Mlc wrap super series 2 product disclosure statement 5 about mlc wrap super series 2 manage your super and retire on your own terms. Hub24 is building a strong reputation as a leading platform and managed portfolio provider, utilising its innovative technology solutions to help deliver even greater value for customers. All information in the insurance pds about agreed value income protection insurance will apply only. Our income protection insurance provides a wide range of benefits and additional options to suit your needs. The investment fees in the pdsand the investment menuare shown after allowing for this rebate. Vanguard today transferred the vanguard personal superannuation plan to the plum personal plan and the vanguard personal pension plan to mlc wrap super pension service. Refer to the mlc masterkey super and pension fundamentals product disclosure. Product disclosure statements contact our team mlc life. Make the most of your retirement investments with mlc masterkey pension fundamentals. Plum retirement income is a pension that provides you with a simple and flexible way to convert your super into a regular income stream when you.
Superannuation may sound complex but it is really just the money you put away for your retirement. Mlc masterkey superannuation gold star platinum global fund is a superannuation fund incorporated in australia. The supplementary pds and the superannuation pds are issued by nulis nominees australia limited. Product disclosure statements contact our team mlc. Pds the original offer for mlc insurance and mlc insurance super. Mlc masterkey allocated pension gold star investsmart. Mlc masterkey investment service 5% entry fee rebate. The funds objective is to provide a return that meets its benchmark before fees and tax. Pension service 1 july 2010 reference guide portfolio services premiumchoice retirement service series 2 product disclosure statement superannuation service pension service preparation date 1 october 2019 issued by nulis nominees australia limited the trustee abn 80 008 515 633 afsl 236465 premiumchoice retirement service the service abn. Mlc navigator retirement plan is a subplan of the mlc superannuation fund and is designed to enable the establishment of a diversified portfolio accessing the primary investment markets of cash, fixed interest, equities and property through a variety of investment strategies. The fund ratings firm has named finalists across 10 categories, including super and pension funds of the year. For a full list of our investment options, please refer to our product information pages on mlc.
You should consider these documents before making a final decision to transfer your account balance from mlc masterkey pension fundamentals to mlc masterkey super fundamentals. Mlc master policy document work and the pds contain the full legal terms which govern the employers and your interest in the scheme and mlc super group insurance. To find out more about mlc insurance super see the mlc insurance super pds, speak with your financial adviser or call us on 1800 112 324. Home mlc life insurance protecting you sits at the heart. Changes to the fees you pay weve changed our fees from 1 december 2011. Pension administration software lrs retirement solutions. The other problem with mlc super is that you only get limited reporting.
Mlc masterkey pension mlc index plus balanced portfolio is a pension fund incorporated in australia. Application form application form when applying for mlc insurance and for mlc insurance super. If you have insurance in your mlc masterkey business super account with a provider other than mlc limited, you can access your pds, including insurance guide, by logging into your account at mlc. Insura nce from mlc page 1 supplementary product disclosure statement spds this spds supplements and should be read together with the mlc insurance and mlc insur ance super product disclosur e statement dated 10 september 2012.
Mlc navigator access super and pension the super and pension service. How to open an account for mlc superannuation fund. Pensionpro is a leader in workflow management software for thirdparty administrators supporting over 100,000 plans. The pds is supplemented by deleting the text and table on page 17 along with the remainder of the table on page 18 and replacin g it with the following. Mlc wrap super series 2 gives you the control and flexibility to build a super or pension portfolio completely tailored to your individual objectives. Plum retirement income product disclosure statement. Handwerkersoftware als ganzheitliche komplettlosung pds. Mlc masterkey superannuation gold star horizon 4 balanced. Refer to the mlc masterkey super and pension fundamentals product disclosure statement pdf. Chant west has awarded mlc masterkey pension fundamentals with their 5 apples pension rating 2018. Owned by the national australia bank, one of the largest financial.
The fund aims to provide capital growth over the long term. Established in 2011, mlc wrap super is only available through a licensed financial adviser or authorised representative. If youve chosen to receive your statements online only available for mlc life cover super annual statements, youll receive an email notification from us on the mailing date. Mlc personal protection portfolio and mlc life cover super pds. This pds provides a summary of significant information you should consider before investing in this product.
Mlc wrap super series 2 is part of the mlc superannuation fund and is a fullservice wrap platform. Mlc limited is part of the nippon life insurance group and is not part of the nab group of companies. Plum super plum personal plan product disclosure statement. Its easy to choose an investment option that suits your investment objectives and risk appetite. Otherwise allow 35 working days for statements to be delivered within australia, and 1421 days for international deliveries. Product disclosure statements for financial products offered through investsmart can be downloaded from this website or obtained by contacting 0 880 160. Mlc masterkey pension fundamentals application form1 of 28. The finalists of the chant westconexus financial super fund awards have been announced by the research house chant west. In the event of a difference between the policy document and this pds, the terms as set out in this pds prevail. The mlc private equity program is one of the largest and most established. The incorporated by reference materials form part of the pds and you should also read these documents. Mlc masterkey superannuation gold star platinum global fund.
Workflow is the ultimate tracking mechanism to ensure your staff and your business are positioned for continued growth. Iiml is the trustee of the ioof portfolio service superannuation fund fund, abn 70 815 369 818. Type of fee or cost amount how and when paid option to pay the contribution or pension. With my new industry fund, everything is transparent, available online and updated regularly. Mlc masterkey superannuation gold star australian share. The mlc group of companies refers to all companies including the trustee offering services within the.
Product disclosure statement this product disclosure statement pds or statement is a summary of significant information. When you reach age 65 or retire any time after your preservation age you can choose to take your super as a lump sum or you can manage it through a pension account. Supplementary questionnaire additional underwriting questions you may need to answer, depending on your. Fee flyer information on fees and costs you will pay. Macquarie super and pension consolidator ii macquarie bank. Super fund awards finalists announced investment magazine. Product disclosure statement 1 october 2019 this pds is a summary of significant information. Mlc wrap super supplementary product disclosure statement spds these fees apply to both super and pension accounts. Product disclosure statement superannuation service pension service preparation date. This product closed to new investors effective 1 july 2014.
Mlc limited is part of the nippon life insurance group and not a part of the nab group of companies. Keep our tips in mind for how to choose a super fund, and always read the product disclosure statement pds before you sign up for any. Hub24 your comprehensive investment and superannuation platform. This pds does not constitute and should not be construed as an offer, invitation or recommendation by mlc to apply for life insurance in any state, country or. Workflow enables your business to reach its full potential through efficiency and profitability. The best way to secure your financial future is to start with clear goals in mind. In deciding whether to acquire or continue to hold an investment, you should. Mlc masterkey pension fundamentals was established in 2007 to service the retirement needs of members from a wide range of industries. How to open 6 an account this product disclosure statement is a summary of significant information and. The information provided in this pds is general information only and does not take into account your personal financial situation or needs.
Throughout this pds, the term offer document is used to describe both the investor direct portfolio service idps guide for the investment service and the product disclosure statement pds for the super and pension service. This qantas super gateway product disclosure statement pds has been prepared by the. Mlc masterkey pension was established in 2007 and is designed for individuals who are looking for a high level of service, flexibility and investment choices. The ioof portfolio service term allocated pension is a pension product in the fund. Please read this spds carefully to make sure you understand the changes described and how they affect you. Investment manager, super and pension manager, investment accumulator, super accumulator, investment consolidator, super and pension consolidator are offered by miml. The mlc group of companies refers to all companies including the trustee offering. Automate and streamline all of your current processes to maximize your resources across clients, departments and office locations. Mlc masterkey super fundamentals my transition, mlc. Mlc masterkey pension fundamentals application form page 1 of 28 application form mlc masterkey pension fundamentals the information in this document forms part of the product disclosure statement, dated 3 march 2014. Product disclosure statements pds for equips open superannuation and pension products. Your ability to earn an income is one of your greatest assets, so it makes sense to protect it. Insurances associated with mlc superannuation fund. Chant west is a research, data insights and technology company, providing a suite of sophisticated software and data analytics to super funds, financial advisers and individuals, so they can compare super and pension products on an apples with apples basis.
Mlc insurance, mlc insurance super, mlc personal protection portfolio, mlc life cover super, mlc protectionfirst range, mlc term insurance, mlc income protection, mlc income protection plus and mlc business expenses. The information contained in this product disclosure statement pds for super and pension manager ii should be read in conjunction with the technical information booklet tib and investment menu, which are incorporated by reference. The mlc masterkey investment service is an investor directed portfolio service offering mlc manager of managers investment options where mlc masterkey selects some of the worlds leading investment managers to manage your money and single manger investment options. Founded in 2010, pensionpro was created to help tpas turn business assumptions and expectations into profits. Mlc life insurance is a specialised life insurance business. If youre not sure, you can call us on 2 652 monday to friday 8 am and 6 pm aest. Together with the fee flyer, investment menu and investment protection guide, these documents should be considered before making a. Product disclosure statements local government super.
The investment menu, incorporated by reference into the pds document. Type of fee or cost amount how and when paid fees when money moves into or out of mlc wrap establishment fee the fee to open your investment. Mlc masterkey pension mlc index plus balanced portfolio. Superannuation find a range of super solutions nab. For further information about the methodology used by chant west, see au. Mlc masterkey superannuation gold star investsmart. If your secure login session remains inactive, your session will automatically timeout and you will be asked to enter your login details. To find out how you can have your premiums deducted from your mlc masterkey fundamentals account, go to the how to guide. Speak to a financial adviser and discover what mlc life insurance has to offer. Members have access to a comprehensive investment menu, comprising of both diversified and single sector options, as well as managed investments across a. In deciding whether to acquire or continue to hold an investment, investors should consider the product guide or product disclosure statement pds available from us. It represents a landmark strategic partnership between national australia bank nab and nippon life insurance under which nab retains a 20% shareholding and nippon life insurance holds a majority 80% of the shares in mlc limited, the entity which operates the mlc life insurance business.
Mlc superannuation fund is required to provide a product disclosure statement to ensure that each. Learn more about this managed fund including fund information, strategy, asset. Rest super product disclosure statement pds and forms. For more information on our range of managed investments, please see the underlying product disclosure statement for each investment option available on mlc. Map pension product disclosure statement 3 if your account has an unrestricted nonpreserved component and your lump sum withdrawal does not exceed this amount,1 if you satisfy a condition of release with a nil cashing restriction for example, retirement, or to give effect to a payment split under family law. Allocated pension mercer financial services australia.
Product disclosure statements pds are available for the products described on this website. You should obtain and consider the pds relevant to the product you are interested in before making any decision about whether to acquire or continue to hold the product as it contains important information about the product including who issues the. Mlc masterkey pension fundamentals index plus balanced. Together with the investment menu, insurance guide and investment protection guide, these documents should be considered before making a decision about whether to invest in the product. Mlc superannuation funds pds product disclosure statement. Mlc personal protection portfolio mlc life cover super spds1. Mlc wrap super is part of the mlc superannuation fund and is a fullservice wrap platform. Mlc, our wealth management division, has a comprehensive range of. Contribution fee the fee on each amount contributed. Macquarie super and pension manager ii product disclosure. Mlc works by storing three or more bits in each cell that requires higher power consumption and slower transfer speeds but it results in cheaper cards, when compared to singlelevel cell slc cards.
The fee table and example below replace the ones on pages 9 to 12 of the pds. Consultancy and software development matthew choppen b. Mlc superannuation fund is required to provide a product disclosure statement to ensure that each customers understands how their superannuation works. This product disclosure statement pds has been prepared and issued by ioof investment management limited iiml abn 53 006 695 021, afs licence no. Mlc masterkey pension fundamentals an easytomanage pension account that allows you to control your retirement income stream and make the most of your retirement investments. Income protection insurance range of benefits mlc life. The fund is public offer and allows members from all industries to apply for membership. Fundamentals product disclosure statement dated 23 november 2018, fee brochure, insurance guide, investment menu and pension guide. This spds is to be read together with and supplements the portfolioone superannuation and pension service product disclosure statement pds dated 1 july 2014. Before you make an investment decision it is recommended you obtain professional financial advice from your financial adviser tailored to your personal circumstances.
Within a couple of months i noticed my fund, now a pension fund, growing again even taking into account regular pension withdrawals. You should consider the product disclosure statement before making a decision about a product. Eng hons i have been a freelance consultant and software developer since 1993. A product disclosure statement pds helps you understand more about a product so you are able to make an informed decision about which ones to invest in. You can obtain a copy of the pds for each product at the relevant product page on this website or by calling us on 65 25. May 25, 2015 mlc insurance mlc insurance super product disclosure statement preparation date 25 may 2015 issue no.
Product disclosure statements the information contained in this list is general information only and does not take into account your personal objectives, financial situation andor needs. Short for multilevel cell mlc is a type of nand flash memory that is commonly found in standard usb cards. Mlc masterkey allocated pension gold star inflation plus assertive portfolio. Personal superannuation and pension plans transferred to. The superannuation pds is issued by nulis nominees australia limited. Transfer seamlessly from a super to a pension account.