Plum Super

1 Plum SuperPlum Personal PlanInvestment MenuThe FundIssued by the TrusteePreparation dateMLC Super FundABN 70 732 426 024 NULIS Nominees (Australia) LimitedABN 80 008 515 633 AFSL 2364651 October 2018 This menu gives you information about the investments availablethrough Plum financial adviser can help you decide which investment optionsare right for information in thisdocument forms part of thePlum Personal Plan Product4 Investing with Plum5 Things to consider before you invest14 Choosing your pathDisclosure Statement(PDS), dated 1 October2018. Together with the16 Your investment optionsPlum Personal PlanInsurance Guide and FeeBrochure, these documentsshould be consideredbefore making a finaldecision about whether toinvest.

2 They are availablewhen you log in to document contains general information only. Before acting on this information, you should consider its appropriateness toyou, having regard to your personal objectives, financial situation and needs. A financial adviser can help you decide if this is theright product for you. For more information please contact us, speak with your financial adviser or go to the online copy of thisdocument on to we , us or our are references to the Trustee. The Trustee is part of the National Australia Bank (NAB) Group ofCompanies. An investment with the Trustee is not a deposit with, or liability of, and is not guaranteed by, offer is made in Australia in accordance with Australian laws, and your account will be regulated by these Investment Advisers Pty Ltd ABN 97 006 717 568 AFSL 230693, NAB Asset Management Service Limited ABN 38 055 638 474 ASFL 230687 and each investment manager referred to in this Investment Menu have given written consent to be named andquoted in the PDS and this Investment Menu, and to the inclusion of statements made by them.

3 As at the date of the InvestmentMenu, these consents have not been in this document may change from time to time. Updates in relation to information that are not materially adversemay be made available on but you may not be directly notified of these updates. You may, however, obtain a papercopy of these change communications on request free of charge by contacting read the latest applicable Product Disclosure Statement and any incorporated materials before making any decision abouta provide a broad rangeof investment options andyou can choose anycombination of these to putyour investment plan Investment Menu has beendeveloped to suit all levels ofinvestment knowledge and can choose from a broad range ofinvestment options, includingdiversified portfolios that invest acrossmultiple asset classes.

4 And single-sectoroptions that invest in a single believe the best way to manage ourportfolios is to employ the skills ofmultiple specialist investmentmanagers. We ve appointed the NABG roup s retail multi-asset managementbusiness, NAB Asset ManagementServices Limited (NSL) to advise on andmanage our investment options. Ourinvestment experts have extensiveknowledge and experience at designingand managing portfolios using amulti-manager investment NSL s name has changed throughtime, it s the same team of investmentexperts that s been advising on andmanaging our portfolios for with usOur portfolios have different investmentobjectives because we know everyonehas different ideas about how theirmoney should be portfolios make sophisticatedinvesting investment experts structure ourportfolios to deliver more reliablereturns in many potential marketenvironments.

5 And, as their assessmentof world markets changes, ourportfolios are evolved to manage newrisks and capture new use specialist investment managersin our portfolios. Our investmentexperts research hundreds ofinvestment managers from around theworld and select the managers theybelieve are the best for our investment managers may bespecialist in-house managers, externalmanagers or a combination of , we stay true to theobjectives of our portfolios, so you cankeep on track to meeting your investmentoptionsWe ve appointed JANA InvestmentAdvisers Pty Ltd (JANA) to advise us onour Investment Menu. It is one of theleading investment consultants inAustralia with over 30 years ofexperience and $450billion assets undermanagement (as at 30 June 2018).

6 JANAis partly owned by National AustraliaBank Limited (NAB).The Investment Menu is regularlyreviewed by a committee ofexperienced investment number of factors are taken intoconsideration when choosing theinvestment options. These may includethe investment objective, fees, externalresearch ratings and performance, aswell as our ability to efficientlyadminister the investment option. Theselection of options issued bycompanies either wholly or partiallyowned by NAB Group is done on anarm s-length basis in line with theTrustee s Conflicts Management Policy. Switching investmentsYou can change your investmentoptions any time.

7 We do not charge afee for you to do this. However buy-sellspreads may apply. Please refer to eachinvestment option in the switchingThese products are not appropriate formembers who wish to switch theirinvestments frequently in the pursuit ofshort-term monitor all investment options forabnormal transaction activity becausethis sort of activity can have adverseimpacts for other maintain equity the Trustee has theright to deal with members whofrequently switch by:delaying, limiting or rejecting theirfuture switch requests, and/orcancelling membership andtransferring their account balance tothe Australian Eligible Rollover Profile ToolFor greater insight into how yourmoney is managed, including whereyour money is invested, how yourinvestments are performing and theinvestment fees and costs charged,log in to with PlumBefore you do any investing, there aresome things you need to consider,including the level of risk you areprepared to that will affect your decisioninclude.

8 Your investment goalsthe savings you'll need to reach yourgoalsyour age and how many years youhave to investwhere other parts of your wealth areinvestedthe return you may expect from yourinvestments, andhow comfortable you are withinvestment RiskEven the simplest investment comeswith a level of risk. Differentinvestments have different levels of risk,depending on the assets that make upthe the idea of investment risk canbe confronting, it s a normal part ofinvesting. Without it, you may not getthe returns you need to reach yourfinancial goals. This is known as therisk/return factors influence an investment svalue.

9 These include, but aren t limitedto:market sentimentchanges in inflationgrowth and contraction in Australianand overseas economieschanges in interest ratesdefaults on loanscompany specific issuesliquidity (the ability to buy or sellinvestments when you want to)changes in the value of theAustralian dollarinvestments and withdrawals byother investorschanges in Australian and overseaslaws, anda counterparty not meeting itsobligations eg when buyingsecurities, the seller may not deliveron the contract by failing to providethe value of an investment with ahigher level of risk will tend to rise andfall more often and by greater amountsthan investments with lower levels ofrisk.

10 That is, it is more volatile. Periods of volatility can be unsettlingand may occur regularly. You may findit reassuring to know that, ofteninvestments that produce higher returnsand growth over long periods tend tobe more volatile in the short accepting that volatility will occur,you ll be better able to manage yourreaction to short-term movements. Thiswill help you stay true to your long-terminvestment considering your investment, it simportant to understand that:its value will vary over timeinvestments with higher returnpotential usually have higher levelsof riskreturns aren t guaranteed, and youmay lose some of your moneyprevious returns shouldn t be usedto predict future returns, andyour final Super balance may notprovide for an adequate to reduce volatilityand other risksDiversification investing in a range ofinvestments is a sound way to reducethe short-term volatility of a portfolio sreturns.