Super that’s building towards a confident retirement
Our investment performance continues to deliver for members, with MLC’s MySuper Growth Portfolio achieving an average return of 10.3% p.a. over 3 years and MLC’s High Growth option returning a strong 11.9% p.a. over the same period to 30 September 2026.
Take a look at how our main investment options performed.
MySuper Growth Portfolio performance
Our MLC MySuper Growth Portfolio has delivered a 7.3% p.a. return for the 12 months to 30 September 2026.
Longer term returns confirm the positive trend; returns to 30 September 2026 averaged 10.3% p.a. over 3 years, and 7.0% p.a. over 5 years.
What this means for you
If you had $50,000 invested 3 years ago in the MySuper Growth Portfolio and made no contributions, your balance would now be an estimated $67,096.1
High Growth performance
This investment option is designed for members who are comfortable with more ups and downs in returns, in exchange for potentially higher long term growth. It delivered 7.4% p.a. for the 12 months to 30 September 2026.
Longer-term performance remains strong, with returns averaging 11.9% p.a. over three years and 7.6% p.a. over five years to 30 September 2026.
What this means for you
If you had $50,000 invested 3 years ago in the MLC High Growth option and made no contributions, your balance would now be an estimated $70,058.1
What’s driven performance?
Strong performance from global share markets helped support these returns. Investments across a range of assets, including data centres and renewable energy projects, also contributed to the result.
Our expert investment team actively monitor investments and makes changes when needed, helping to manage risk and identify opportunities to support members' long-term retirement goals.
While market conditions will continue to evolve, we remain optimistic about the opportunities ahead and the benefits of maintaining a long-term investment approach.
A diversified mix of listed and unlisted investments continues to play an important role in supporting portfolios, helping members benefit from opportunities across a broad range of asset classes and market environments.
Our focus remains on helping you grow your super over the long term, while managing risk during periods of market ups and downs.
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MLC MySuper
|
Returns (%) | Annualised Returns (% p.a.) | ||||
| 1 month | 3 months | 1 year | 3 years | 5 years | 10 years | |
| MySuper Growth Portfolio^ | -0.2% | 1.4% | 7.3% | 10.3% | 7.0% | 7.7% |
| MySuper Conservative Balanced Portfolio | -0.4% | 0.7% | 5.5% | 8.2% | 5.2% | NA |
| MySuper Cash Portfolio | 0.3% | 1.0% | 3.5% | 3.7% | 2.9% | NA |
MLC Simple Choice
|
Returns (%) | Annualised Returns (% p.a.) | ||||
| 1 month | 3 months | 1 year | 3 years | 5 years | 10 years | |
| MLC Aggressive | -1.3% | 1.2% | 7.1% | 13.8% | 8.5% | 11.8% |
| MLC High Growth | -0.5% | 1.6% | 7.4% | 11.9% | 7.6% | 9.7% |
| MLC Growth | -0.5% | 1.5% | 7.2% | 11.0% | 6.9% | 8.5% |
| MLC Balanced | -0.3% | 1.4% | 7.2% | 10.2% | 6.2% | 7.5% |
| MLC Conservative Balanced | -0.4% | 1.0% | 6.4% | 8.7% | 5.5% | 6.0% |
| MLC Stable | -0.4% | 0.4% | 5.0% | 6.9% | 4.3% | 4.3% |
MLC Socially Responsible
|
Returns (%) | Annualised Returns (% p.a.) | ||||
| 1 month | 3 months | 1 year | 3 years | 5 years | 10 years | |
| MLC Socially Responsbile Growth | -0.2% | 1.0% | 8.6% | 14.2% | NA | 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 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.
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.
1 Assuming that the member invested $50,000 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.
Important information
This information is by NULIS Nominees (Australia) Limited ABN 80 008 515 633 AFSL 236465 (NULIS) as Trustee of the MLC Super Fund ABN 70 732 426 024. NULIS is 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.
Any opinions expressed in this presentation constitute our judgement at the time of issue and are subject to change. 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.
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.
The Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West rating (assigned February 2026) is limited to General Advice only and has been prepared without considering your objectives or financial situation, including target markets where applicable. The rating is not a recommendation to purchase, sell or hold any product and is subject to change at any time without notice. You should seek independent advice and consider the PDS or offer document before making any investment decisions. Ratings have been assigned based on third party data. Liability is not accepted, whether direct or indirect, from use of the rating. Past performance is not an indication of future performance. Refer to www.chantwest.com.au for full ratings information and the FSG.
The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 (SuperRatings) a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, AFSL No. 421445. 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 SuperRatings assumes no obligation to update. SuperRatings use proprietary criteria to determine awards and ratings and may receive a fee for the use of its ratings and awards. Visit superratings.com.au for ratings information. © 2026 SuperRatings. All rights reserved.
The Heron Partnership has awarded Plum Super with 5 Stars in its Heron Quality Star Ratings for 2026.The award recognises Plum Super as an “outstanding product with a great depth of features and flexibility”. The 5 Stars rating is based on Heron's assessment of Plum’s investment arrangements, insurance, communications, contributions and ancillary benefits. It takes into account an analysis of about 120 features used to compare super funds in the Australian marketplace to assess the strengths and weaknesses of each fund. For details about The Heron Partnership’s ratings methodology refer to www.heronpartners.com.au
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