Access MLC's expertly managed, multi-asset portfolios, underpinned by our market-leading investment approach, plus insurance and protection solutions to build advice strategies to support your clients - at every stage of life.
Market-leading investment approach
that creates portfolios with real value.
Tools and resources
that make advice easier.
Protection solutions
for peace of mind when it counts.
An experienced partner
for complete wealth solutions.
Expertly managed investment portfolios
We create real value for your clients through MLC’s expertly managed multi-asset, multi-manager investment portfolios, single-asset class multi-manager funds, and quality single-manager funds managed by world-class investment managers. We have investment options for every stage of life for your clients.
Four distinct sets of multi-asset portfolios
Quality investment options for your clients through
Simple Choice, Low cost, Flexible and Socially responsible investment options, giving you and your clients a vast choice of ready-made
portfolios to suit different client needs.1
Quality single-asset class investment options
Implement a core-satellite approach to investing
with our quality multi-manager, single-manager
funds and term deposits, provided by globally
recognised fund managers, including MLC.
Award-winning investment expertise
Our market-leading investment approach uses 50+ forward looking
scenarios as part of our Investment Futures
Framework. Our Framework helps us work out the best combination of asset classes to achieve our portfolios’ objectives.
Transparent investing
Build client confidence with a transparent view of
how your clients’ money is being invested and
performing through our Fund Profile Tool opens in new window and
detailed reporting.
1 We provide a detailed explanation of what we mean by our Simple choice, Low cost, Flexible, and Socially responsible investment groups in our Investment Menu, as well as full profiles of all our investment options.
Tools and resources that make advice easier
We’ve built the tools you need to give more to your clients, create even better relationships, and manage and grow your own business.
Engaging your clients
Show your clients their options and how their investments are performing with our interactive Fund Profile Tool opens in new window.
Easy management for all life stages
MasterKey Fundamentals is designed to take your clients from job to job and into retirement. It’s easy to manage and change as they move through life.
Detailed online reports
Quick, easy access to customisable
reports that help engage clients
and fine-tune your business.
Protection solutions for peace of mind when it counts
Our flexible insurance options are designed to protect your clients and the people and things they love when the unexpected happens.
Lifestage insurance
Your clients can choose from three simple
levels of Death and TPD cover, without the
need for underwriting.
Additional, comprehensive insurance options
Including Death, TPD, Critical Illness and Income Protection. For more
information visit us at
MLC Life Insurance.
Protecting retirement savings
Investment Protection options offer downside protection while allowing upside growth,
giving you confidence
during market ups and downs.
Further information
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Competitive prices
MLC MasterKey Super & Pension Fundamentals can help you lower overall costs for your clients by offering competitive fees:
Administration fees and costs
A fixed fee of $1.50 per week. This fee is deducted monthly from your client’s account regardless of their account balance and equates to $78 pa.
Plus
A percentage Administration fee of:- 0.15% pa of your client’s account balance invested in each super investment option, and
- 0.10% pa of your client’s account balance invested in each pension investment option.
The percentage Administration fee charged to each account (excluding the fixed fee and Trustee Levy) is capped at $2,500 pa. From 1 April 2025, the cap will reduce to $1,000 pa for super accounts and $800 pa for pension accounts.
Plus
Trustee Levy of 0.02% pa of your client’s account balance.
Plus
Other administration fees and costs paid from reserves of 0.05% pa (estimated) of your client’s account balance.
We also offer a range of flexible Adviser Service fee options, allowing you and your clients to choose a strategy that’s right for you. For the most up-to-date information on our fees and costs, see our MLC MasterKey Super Fundamentals Product Disclosure Statement (PDF).
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The following are the types of investment options available in MLC MasterKey Super Fundamentals:
Ready-made portfolios, which include our:
- Simple choice investment options
- Low cost investment options
- Flexible investment options
- Socially responsible investment option.
Build-your-own portfolio, which include our:
- Cash and fixed interest investment options
- Property investment options
- Australian shares investment options
- Global shares investment options.
We provide a detailed explanation of what we mean by our Simple choice, Low cost, Flexible, and Socially responsible investment groups in our Investment Menu, as well as full profiles of all our investment options.
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Insurance available when you join
You can enjoy quality insurance benefits with Lifestage insurance (our default option):
- A combination of Death and Total and Permanent Disablement (TPD) insurance that's been designed to protect you and your loved ones through your different life stages
- When you join, you're able to select from three levels of MLC Lifestage insurance cover (Standard, Half the standard and Double the standard), subject to eligibility criteria
- Premiums are deducted monthly from your super account balance
- Your current and previous state of health may affect your ability to claim
Insurance available after you joinOnce your account has been opened, you can tailor your insurance to meet your needs with:
- Different levels of Lifestage Insurance or nominate a fixed amount for Death and TPD
- Option to add Income Protection Insurance cover (including access to Best Doctors)
When you apply for insurance after you join, we will ask you questions about your employment, pastimes and medical history. If successful, specific occupation loading and/or medical exclusions may apply.
Important Information and disclaimer
Information current as at October 2024. This communication has been prepared for the general information of advisers only. It does not take into account any investor's objectives, financial situation or needs. Investors should consider its appropriateness having regard to these factors before acting on the information. Any opinions expressed constitute our views at the time of issue and are subject to change.
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