Important message
For Annual Benefit Statements, please visit: Statements - Your statement centre
Important message
For Annual Benefit Statements, please visit: Statements - Your statement centre
Retirement planning can feel like a lot to get right, so it's easy to put off.
But there's no one way to do retirement. You just need a plan that fits your life.
As an MLC member, you've already got the tools, guidance and support to help you get from where you are now, to where you want to be – whether that’s writing a romance novel, winding down, or living on a farm with a cow called Gertrude.
No one does retirement quite like us.
MLC knows retirement. We're one of Australia's largest managers of retirement savings.2
Our administration fees are ~26% lower than the average fund and ~8% lower than the average industry fund.3
Why pay two admin fees? With us, you don’t. One admin fee across your super and pension accounts.
Awards and ratings are only one factor to take into account when choosing a super fund.
Awards and ratings are only one factor to take into account when choosing a super fund.
1 Over a 12-month period to 19 December 2025. Assumes a Pension Bonus rate of 1.25% of a member’s balance, which is accurate as of 30 April 2026 (subject to change).
2 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.
3 Chant West Pension Fee Survey, June 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) compared to 58 pension products, including 18 industry fund pension products, in the Growth Index (61-80% growth assets).
The Financial Coaches, Super Advisers, Education Managers and Client Relationship Managers provide financial advice under the Australian Financial Services licence (AFSL) of Actuate Alliance Services Pty Ltd ABN 40 083 233 925 AFSL 240 959 (Actuate). NULIS Nominees (Australia) Limited ABN 80 008 515 633, AFSL 236465 (NULIS) is the trustee of MLC Super Fund ABN 70 732 426 024 (Fund). Actuate and NULIS are both part of the Insignia Financial group of companies comprising Insignia Financial Limited ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group). NULIS has appointed Actuate to provide general and limited advice services (which includes simple super advice) to members of relevant products in the Fund. 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 advice provided by Actuate.
Any advice or information provided to you by a Financial Coach during a super consultation will be of a general nature only and will not take into account your personal objectives, financial situation and needs. Because of that, before acting on any advice provide to you, you should consider its appropriateness to you, having regard to your personal objectives, financial situation and needs.
The Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West rating (assigned February 2026) is limited to General Advice only and has been prepared without considering your objectives or financial situation, including target markets where applicable. The rating is not a recommendation to purchase, sell or hold any product and is subject to change at any time without notice. You should seek independent advice and consider the PDS or offer document before making any investment decisions. Ratings have been assigned based on third party data. Liability is not accepted, whether direct or indirect, from use of the rating. Past performance is not an indication of future performance. Refer to www.chantwest.com.au for full ratings information and their FSG.
The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 (SuperRatings) a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, AFSL No. 421445. Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings use proprietary criteria to determine awards and ratings and may receive a fee for the use of its ratings and awards. Visit superratings.com.au for ratings information. © 2026 SuperRatings. All rights reserved.
The Canstar 2025 Outstanding Value Account Based Pension award was received in September 2025 for MLC MasterKey Pension Fundamentals.
This information is general in nature and does not take into account your objectives, financial situation and needs. Before acting on any of this information, you should consider its appropriateness, having regard to your objectives, financial situation and needs. You should consider obtaining financial advice before making any financial decisions based on this information. It is recommended that you consider the relevant Product Disclosure Statement (PDS) before you make any decisions about your superannuation. A Target Market Determination (TMD) is also available. You can obtain the latest copy of the PDS (or other disclosure documents) and TMD at mlc.com.au or by calling us on 132 652.
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