Ready to open an MLC super account?

Got your TFN ready?

Make sure you have your tax file number (TFN) handy, you’ll need it to complete our online application form. Not sure where to find it? Check your pay slips, tax statements or search for it on MyGov.

 

Are you under 15?

You can still join us, just not online. Call us on 132 652 and we’ll help you get started or download and complete our application form.

Is this the one for you?

It’s worth taking time to read the MLC MasterKey Super & Pension Fundamentals Product Disclosure Statement (PDF) and Target Market Determination (PDF) to make sure this product is right for you.

Get started

Looking to open an MLC Pension account? Learn more and join us.

Why choose MLC?

Performance

Super performance, that’s a lifetime in the making

Our MLC High Growth option has delivered strong, long-term results over 5, 7, 10 and 15 years (yep, teacher’s pet). It delivered 9.9% pa over the 15 years to 30 June 2025.1

Financial Coaches

Financial coaching at no extra cost2

Life isn’t always predictable, the right support can make all the difference. That’s why we offer expert super advice, at no extra cost.

Tools

Smart tools to bring you financial clarity

Our suite of tools, calculators and the MLC app, give you clarity on where you are today and where you can go in the future.

The perks of joining MLC MasterKey Super Fundamentals

 

30+ ways to invest your super

The faster your super grows, the sooner you could retire (goodbye meetings that could’ve been emails). With over 30+ investment options, including MLC High Growth, our top long-term performer1, there’s an option to suit every investment goal.

 

Smart tools at your fingertips

We’ve made it easy to manage your super online with our intuitive app, tools and calculators. From budgeting to retirement, we’ve got you covered.

 

Simple fees with no surprises

The growth of your super depends on more than just fees, but knowing exactly what you’re paying makes a big difference.

 

Seamless transition to pension

When you are ready to retire, you can seamlessly transfer to MLC MasterKey Pension Fundamentals. On average, eligible members who have had MLC super for 6 months and meet the eligibility criteria, receive a $5,3973 pension bonus to help kickstart the next chapter.

 

Flexible insurance options

Having insurance through your super can give you and your loved ones peace of mind when it matters most. It’s paid from your super so there’s no impact on your day-to-day budget.

 

MLC Member Rewards

Love a discount? Who doesn’t. MLC Member Rewards has helped our members save over $18,000 in the past 12 months.4

Get confidence with top-rated super

Get confidence with top-rated super

Super Ratings Platinum MySuper 2025 logo
Super Ratings Platinum MyChoice Super 2025 logo
Chant West 5 Apples Highest Quality Fund Super 2025 logo
Super Rating 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.

Get in touch

  Call us

Let's chat on 132 652 (+61 3 9966 5802 if overseas) between 8am and 6pm AEST/AEDT, Monday to Friday

  Email us

Email us questions or feedback through our contact form

  Financial advice

A lifetime of dedication deserves a plan to match. We can connect you with the right type of support for your needs

1 MLC High Growth 30 June 2025 Chant West Super Performance Survey High Growth (81-95%) net returns to 30 June 2025. 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.

2 The Financial Coaches 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 has appointed Actuate to provide general and limited advice services (which includes Simple super advice) to members of relevant products in the MLC Super Fund.  Actuate is also part of the Insignia Financial Group.

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. 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.

3 Over a 12-month period to June 2025. Assumes a Pension Bonus rate of 1.25%, which is accurate as of 1 July 2025 (subject to change).

4 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. Discounted savings information is provided by Lifestyle Rewards as at 1 July 2024 to 1 July 2025.

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Insignia Financial Ltd ABN 49 100 103 722.