CLIENT INVESTMENT UPDATE
Superannuation Products Appendix
31 December 2015
General advice warning and disclaimer
The information in this presentation has been provided by MLC Limited (ABN 90 000 000 402) a member of the
National Australia Bank group of companies, 105–153 Miller Street, North Sydney 2060.
This communication contains general information and may constitute general advice. Any advice in this communication
has been prepared without taking account of individual objectives, financial situation or needs. It should not be relied
upon as a substitute for financial or other specialist advice.
Before making any decisions on the basis of this communication, you should consider the appropriateness of its content
having regard to your particular investment objectives, financial situation or individual needs. You should obtain a
Product Disclosure Statement or other disclosure document relating to any financial product issued by MLC Nominees
Pty Ltd (ABN 93 002 814 959) as trustee of The Universal Super Scheme (ABN 44 928 361 101) and consider it 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 upon request by phoning the MLC call centre on 132 652 or on our
website at mlc.com.au.
An investment in any product offered by a member company of the National Australia Bank group of companies does
not represent a deposit with or a liability of the National Australia Bank Limited ABN 12 004 044 937 or other member
company of the National Australia Bank group and is subject to investment risk including possible delays in repayment
and loss of income and capital invested. None of the National Australia Bank Limited, MLC Limited, MLC Investments
Limited or other member company in the National Australia Bank group guarantees the capital value, payment of
income or performance of any financial product referred to in this publication.
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. Returns are not guaranteed and actual returns may vary from target returns described in this
document. Please note that all performance reported is before management fees and taxes, unless otherwise stated.
2
Table of contents
1.
MLC Inflation Plus Assertive
Portfolio
10.
MLC Australian Share Fund
2.
MLC Inflation Plus Moderate
Portfolio
11.
MLC Global Share Fund
3.
MLC Inflation Plus Conservative
Portfolio
12.
MLC Global Property Fund
4.
MLC Horizon 2 Capital Stable Portfolio
13.
MLC Property Securities Fund
5.
MLC Horizon 3 Conservative
Growth Portfolio
14.
MLC Diversified Debt Fund
6.
MLC Horizon 4 Balanced Portfolio
15.
MLC IncomeBuilder Fund
7.
MLC Horizon 5 Growth Portfolio
16.
MLC Index Plus Conservative Growth
8.
MLC Horizon 6 Share Portfolio
17.
MLC Index Plus Balanced Portfolio
9.
MLC Horizon 7 Accelerated Growth
Portfolio
18.
MLC Index Plus Growth Portfolio
3
1. MLC Inflation Plus Assertive Portfolio
Total returns
Absolute performance
MLC INFLATION PLUS – ASSERTIVE PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
4
1. MLC Inflation Plus Assertive Portfolio
Returns relative to benchmark
Excess return vs. reference benchmark
MLC INFLATION PLUS – ASSERTIVE PORTFOLIO (BEFORE FEES AND TAX, CALENDAR YEARS*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
5
1. MLC Inflation Plus Assertive Portfolio
Asset class returns
Total return by asset class
MLC INFLATION PLUS – ASSERTIVE PORTFOLIO (BASED ON STRATEGIC ASSET ALLOCATION, BEFORE FEES)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
6
2. MLC Inflation Plus Moderate Portfolio
Asset class returns
Total return by asset class
MLC INFLATION PLUS MODERATE PORTFOLIO (BEFORE FEES AND TAX)
As at 30 September 2015
Source: JANA Corporate Investment Services Limited
7
3. MLC Inflation Plus Conservative Portfolio
Asset class returns
Total return by asset class
MLC INFLATION PLUS CONSERVATIVE PORTFOLIO (BEFORE FEES AND TAX)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
8
4. MLC Horizon 2 Capital Stable Portfolio
Total returns
Absolute performance
MLC HORIZON 2 CAPITAL STABLE PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
9
4. MLC Horizon 2 Capital Stable Portfolio
Returns relative to benchmark
Excess return vs reference benchmark
MLC HORIZON 2 CAPITAL STABLE PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
10
4. MLC Horizon 2 Capital Stable Portfolio
Asset class returns
Total return by asset class
MLC HORIZON 2 CAPITAL STABLE PORTFOLIO (BEFORE FEES AND TAX)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
11
4. MLC Horizon 2 Capital Stable Portfolio
Peer relative returns
Performance relative to peer group
PEER GROUP (5-95%): CONSERVATIVE SUPER
Peer universe is the MLC Superannuation Conservative Universe
Source: Morningstar Direct
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
12
5. MLC Horizon 3 Conservative Growth Portfolio
Total returns
Absolute performance
MLC HORIZON 3 CONSERVATIVE GROWTH PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
13
5. MLC Horizon 3 Conservative Growth Portfolio
Returns relative to benchmark
Excess return vs reference benchmark
MLC HORIZON 3 CONSERVATIVE GROWTH PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
14
5. MLC Horizon 3 Conservative Growth Portfolio
Asset class returns
Total return by asset class
MLC HORIZON 3 CONSERVATIVE GROWTH PORTFOLIO (BEFORE FEES AND TAX)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
15
5. MLC Horizon 3 Conservative Growth Portfolio
Peer relative performance
Performance relative to peer group
PEER GROUP (5-95%): MODERATE SUPER
Peer universe is the MLC Superannuation Moderate Universe
Source: Morningstar Direct
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
16
6. MLC Horizon 4 Balanced Portfolio
Total returns
Absolute performance
MLC HORIZON 4 BALANCED PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
17
6. MLC Horizon 4 Balanced Portfolio
Returns relative to benchmark
Excess return vs reference benchmark
MLC HORIZON 4 BALANCED PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
18
6. MLC Horizon 4 Balanced Portfolio
Asset class returns
Total return by asset class
MLC HORIZON 4 BALANCED PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
19
6. MLC Horizon 4 Balanced Portfolio
Peer relative performance
Performance relative to peer group
PEER GROUP (5-95%): BALANCED SUPER
Peer universe is the MLC Superannuation Moderate Universe
Source: Morningstar Direct
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
20
7. MLC Horizon 5 Growth Portfolio
Total returns
Absolute performance
MLC HORIZON 5 GROWTH PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
21
7. MLC Horizon 5 Growth Portfolio
Returns relative to benchmark
Excess return vs reference benchmark
MLC HORIZON 5 GROWTH PORTFOLIO (BEFORE FEES AND TAX)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
22
7. MLC Horizon 5 Growth Portfolio
Asset class returns
Total return by asset class
MLC HORIZON 5 GROWTH PORTFOLIO (BEFORE FEES AND TAX)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
23
7. MLC Horizon 5 Growth Portfolio
Peer relative performance
Performance relative to peer group
PEER GROUP (5-95%): GROWTH SUPER
Peer universe is the MLC Superannuation Moderate Universe
Source: Morningstar Direct
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
24
8. MLC Horizon 6 Share Portfolio
Total returns
Absolute performance
MLC HORIZON 6 SHARE PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
25
8. MLC Horizon 6 Share Portfolio
Returns relative to benchmark
Excess return vs reference benchmark
MLC HORIZON 6 SHARE PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
26
8. MLC Horizon 6 Share Portfolio
Asset class returns
Total return by asset class
MLC HORIZON 6 SHARE PORTFOLIO (BEFORE FEES)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
27
8. MLC Horizon 6 Share Portfolio
Peer relative performance
Performance relative to peer group
PEER GROUP (5-95%): HIGH GROWTH SUPER
Peer universe is the MLC Superannuation High Growth Universe
Source: Morningstar Direct
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
28
9. MLC Horizon 7 Accelerated Growth Portfolio
Total returns
Absolute performance
MLC HORIZON 7 ACCELERATED GROWTH PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
29
9. MLC Horizon 7 Accelerated Growth Portfolio
Returns relative to benchmark
Excess return vs reference benchmark
MLC HORIZON 7 ACCELERATED GROWTH PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
30
9. MLC Horizon 7 Accelerated Growth Portfolio
Asset class returns
Total return by asset class
MLC HORIZON 7 ACCELERATED GROWTH PORTFOLIO (BEFORE FEES)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
31
10. MLC Australian Share Fund
Total returns
Historical absolute performance
MLC AUSTRALIAN SHARE SECTOR STRATEGY (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
32
11. MLC Global Share Fund
Total returns
Historical absolute performance
MLC GLOBAL SHARE STRATEGY (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
33
12. MLC Global Property Fund
Total returns
Historical absolute performance
MLC GLOBAL PROPERTY SECURITIES STRATEGY (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
34
13. MLC Property Securities Fund
Total returns
Historical absolute performance
MLC PROPERTY SECURITIES STRATEGY (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
35
14. MLC Diversified Debt Fund
Total returns
Historical absolute performance
MLC DIVERSIFIED DEBT STRATEGY (BEFORE ACCOUNT FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
36
14. MLC Diversified Debt Fund
Asset class contribution
Total return by asset class
MLC DIVERSIFIED DEBT STRATEGY (BEFORE FEES AND TAX)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
37
15. MLC IncomeBuilder Fund
Manager excess returns
Manager performance in excess of the index
MLC INCOMEBUILDER STRATEGY (BEFORE FEES AND TAX)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
38
16. MLC Index Plus Conservative Growth Portfolio
Total returns
Absolute performance
MLC INDEX PLUS CONSERVATIVE GROWTH PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
39
16. MLC Index Plus Conservative Growth Portfolio
Returns relative to benchmark
Excess return vs reference benchmark
MLC INDEX PLUS CONSERVATIVE GROWTH PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
40
16. MLC Index Plus Conservative Growth Portfolio
Asset class returns
Total return by asset class
MLC INDEX PLUS CONSERVATIVE GROWTH PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
41
17. MLC Index Plus Balanced Portfolio
Total returns
Absolute performance
MLC INDEX PLUS BALANCED PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
42
17. MLC Index Plus Balanced Portfolio
Returns relative to benchmark
Excess return vs reference benchmark
MLC INDEX PLUS BALANCED PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
43
17. MLC Index Plus Balanced Portfolio
Asset class returns
Total return by asset class
MLC INDEX PLUS BALANCED PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
44
18. MLC Index Plus Growth Portfolio
Total returns
Absolute performance
MLC INDEX PLUS GROWTH PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
45
18. MLC Index Plus Growth Portfolio
Returns relative to benchmark
Excess return vs reference benchmark
MLC INDEX PLUS GROWTH PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
46
18. MLC Index Plus Growth Portfolio
Asset class returns
Total return by asset class
MLC INDEX PLUS GROWTH PORTFOLIO (BEFORE FEES AND TAX*)
As at 31 December 2015
Source: JANA Corporate Investment Services Limited
47