How is super invested?

Mercer Super members can choose from a wide range of investment options, each with its own set of objectives and mix of asset classes. It’s important to remember, that your super is your money, and you can choose the option that best suits you.

To make truly informed decisions it can be helpful to familiarise yourself with some basic investment concepts and how they apply to your super.

• Investment risk: All investments come with some risk and can offer potential rewards, in the form of investment returns. The challenge is finding the right balance. Learn more about investment risk and your super
  
  
• Market volatility: Ups and downs are a normal part of investing, and the same is true of superannuation. What matters is how your super grows over the long-term. Learn more about market volatility and your super
  
  
• Asset classes: Mercer Super invests in a range of assets like shares, infrastructure, fixed interest, and cash. These are called asset classes, and they form the foundation of your investment options. Learn more about asset classes and your super
  
  
• Diversification: One way investors (and super funds) manage risk is by investing in a wide range of different asset classes across different regions, industries and companies. Learn more about diversification and your super

Mercer Super offers a range of investment options. These include 'ready-made' and 'select-your-own' options, as well as Mercer Direct.

You can get all the details about the options available to you in the Mercer Super Investments Booklet.
 

Mercer SmartPath®

If you don’t make an active choice your super will be invested in a default MySuper investment option. For most Mercer Super members, that’s Mercer SmartPath, a life-stage option that automatically adjusts your level of risk as you approach and move through retirement.

Our investment experts manage your Mercer SmartPath portfolio to help ensure your asset mix is appropriate to your age. The focus is on growth assets in your younger years, with a gradual shift to more defensive assets as you near and enter retirement. Learn more about Mercer SmartPath.

You can switch your investment option/s at any time by logging into your account.

If you have a super account, or a Transition to Retirement (TTR) account, your investment returns are taxed at a special rate within the fund, usually 15%. Once you reach age 65 (or age 60 and retire permanently from the workforce) you can open an allocated pension account where investment returns are tax free.