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MLC Flexible Moderate MLC Flexible Assertive Return objective Aims to grow by more than inflation +2-3% pa (after fees and tax), subject to limiting the risk of negative returns, over 5 years. Aims to grow by more than inflation +3-4% pa (after fees and tax), subject to limiting the risk of negative returns, over 7 years. Risk consideration Although we carefully manage the investment option, this can't remove the risk that at times, such as in unusually low interest rate environments, when the investment option requires an extended period to achieve its return objective. Although we carefully manage the investment option, this can't remove the risk that at times, such as in unusually low interest rate environments, when the investment option requires an extended period to achieve its return objective.
Minimum suggested time to invest 3 years 7 years
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We understand investors may feel uncertain about simply relying on market performance to deliver the returns they need.
Some of the things they may be worried about are:
- rollercoaster returns from the share market – swings up and down
- big market losses that can set back their investment and are difficult to recover from
- returns that don't keep pace with inflation, so the purchasing power of their money declines, and
- who has the skill and experience to manage their money in a complex, rapidly changing environment.
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MLC Flexible is available for investment in MLC MasterKey super and pension products
MLC Flexible Moderate MLC Flexible Assertive Aims to grow by more than inflation +2-3% pa (after fees and tax), subject to limiting the risk of negative returns, over 5 years.
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(for access through MLC MasterKey Super & Pension Fundamentals, MLC MasterKey Business Super and MLC MasterKey Personal Super)Aims to grow by more than inflation +3-4% pa (after fees and tax), subject to limiting the risk of negative returns, over 7 years.
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(for access through MLC MasterKey Super & Pension Fundamentals, MLC MasterKey Business Super and MLC MasterKey Personal Super)Above-inflation return objective
Each investment option is actively managed to target a return above inflation, rather than simply relying on market performance for returns. That means your clients can be more confident they'll achieve the returns they need.
Experience and track record*
We've successfully used this approach since 2005, a period that included the global financial crisis and the COVID-19 pandemic.
*Past performance is not a reliable indicator of future performance.
Focus on risk management
We aim to achieve target returns by carefully managing risk, particularly by focusing on limiting the risk of big losses that can set back your investment. This also helps smooth the returns of the investment options.
Flexible asset allocation
As markets change, we adjust the mix of assets in the investment options so they are better positioned to deliver returns and manage risk.
Extensive diversification
Investing in a very wide range of assets and strategies gives us many sources of return and ways to manage risk. Our investment options also benefit from the insights of specialist investment managers from all over the world.
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The MLC Flexible investment options are designed for investors who:
- don’t want to just rely on markets to deliver returns
- value active management, and
- expect MLC to change the asset allocation significantly in order to manage risk and achieve returns.
They may be accumulators or those in or nearing retirement.
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The portfolios are available through:
- MLC MasterKey Super & Pension Fundamentals
- MLC MasterKey Business Super
- MLC MasterKey Personal Super
- MLC MasterKey Super & Pension Fundamentals
