Ready-made portfolios
Simple choice is a range of actively-managed investment options designed to deliver returns consistent with their objectives, while managing risk.
Each investment option has a different allocation of growth and defensive assets, to reduce the risk and achieve returns. These investment options are managed within defined ranges so you always know where money is invested.
For more information on Simple Choice, see our MLC Simple Choice brochure.
MLC Stable
A diversified portfolio that's weighted towards the more traditionally stable, defensive asset classes of cash and fixed income, with some exposure to growth assets.
Objective: Inflation + 1.5% pa (after fees and tax) over 5 years.
Risk level: Low to Medium.
(estimate of 1 to 2 negative annual returns in any 20 year period)
37% growth / 63% defensive.
Minimum time to invest: 3 years.
MLC Conservative Balanced
A diversified portfolio that has a balanced weighting towards the more traditionally stable, defensive asset classes of cash and fixed income, and those assets that tend to provide higher levels of long-term growth (eg shares).
Objective: Inflation + 2.25% pa (after fees and tax) over 7 years.
Risk level: Medium to high.
(estimate of 3 to 4 negative annual returns in any 20 year period)
56% growth / 44% defensive.
Minimum time to invest: 5 years.
MLC Balanced
A diversified portfolio that’s weighted towards the more traditionally growth-focused assets that tends to provide higher levels of long-term capital growth (eg shares), with some exposure to the more stable, defensive asset classes of cash and fixed income.
Objective: Inflation + 3% pa (after fees and tax) over 10 years.
Risk level: High.
(estimate of 4 to 6 negative annual returns in any 20 year period)
74% growth / 26% defensive.
Minimum time to invest: 7 years.
MLC Growth
A diversified portfolio that’s predominantly weighted towards the more traditionally growth-focused assets that tend to provide higher levels of long-term capital growth (eg shares), with a small exposure to the more stable, defensive asset classes of cash and fixed income.
Objective: Inflation + 3.5% pa (after fees and tax) over 10 years.
Risk level: High.
(estimate of 4 to 6 negative annual returns in any 20 year period)
86% growth / 14% defensive.
Minimum time to invest: 7 years.
MLC High Growth
A diversified portfolio that’s invested in more traditionally-focused growth assets that tend to provide higher levels of long-term capital growth (eg shares), with minimal exposure to the more stable, defensive asset classes of cash and fixed income.
Objective: Inflation + 4% pa (after fees and tax) over 10 years.
Risk level: High.
(estimate of 4 to 6 negative annual returns in any 20 year period)
96% growth / 4% defensive.
Minimum time to invest: 7 years.
MLC Aggressive
A diversified portfolio that uses borrowings to gear its exposure to the more traditionally growth-focused assets that tend to provide higher levels of long-term capital growth (eg shares), with minimal exposure to the more stable, defensive asset classes of cash and fixed income.
Objective: Inflation + 4.5% pa (after fees and tax) over 10 years.
Risk level: High.
(estimate of 4 to 6 negative annual returns in any 20 year period)
128% growth* / 2% defensive.
Minimum time to invest: 7 years.
*Includes gearing of 30%.
Performance
For past performance information contact us on 133 652
For profiles on all options, visit the Fund Profile Tool.
Fees and costs
For all investment fees and costs and transaction costs for each investment option, view the Product Disclosure Statement and Fee Brochure for your product:
• MLC MasterKey Super & Pension Fundamentals PDS (PDF)
• MLC MasterKey Business Super PDS (PDF)
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