For Annual Benefit Statement for Financial Year 2024-2025, please visit: Statements - Plum
Our investment team continues to closely monitor global developments, including recent events in the Middle East, to carefully manage your super through changing market conditions. You can read more here.
Super that works hard towards your retirement
It’s been another strong year for MySuper Growth returns and your retirement savings.
Here’s a look at how it has performed.
MySuper Growth performance
To 31 December 2025
If you’re in our MySuper Growth option, your super grew by 9.6% in the year to December 2025.
Looking longer term, returns to 31 December 2025 have averaged 10.2% a year over 3 years and 8.4% a year over 5 years, placing this option among the top three MySuper performers surveyed over the 5‑year period according to SuperRatings1
What this means for you
If you had $50,000 invested five years ago and made no contributions, your balance would now be an estimated $74,837.2
These returns came mainly from strong global share markets, especially technology companies. To help smooth out market ups and downs, your super is also invested in things like property, private companies, and essential infrastructure such as roads and airports.
This mix helps protect your savings through changing conditions, while keeping your money working steadily towards your retirement.
High Growth performance
To 31 December 2025
This option is designed for members who are comfortable with more ups and downs in returns in exchange for higher long‑term growth. To 31 December 2025, it delivered a 10.5% return over the year and an average of 10.1% p.a. over five years, placing it among the top five High Growth performers in Australia according to SuperRatings1
What this means for you
If you had $50,000 invested five years ago and made no contributions, your balance would now be an estimated $80,892.2
Returns were driven by investments in global share markets, giving you exposure to many of the world’s largest companies. While this option aims for higher growth, our investment experts actively manage and balance the portfolio to help navigate major market changes.
What’s ahead?
We’re continuing to monitor recent events in the Middle East, but our focus remains firmly on managing your super with a long-term view that’s designed to navigate short-term market movements. Your super remains broadly diversified, and you can read our latest update on this here.
Fuel your super growth
Feeling good about these strong returns? Now could be a great time to give your super a boost. Add a little extra before 30 June and you’ll be building your balance for the long term, with the added bonus of potential tax savings.
Learn more about the different types of contributions and if you're a member, log in below and click ‘Add Money to my super’ to make a contribution today.
Want to get the basics right? Learn how investing works and what to consider when choosing an investment option here.
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Login to see the investment options and performance returns for your plan.
MLC MySuper
|
Returns (%) | Annualised Returns (% p.a.) | ||||
| 1 month | 3 months | 1 year | 3 years | 5 years | 10 years | |
| MySuper Growth Portfolio^ | 1.1% | 2.5% | 10.7% | 9.9% | 8.4% | 8.0% |
| MySuper Conservative Balanced Portfolio | 0.9% | 2.0% | 8.8% | 8.0% | 6.2% | NA |
| MySuper Cash Portfolio | 0.2% | 0.8% | 3.3% | 3.7% | 2.4% | NA |
MLC MySuper
|
Returns (%) | Annualised Returns (% p.a.) | ||||
| 1 month | 3 months | 1 year | 3 years | 5 years | 10 years | |
| MLC Aggressive | 1.6% | 3.2% | 12.3% | 14.4% | 11.9% | 12.7% |
| MLC High Growth | 1.3% | 3.0% | 12.0% | 11.8% | 10.1% | 10.3% |
| MLC Growth | 1.3% | 2.9% | 11.3% | 10.8% | 8.9% | 8.9% |
| MLC Balanced | 1.1% | 2.6% | 10.8% | 9.8% | 7.8% | 7.8% |
| MLC Conservative Balanced | 1.0% | 2.3% | 9.6% | 8.3% | 6.4% | 6.3% |
| MLC Stable | 0.8% | 1.9% | 7.9% | 6.7% | 4.8% | 4.5% |
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.
^ MLC MySuper uses a combination of the three investment portfolios (MySuper Growth Portfolio, MySuper Conservative Balanced Portfolio, MySuper Cash Portfolio), 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 the MySuper Growth Portfolio. 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 returns 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 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).
The information in this communication is general in nature and does not take into account your objectives, financial situation or needs. Because of that, before acting on this information, you should consider its appropriateness, having regard to your objectives, financial situation and needs, plus consider the relevant Product Disclosure Statement (PDS). You can obtain a copy of the PDS (or other disclosure documents) and the Target Market Determination by searching the applicable product at plum.com.au or by calling us on 1300 55 7586. We recommend you obtain financial advice tailored to your own personal circumstances. Subject to super law, the final authority on any issue relating to your account is the Fund’s Trust Deed, and any applicable participation agreement and insurance policy, which govern your rights and obligations as a member. You can find more information on the MLC Super Fund, the Trustee and executive remuneration, and other Fund documents at mlc.com.au/yoursuperfund.
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.
1 SuperRatings Fund Crediting Rate Survey, SR50 MySuper Index and the SR High Growth (91-100) Index to 31/12/2025. Returns are calculated net of investment fees, tax and implicit asset-based administration fees. Explicit fees such as fixed dollar administration fees, exit fees, contribution fees and switching fees are excluded. Past performance is not a reliable indicator of future performance. Ratings are only one factor to be taken into account when choosing a super fund.
2 Assuming that the member invested in the MLC MySuper Growth Portfolio or MLC High Growth achieved the historical annualised return over the indicated period. The calculated amount does not take into account any transactions, including contributions, administration fees and costs and/or any insurance premiums charged to the MLC account over this period which would change the final balance. Past performance is not a reliable indicator of future performance.
Awards and ratings are only one factor to take into account when choosing a super fund. For more details on Plum Super Fund’s awards visit plum.com.au/awards.
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