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The portfolio aims to deliver a return of 6% pa above inflation (before deducting fees) over seven-year periods, regardless of what global markets are doing.

We aim to achieve the target return by carefully managing risk, particularly by focusing on limiting the risk of big losses that can set back your investment. We manage risk mainly through the portfolio's flexible asset allocation, which we adjust as markets change, and by investing in a very wide range of assets and strategies.

At a glance

Suited to

Investors who:

  • are focused on achieving a return above inflation over a 7-year period,
  • understand the return achieved by the portfolio may be significantly higher or lower than its objective,
  • understand that the portfolio’s asset allocation will change significantly over time,
  • want to manage investment risk by diversifying across asset classes and strategies, and
  • understand the risks of investing in a geared portfolio and are comfortable with MLC flexibly managing the gearing level up to 40%.

Investment objective

The portfolio aims to deliver a return of 6% pa above inflation (before fees and tax) over 7-year periods by limiting the risk of negative returns over this time frame.

This careful risk management approach means there may be times when the Trust doesn’t achieve its return objective. In most circumstances the Trust is expected to provide positive returns over 7 year periods, although there will sometimes be negative returns over shorter periods.

Market Benchmark

The measure of inflation is the Consumer Price Index, calculated by the Australian Bureau of Statistics

Minimum suggested time to invest

7 to 10 years

View the Investor Brochure (PDF).

Detailed information about our investment approach

Investment objective

The portfolio aims to deliver a return of 6% pa above inflation (before fees and tax) over 7-year periods by limiting the risk of negative returns over this time frame.

This careful risk management approach means there may be times when the Trust doesn’t achieve its return objective. In most circumstances the Trust is expected to provide positive returns over 7 year periods, although there will sometimes be negative returns over shorter periods.

Risk Objective

Less than 15% probability of a negative real return over 7 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
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MLC Navigator Retirement Plan Series 2
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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
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Invest direct $20,000 minimum investment

MLC Wholesale Inflation Plus - Assertive Portfolio
Download PDS

MLC Wholesale Inflation Plus portfolios Initial Application Form

MLC Wholesale Inflation Plus portfolios Additional Investment Form    
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: