The MLC MySuper Growth Portfolio – where the majority of our MySuper members are invested – delivered a strong, double-digit return of 10.1% over the year to 30 June 2025, and 9.2% p.a. over five years. These results reflect the strength of our investment approach and focus on delivering consistent outcomes for members.
The Portfolio’s strong performance has been driven by its strategic focus on both listed global and Australian shares, alongside carefully selected unlisted and alternative assets. This positioning has captured growth opportunities, while also helping to manage volatility through a well-diversified mix of investments.
While recent global events - including shifts in US trade policy and rising tensions in the Middle East - have added to market uncertainty, our disciplined investment approach and focus on diversification continue to support longer-term performance. The Portfolio remains actively managed and well-positioned for a changing market landscape.
In this article, Steve Gamerov, Head of Diversified Portfolios at MLC Asset Management, unpacks the key forces that shaped performance over the financial year and highlights how the MySuper Growth Portfolio is being strategically positioned for the future.
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Our broader range of ready-made portfolios also delivered solid performance, with the MLC High Growth option returning a strong 11.4% over the year to 30 June 2025.
Designed for members seeking higher long-term growth, the MLC High Growth option is a diversified portfolio that’s invested in more traditionally-focused growth assets, such as shares, with minimal exposure to more defensive asset classes like cash and fixed income. Other ready-made options also delivered solid outcomes for the one year to 30 June 2025, ranging from 7.2% for the MLC Stable option to 13.0% for the MLC Aggressive option.
Compare the performance of our different investment options here.
MLC MySuper |
Returns (%) |
Annualised Returns (% p.a.) |
||||
| 1 month | 3 months | 1 year | 3 years | 5 years | 10 years | |
| MySuper Growth Portfolio^ | 1.7% | 4.7% | 11.3% | 9.6% | 9.1% | 7.4% |
| MySuper Conservative Balanced Portfolio | 1.4% | 3.7% | 9.1% | 7.5% | 6.5% | NA |
| MySuper Cash Portfolio |
0.3% | 0.8% | 3.7% | 3.6% | 2.1% | NA |
MLC Simple Choice |
Returns (%) |
Annualised Returns (% p.a.) |
||||
| 1 month | 3 months | 1 year | 3 years | 5 years | 10 years | |
| MLC Aggresive | 2.1% | 6.4% | 14.5% | 9.3% | 14.2% | 11.7% |
| MLC Balanced | 1.7% | 4.6% | 10.7% | 14.8% | 8.4% | 7.2% |
| MLC Conservative Balanced | 1.4% | 3.8% | 8.9% | 9.2% | 6.6% | 5.9% |
| MLC Growth | 1.8% | 5.0% | 11.8% | 7.6% | 9.9% | 8.2% |
| MLC High Growth | 1.9% | 5.5% | 12.8% | 10.5% | 11.3% | 9.4% |
| MLC Stable | 1.1% | 3.0% | 7.3% | 11.8% | 4.7% | 4.3% |
Past performance is not a reliable indicator of future performance. The value of an investment may rise or fall with the changes in the market. The performance returns in this communication are reported after deducting investment fees and tax but are before deducting administration fees and costs. Performance returns are annualised for periods greater than one year. For details of relevant fees and costs, refer to the PDS and Investment Menu.
^ MLC MySuper uses a combination of the three investment portfolios (MySuper Growth, MySuper Conservative Balanced, MySuper Cash), to provide a mix of growth and defensive assets which changes depending on your age. When you’re under age 55 you’ll be 100% invested in MySuper Growth. The MySuper investment strategy changed from a single diversified to a lifecycle strategy on 22 March 2019. The returns for the MySuper Growth Portfolio for the period before 2019 are based on the previous single diversified investment strategy. The returns for 2019 is based on return achieved from 1 July 2018 to 22 March 2019 with the single diversified strategy, and the return achieved from 23 March 2019 to 30 June 2019 with the lifecycle investment strategy. The return for periods of 10-years is based on return on the MySuper product over that period which had different investment strategies.
Important information
This information is provided on behalf of MLC Investments Limited ABN 30 002 641 661 AFSL 230705)("MLCI") as responsible entity of a series of MLC managed investment schemes and NULIS Nominees (Australia) Limited ABN 80 008 515 633 AFSL 236465 (NULIS) as Trustee of the MLC Super Fund ABN 70 732 426 024. MLCI and NULIS are part of the Insignia Financial Group of Companies, comprising Insignia Financial Ltd ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group).
This information is general in nature and has been prepared without taking account of an investor's objectives, financial situation or needs. Because of that, investors should consider obtaining independent advice before making any financial decisions based on this information.
Investors should obtain the relevant Product Disclosure Statement before making any decision about whether to acquire or continue to hold the product. A copy of the Product Disclosure Statement or other disclosure document is available on mlc.com.au or plum.com.au.
Past performance is not a reliable indicator of future performance. The value of an investment may rise or fall with the changes in the market.
Any opinions expressed in this presentation constitute our judgement at the time of issue and are subject to change. MLCI and NULIS believe that the information contained in this communication is correct and that any estimates, opinions, conclusions or recommendations are reasonably held or made at the time of compilation. However, no warranty is made as to their accuracy or reliability (which may change without notice) or other information contained in this presentation. Any projection or forward looking statement ('Projection') in this communication is provided for information purposes only. No representation is made as to the accuracy or reasonableness of any such Projection or that it will be met. Actual events may vary materially.
Awards and ratings are only one factor to take into account when choosing a super fund for more details on MLC SuperFund’s awards visit mlc.com.au/awards
The Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West rating (assigned February 2025) 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 towww.chantwest.com.au for full ratings information and our FSG.
The rating is issued by SuperRatingsPty 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. © 2025 SuperRatings. All rights reserved.
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