MLC supports you through every stage of your working life.
Automatic insurance cover (if you’re eligible) to provide peace of mind for you
and your loved ones.
MLC Member Rewards1 is our way of saying thank you for being a member.
Find out more at mlc.com.au.
A super account for life. Transfer to MLC MasterKey Personal Super if you change
jobs or a MLC Pension account in retirement.
1 MLC Member Rewards is provided by an external provider and not part of the Insignia Financial Group.
It's easy to join MLC.
1
Get to know the benefits
The information below gives you a summary of the key benefits and features of your employer’s MasterKey Business Super Plan.
2
Tell your employer
You can join easily by following the instructions in the How to join section below.
3
Make it work for you
Once your employer has registered you, we’ll be in touch with a welcome pack for your new account.
Strong performance from MLC MySuper Growth and High Growth options
Our MySuper Growth Portfolio – where most of our MySuper members are invested - returned 10.5% over the year to 30 September 2025, and 9.5% p.a. over five years.
This strong performance was mainly driven by the Portfolio’s exposure to global share markets, which have continued to perform well despite ongoing economic uncertainty.
But it’s not just share markets driving performance. The Portfolio also includes a mix of alternative assets and unlisted infrastructure, which help spread risk and support long-term growth. This diversified approach means your super savings aren’t relying on just one part of the market to deliver results, making the Portfolio more resilient through different market conditions.
Get the latest opens in new window MLC MySuper investment update.
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. All returns are net of investment fees and tax considerations and do not include administration fees and costs. For details of relevant fees and costs, refer to the PDS and Investment Menu.
How has the MLC MySuper option opens in new window performed?
Investment returns to 30 November 20251
| MLC MySuper2 | 1 month return | 3 month return | 1 year return | 3 year return | 5 year return | 10 year return |
|---|---|---|---|---|---|---|
| MySuper Growth Portfolio | -0.3% | 1.5% | 8.6% | 9.4% | 8.4% | 7.4% |
| MySuper Conservative Balanced Portfolio | -0.1% | 1.3% | 7.5% | 7.6% | 6.1% | NA3 |
| MySuper Cash Portfolio | 0.2% | 0.7% | 3.5% | 3.7% | 2.2% | NA3 |
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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.
1All returns are net of investment fees and tax considerations and do not include 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.
2MLC 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. From age 55, we add a second portfolio, MySuper Conservative Balanced, where a portion of your MySuper balance will be invested. Shortly after you turn 62, you’ll be invested across three portfolios, with a portion of your MySuper balance invested in MySuper Cash.
The MLC 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 return for 2019 is based on the 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 5-years or more is based on return of the MySuper product over that period which had different investment strategies.
3The MySuper Conservative Balanced and MySuper Cash are new portfolios that were formed when the MLC MySuper product investment strategy changed to a lifecycle strategy on 22 March 2019.
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