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Retirement products

Your future is unique. So are our retirement options.

Everyone's financial plan is different. That's why we've created a range of retirement options with sophisticated investment choices to build your wealth while you receive a steady income stream. Our options are designed to help fund the lifestyle you want in retirement.

Start thinking about what you'll need tomorrow, today.

MLC MasterKey Pension Fundamentals

An easy-to-manage pension account that allows you to control your retirement income stream and make the most of your retirement investments.

  • You can commence an Account Based Pension or a Transition to Retirement (TTR) Pension.
  • Receive a steady income stream in retirement.
  • Choose from a range of investment options to suit your investment objectives and risk appetite.
  • The option to protect your capital or income against market downturns using MLC MasterKey Investment Protection.
  • You may be eligible for a Pension Bonus on your first MLC MasterKey retirement-phase pension.

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Expand Essential Pension

Build a simple and low-cost diversified portfolio with your adviser.

  • 22 diversified and single sector multi-manager funds and 10 SMA model portfolios managed by the highly rated MLC Asset Management team.
  • Low administration fee and account keeping fee.
  • Secure online access to your accounts via Expand Online and the Expand app.

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Expand Extra Pension

Build a bespoke and diversified portfolio with wide investment choice with your adviser.

  • More ways to build customised portfolios with over 500 managed funds, a range of SMA model portfolios, S&P All Ords Index, term deposits and annuities.
  • Competitive fees and access to family fee aggregation.
  • Secure online access to your accounts via Expand Online and the Expand app.

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