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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 aiming to achieve a return above inflation but, more importantly, are concerned about losing money over a 3 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, and
  • want to manage investment risk by diversifying across asset classes and strategies.

Investment objective - MLC Wholesale

Aims to deliver a return of 2% pa above inflation (after management costs), subject to limiting the risk of negative returns over 3 year periods.

Investment objective - MLC MasterKey Super Fundamentals

Aims to deliver a return of 1.7% pa above inflation (after fees and tax), subject to limiting the risk of negative returns over 3 year periods.

This careful risk management approach means there may be times, such as when interest rates are unusually low, when the portfolio requires an extended period to achieve its return objective. In most circumstances the portfolio is expected to provide positive returns over 3 year periods, although there will sometimes be negative returns over shorter periods.

Risk objective

Generating returns above inflation requires the portfolio to invest at least partly in risk assets such as shares. As a result there will be times when the portfolio doesn’t deliver its return objective, and the portfolio may fall in value. However, we aim for the portfolio to have less than a 15% chance of a negative return over a 3 year period. To control the risk of negative returns we flexibly adjust the portfolio’s asset allocation, investing in a combination of assets that provide an attractive potential return for the risk taken.

Market Benchmark

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

Minimum suggested time to invest

3 to 5 years

View the Investor Brochure (PDF).

Detailed information about our investment approach

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 $20,000 minimum investment

MLC Wholesale Inflation Plus - Conservative 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

ASX mFund Settlement Service

If you don't have an existing stockbroking account, contact a participating broker, such as nabtrade, today. A complete list of participating stockbrokers can be found on the ASX website.

The mFund Code for the MLC Wholesale Inflation Plus – Conservative Portfolio is MLC01.

Do you have any questions about Investments?

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