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.
The High Growth Option returned 11.5% over the past 12-months, thanks to its significant exposure to global share markets. The option also returned a strong 11.8% p.a. over 5-years to 30 September 2025.
While the option is primarily focused on traditional growth assets like shares, it also includes some exposure to unlisted investments — such as private equity, property and infrastructure — which add an extra layer of diversification and long-term growth potential.
This option is designed for members who are comfortable with a higher level of risk and are looking for strong long-term growth over time. It’s about aiming for higher returns, while still having some balance to help manage market ups and downs.
You can find the performance of our different investment options here.
Global uncertainty – from trade tensions to geopolitical risks - continues to shape the investment landscape.
With share markets currently sitting at relatively high valuations, we’re taking a cautious, long-term approach. That means staying diversified across regions, industries and asset types, and being ready to act when new opportunities arise.
In short: we’re focused on keeping your investments resilient, while looking for smart ways to grow your retirement savings.
Want to get the basics right? Learn how investing works, what to consider when choosing an investment option, and the different types of asset classes 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.
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^ | 0.7% | 3.9% | 10.5% | 11.0% | 9.5% | 7.7% |
MySuper Conservative Balanced Portfolio | 0.6% | 3.1% | 8.6% | 8.6% | 6.7% | NA |
MySuper Cash Portfolio | 0.3% | 0.8% | 3.7% | 3.7% | 2.2% | NA |
MLC MySuper
|
Returns (%) | Annualised Returns (% p.a.) | ||||
1 month | 3 months | 1 year | 3 years | 5 years | 10 years | |
MLC Aggressive | 0.2% | 4.4% | 12.1% | 17.6% | 14.7% | 12.2% |
MLC High Growth | 0.5% | 4.3% | 11.5% | 13.7% | 11.8% | 9.8% |
MLC Growth | 0.6% | 4.0% | 10.6% | 12.3% | 10.3% | 8.5% |
MLC Balanced | 0.6% | 3.8% | 9.9% | 10.9% | 8.8% | 7.4% |
MLC Conservative Balanced | 0.7% | 3.3% | 8.4% | 8.8% | 6.9% | 6.0% |
MLC Stable | 0.6% | 2.6% | 7.0% | 7.0% | 4.9% | 4.4% |
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.