatory compliance are available on our Product Assessment’s and at http://www.zenithpartners.com.au/RegulatoryGuidelines.

  • The MLC Inflation Plus portfolios are designed for investors who:

    • are outcome focussed
    • don't want to just rely on markets to deliver returns
    • value active management, and
    • expect MLC to change the asset allocation significantly in order to manage risk and achieve returns.

    They may be accumulators or those in or nearing retirement.

  • The portfolios are available through:

    • mFund Settlement Service
    • MLC MasterKey Super & Pension Fundamentals
    • MLC MasterKey Investment Service Fundamentals
    • MLC MasterKey Business Super
    • MLC MasterKey Personal Super
    • MLC Wrap
    • MLC Navigator (and badges), and
    • MLC Investment Trust.

Talk to us about MLC Inflation Plus Get in touch