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If you could retire tomorrow...

The Real Retirement Report 2026

Australians are chasing a better retirement but not always building one. The 2026 Real Retirement Report explores the gap between intention and action when it comes to planning for their retirement.

Our latest research1 reveals a nation sold on the vision, but less certain they’ll reach it on their terms. From a shared vision to mixed confidence, the report pinpoints where readiness is rising, where it’s stalling, and what can help people shift from passive saving to an intentional retirement income strategy.

Tools

Make your own plan

We know that understanding your finances can help you plan and feel confident about your future.

Our practical tools and calculators help you understand where you are today, and how small changes now can add up over time. Whether you’re just getting started, tracking progress or planning ahead, these tools are designed to give you the financial clarity… just like that. 

Performance

Understand your finances, set goals and see your personalised wealth outlook.

Financial Coaches

See how small changes now could make a difference to your retirement outcome.

Tools

In just two minutes, see how your super compares with other Australians.

139 years of securing Aussie futures

Our investment experts are working hard to help you enjoy a glorious retirement.

  • Easy to join in under 10 minutes — so quick, you won’t even need to make a cuppa
  • Strong performing MLC High Growth investment option2
  • Simple super fees with no surprises
  • 30+ investment options, for those who like a little more control
  • Flexible insurance options
  • Easy to use app, tools and calculators
  • Easy to combine multiple super accounts
  • Access to MLC Member Rewards3, hello discounts 

Join us

138 years of securing Aussie futures

Our investment experts are working hard to help you enjoy a glorious retirement.

  • Easy to join in under 10 minutes — so quick, you won’t even need to make a cuppa
  • Strong performing MLC High Growth investment option1
  • Simple super fees with no surprises
  • 30+ investment options, for those who like a little more control
  • Flexible insurance options
  • Easy to use app, tools and calculators
  • Easy to combine multiple super accounts
  • Access to MLC Member Rewards3, hello discounts 

Join us

MLC knows retirement

We’re one of Australia’s largest managers of retirement savings.4

  • Transition easily from super into a retirement pension account
  • Tools to estimate your retirement income and eligibility for the government age pension
  • Access to expert financial advice as you need it
  • Our administration fees and costs are ~28% lower than the average superannuation pension product and ~13% lower than the average industry fund pension product 5
  • Keep it simple or choose from over 30 investment options  

And if you’ve held super with MLC for 6 months and meet the eligibility criteria, you may be eligible for a pension bonus when you transfer from your MLC super account into a MLC pension account. Eligible MLC pension members received, on average, a pension bonus of $6,199.6

Join us

Get confidence with top-rated super

Get confidence with top-rated super

CANSTAR 2025 Outstanding Value - Account Based Pension logo
Money Magazine Award 2026 - Best Growth Super Product Logo
Super Ratings Platinum MyChoice Super 2025 logo
Chant West 5 Apples Highest Quality Fund Super 2025 logo
Heron Quality Rating 2025 logo

Check it out

Awards and ratings are only one factor to take into account when choosing a super fund.

Check it out

Awards and ratings are only one factor to take into account when choosing a super fund.

Important information

By getting started with MLC Money View you agree to the terms and conditions and privacy collection statement. For important information you should know before using MLC Money View, please refer to Website Disclosure Information.

All of the information provided when you use MLC Money View is collected and stored securely by IOOF Service Co Pty Ltd (IOOF Service Co), a company which is a related entity of the Insignia Financial group of companies comprising Insignia Financial Ltd and its related bodies corporate (Insignia Financial Group). If you want more information about your privacy before continuing, please read Insignia Financial Group’s Privacy Policy and the Terms & Conditions.

MLC Money View is provided by Actuate Alliance Services Pty Ltd ABN 40 083 233 925, ASFL 240959 (Actuate). The information provided in the MLC Money View is of general nature only and does not consider your complete personal circumstances. It is not intended to be relied on for making a decision about a financial product. You should not act on the information without obtaining professional financial advice specific to your circumstances.

NULIS Nominees (Australia) Limited (ABN 80 008 515 633) (NULIS), as trustee for the MLC Super Fund, does not offer MLC Money View. IOOF Service Co, Actuate and NULIS are companies within Insignia Financial Group. Neither NULIS, nor any other entity within Insignia Financial Group, including any other entity within the Insignia Financial Group that is a trustee for a regulated superannuation fund, is liable for or responsible for any work, action or information provided by Actuate.

1 The Real Retirement Report, July 2026. Research commissioned by MLC and conducted by McCrindle Research Pty Limited in December 2025 over a nationally representative survey of 2,500 Australians aged 18 and over.

2 Chant West Super Performance Survey High Growth (81-95%) net returns to 31 March 2026. Returns are expressed net of investment fees and tax. Performance returns are annualised for periods greater than one year (p.a. = per annum). The future value of an investment in an investment option will rise or fall with market changes. Past performance is not a reliable indicator of future performance. MLC High Growth option provides a diversified portfolio that's invested in more traditionally-focused growth assets that tend to provide higher levels of long-term capital growth but may also carry the highest risk in the short term. Find more information.

3 MLC Member Rewards is provided by Edge Loyalty Systems Pty Ltd trading as Lifestyle Rewards (ABN 96 138 299 288) and not part of the Insignia Financial Group.  

4 KPMG Super Insights Report 2026, May 2026. Based on total retirement assets within superannuation funds managed by trustees within the Insignia Financial Group, including the MLC Super Fund.

5 Chant West Pension Fee Survey, March 2026. Based on administration fees and costs for MLC MasterKey Pension Fundamentals (including a $ based Member Fee, a % based Plan Management Fee, Trustee Levy, and Other administration fees and costs paid from reserves) on a $250k balance (which is roughly the average pension account balance in non-SMSF funds) for pension products in the Growth Index (61–80% growth assets) which covers 59 pension products including 18 industry fund products. 

6 Over a 12-month period to 19 December 2025. Assumes a Pension Bonus rate of 1.25% of a members balance, which is accurate as of 31 January 2026 (subject to change).

The Canstar 2025 Outstanding Value Account Based Pension award was received in September 2025 for MLC MasterKey Penson Fundamentals.

The MLC Aggressive option (formerly known as MLC Horizon 7 Accelerated Growth Portfolio) in the MLC Super Fund was awarded the Money magazine’s Best Growth Super Product 2026.