How your money is invested Product name Investment objective Investment strategy About your account value MLC Super Pension Plan MLC Super Pension Plan To provide a fixed The Trustee has purchased an This plan provides a fixed or regular income stream annuity policy with MLC Limited. indexed regular income stream for for a selected period or a selected period. life. MLC Capital Guaranteed products MLC Maturity Growth To balance risk and The Trustee invests in policies A declared rate of interest is Superannuation Plan return considerations issued by MLC Limited who, in allocated to your account after 30 MLC Capital Guaranteed while securing turn, invests in a suitably June each year. Personal Super Savings guarantees to members. structured portfolio of securities. If you make a full withdrawal Plan Series 1-2 Surplus assets, over and above during the year, an interim rate is those required to fund guaranteed calculated and applied to your daily benefits, are generally invested in account balance before your a more diversified portfolio to benefit is paid. increase potential returns. The interim rate is set with the intention to reflect the year to date earnings and, as a result, may differ from the declared rate. MLC Whole of Life Aims to provide a The Trustee invests in policies In most cases, these products earn Superannuation guaranteed benefit issued by MLC Limited who, in bonuses which are allocated MLC Endowment payable on maturity of turn, invests in a suitably annually. Your bonuses, where Superannuation the policy or your death. structured portfolio of securities. applicable, are advised each year Surplus assets, over and above in your Annual Statement. MLC Pure Endowment those required to fund guaranteed Superannuation benefits, are generally invested in Whole of Life a more diversified portfolio to Endowment increase potential returns. MLC Insurance products MLC Life Cover Super Your contributions are These products do not have an MLC Insurance (Super) used to pay the account balance or value. premiums for the MLC Protectionfirst insurance cover selected. 16 | MLC Super Fund 2023 Annual Report