Information pertaining to investment risk is available in our Financial Education Guide, which can be accessed from our website here (the section on Risk commences at item 2.3 on page 9)

#Average Return expectations have been calculated on the basis of: zero tax rates; an administration fee of 0.6% has been deducted; and investment fees have been calculated.

*Standard Deviation (Std. Dev.) is applied to the annual rat of return of an investment to measure the investment’s volatility. This higher the standard deviation, the greater the volatility.

^Source: MLC. MLC has used the Standard Risk Measure (SRM) to provide you with the estimated number of negative annual returns in any 20 year period. Because it’s an estimate, the actual number of negative returns that occur in a 20 year period may be different. The SRM is based on industry guidelines, however, it is not a complete assessment of investment risk. For example: it does not capture the size of a possible negative return, or the potential for sufficient positive returns to meet your objectives; it does not take into account the impact of fees and tax, which can increase the chance of a negative return.
Information on how SMR is calculated is available on mlc.com.au/srm.