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MLC MySuper investment performance update

Strong longer-term performance for MySuper Growth members

The MLC MySuper Growth Portfolio – where the majority of our MySuper members are invested – delivered a strong 9.3% p.a. over five years ending 31 March 2025. The Portfolio also delivered another positive return over the one-year for the same period, returning 5.6%.

The Portfolio’s performance has primarily been driven by its strategic exposure to listed global and Australian shares. Global share market returns have been strong over the past two years driven by investor appetite for US technology stocks, especially the Magnificent Seven (Apple, Microsoft, Google’s parent Alphabet, Amazon, Nvidia, Meta Platforms, and Tesla).

The Portfolio’s exposure to these asset classes has contributed to the overall growth of the Portfolio, with exposure to global share markets providing the potential for significant capital appreciation over the long-term.

Steve Gamerov, Head of Diversified Portfolios at MLC Asset Management noted: “Our investment approach emphasises a long-term focus, prioritising sustained growth and stability. A strong 9.3% p.a. over five years is great news for members in our MySuper Growth Portfolio.

The Portfolio has seized growth opportunities in global share markets, while mitigating market volatility through a diversified mix of high-quality unlisted and alternative assets (investments that are not traded on traditional share markets).

However, the recent rollout of President Trump’s new trade policy has rattled share markets. The United States’ imposition of tariffs – a tax on imports – has triggered higher market volatility and increased concerns that US economy might be headed towards recession. These events are a reminder that macroeconomic factors are ever present, sometimes with more force than usual, like now.

Diversification remains a cornerstone of our investment philosophy. By spreading investments across various asset classes, we aim to reduce risk and enhance returns. This approach not only helps in navigating market volatility but also leads to stronger long-term performance.

We maintain our exposure to alternative investments, like insurance related investments, which provide an attractive source of diversification given their extremely low correlation with share market movements.

Our MySuper Growth Portfolio is continually reviewed to ensure the Portfolio remains well-positioned for changing market environments.”

Our disciplined investment process – supported by rigorous governance and an active approach to portfolio management – ensures we navigate market complexities with prudence, helping to deliver long-term value for our members. Find out about the investment philosophy that guides how we manage your money, our investment process and the managers we use in our portfolios.

Members in our ready-made portfolios also enjoyed positive returns for the 12-months ending 31 March 2025, ranging from 4.3% for the MLC Stable option; 5.0% for the MLC High Growth option; and a return of 5.3% for the MLC Aggressive option. Compare the performance of our different investment options here.

Performance Disclaimer:

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 Fee Brochure.

Latest investment returns to 31 March 2025

 

MLC MySuper
Returns (%)
Annualised Returns (% p.a.)
1 month 3 months 1 year 3 years 5 years 10 years
MySuper Growth Portfolio^ -1.7% -0.9% 5.6% 5.6% 9.3% 6.4%
MySuper Conservative Balanced Portfolio -1.0% -0.2% 5.2% 4.4% 6.4% NA
MySuper Cash Portfolio
0.3% 1.0% 4.0% 3.2% 1.9% NA
 

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.

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