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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. It's easy to choose an investment option that suits your investment objectives and risk appetite.

You can also add MLC Insurance and MLC MasterKey Investment Protection, depending on your needs.

Product features

Key features

  • Receive a steady income stream in retirement
  • Choose from a range of investment options to suit your investment objectives and risk appetite
  • Access your online account, reporting and transactions
  • Transfer seamlessly from a super to pension account
  • Opt for life insurance if you’re 65 or younger
  • Receive special benefits and discounts through MLC Member Rewards

Compare apples with apples. Chant West has awarded MLC MasterKey Pension Fundamentals with their 5 Apples Pension Rating 2018. MLC MasterKey Pension Fundamentals was also recognised as a Chant West Best Pension Fund of the Year 2017 finalist. For further information about the methodology used by Chant West, see

Additional options

MLC Insurance (Super) can provide cover against the financial consequences of injury, sickness or death.

  • Life Cover
  • Total and Permanent Disability (extension to Life Cover)
  • Accidental Death
  • Income Protection

MLC MasterKey Investment Protection

  • Available if you’re 50 or older.
  • Protected Capital - protects your super from negative market movements and grows your balance by locking in market gains each year.
  • Protected Income - provides a certain and secured amount of income each year in retirement. Available for 10 or 20 years, or for life.
  • Available on MLC MasterKey Super & Pension Fundamentals with eligible MLC Horizon and MLC Index Plus investment options.

Find out more

Transitioning to retirement

When you’re ready to transition to retirement it’s easy to move from MLC MasterKey Super Fundamentals.

Open an MLC MasterKey Pension Fundamentals accountApply now

If you are an existing MLC customer, login here