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 over shorter periods of time.
• 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.

Choice of three trusts

Select the trusts with the right return target and investment timeframe to help your clients achieve their financial goals.

Above-inflation return objective

Each trust 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

The flexible, outcome-focused approach used to manage these Trusts has been successfully used by our investment experts since 2005, a period that included the global financial crisis and the COVID-19 pandemic. And the funds are designed and managed using MLC's market-leading investment process, including our unique forward-looking investment approach.*

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 can also help smooth the returns of the funds.

Flexible asset allocation

As markets change, we adjust the mix of assets in the funds 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 funds also benefit from the insights of specialist investment managers from all over the world.

* Past performance is not a reliable indicator of future performance.

*The rating issued February 2024 – MLC0667AU; February 2024 – MLC0920AU; February 2024 – MLC0921AU; are published by Lonsec
Research Pty Ltd opens in new window ABN 11 151 658 561 AFSL 421 445 (Lonsec). 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 Lonsec assumes no obligation to update. Lonsec uses objective criteria and receives a fee from the Fund Manager. Visit lonsec.com.au for ratings information and to access the full report. © 2020 Lonsec. All rights reserved.

For further information regarding Lonsec Research methodology, please refer to http://www.lonsecresearch.com.au

**The Zenith Investment Partners (ABN 27 103 132 672, AFS Licence 226872) (“Zenith”) rating for APIR MLC0921AU; APIR MLC0920AU and APIR MLC0667AU (all assigned in October 2024) referred to in this piece is limited to “General Advice” (s766B Corporations Act 2001) for Wholesale clients only. This advice has been prepared without taking into account the objectives, financial situation or needs of any individual, including target markets of financial products, where applicable, and is subject to change at any time without prior notice. It is not a specific recommendation to purchase, sell or hold the relevant product(s). Investors should seek independent financial advice before making an investment decision and should consider the appropriateness of this advice in light of their own objectives, financial situation and needs. Investors should obtain a copy of, and consider the PDS or offer document before making any decision and refer to the full Zenith Product Assessment available on the Zenith website. Past performance is not an indication of future performance. Zenith usually charges the product issuer, fund manager or related party to conduct Product Assessments. Full details regarding Zenith’s methodology, ratings definitions and regulatory compliance are available on our Product Assessments and at Fund Research Regulatory Guidelines.

MLC Real Return is designed for investors who:

• Is pre-retirement or in retirement
• Wants greater confidence in achieving their financial goals through seeking specific levels of above inflation returns over specific periods of time
• Want to reduce significant negative impacts to their portfolio and a smoother path of returns and accepts that the return achieved by the funds may be significantly higher or lower than their objectives
• Want an investment that’s diversified across markets, asset classes and strategies and the investment manager to flexibly adjust the funds’ asset allocation in accordance with its changing view of potential risks and opportunities in investment markets
• Require either a core/satellite investment or a whole of portfolio solution
• Understands they may receive fluctuating levels of income

They may be accumulators or those in or nearing retirement.

The trusts are available through:

• mFund Settlement Service
• Expand Essential
• Expand Extra
• MLC Investment Trust