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Mercer Super Trust - Personal Superannuation Division

Past 5-year return
6.99%
Admin fee
$0
Calculated Fees on 50k
$1,012
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Extensive investment menu.
Fully integrated service model with all aspects of investments, consulting and administration owned and controlled by Mercer.
High quality retirement planning services, including education and advice.
Wide range of service channels including workplace education and advice, helpline and limited financial advice over the phone.
Free administration services for rollovers and consolidation.
Fee discounts.
The Mercer Super Trust is one of the largest corporate super platforms in Australia and provides members with a strong brand history and a flexible range of competitive benefits. The fund is Infinity Recognised, which is a result of its strong commitment to environmental and social principles. The Personal Superannuation Division is closed to new members. The fund offers a wide range of investment options, including 'Ready-Made' and 'Select-Your-Own' investment options, as well as Term Deposits. The Mercer Growth option outperformed the SuperRatings Index over the year to 30 June 2018, but underperformed over the longer term.Fees are higher than the industry average across all account balances assessed; however, a reduced management fee is applicable on account balances over $250K. Members are able to switch investment options and make withdrawals at no cost.The insurance offering comprises unlimited Death cover and up to a maximum of $5 million in Total & Permanent Disablement cover. Income Protection is not available through this product. Members have the ability to increase, opt out, or reduce cover at any time. Members have access to Mercer financial advisers who can tailor super and retirement solutions to suit their needs. Mercer Super Trust's website incorporates Mercer Magazine and a Retirement Income Simulator tool. The fund's secure website further allows members to consolidate super, view and update account details, as well as perform transactions.
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Fees & fund features

Admin fee
Admin fee
$0
Administration fee (%)
Administration fee (%)
1.19%
Indirect Cost Ratio (%)
Indirect Cost Ratio (%)
0.43%
Exit fee
Exit fee
$0
Financial planning service
Financial planning service
Credit cards
Credit cards
Insurance life event increases
Insurance life event increases
Investment fee
Investment fee
0.40%
Account size discount
Account size discount
Health insurance
Health insurance
Binding nominations
Binding nominations
Anti-detriment payments
Anti-detriment payments
Switching fee
Switching fee
$0
Employer size discount
Employer size discount
Home loans
Home loans
Non-lapsing binding nominations
Non-lapsing binding nominations
Long term income protection
Long term income protection
Admin fee
Admin fee
$0
Administration fee (%)
Administration fee (%)
1.19%
Indirect Cost Ratio (%)
Indirect Cost Ratio (%)
0.43%
Exit fee
Exit fee
$0
Financial planning service
Financial planning service
Credit cards
Credit cards
Insurance life event increases
Insurance life event increases
Investment fee
Investment fee
0.40%
Account size discount
Account size discount
Health insurance
Health insurance
Binding nominations
Binding nominations
Anti-detriment payments
Anti-detriment payments
Switching fee
Switching fee
$0
Employer size discount
Employer size discount
Home loans
Home loans
Non-lapsing binding nominations
Non-lapsing binding nominations
Long term income protection
Long term income protection
Fund fees vs. Industry average
Fund past-5-year return vs. Industry average
Investment allocation
Investment option performance
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FAQs

A superannuation fund is an institution that is legally allowed to hold and invest your superannuation. There are more than 200 different superannuation funds in Australia. They come in five different types:

  • Retail funds
  • Industry funds
  • Public sector funds
  • Corporate funds
  • Self-managed super funds

Retail funds are usually run by banks or investment companies.

Industry funds were originally designed for workers from a particular industry, but are now open to anyone.

Public sector funds were originally designed for people working for federal or state government departments. Most are still reserved for government employees.

Corporate funds are arranged by employers for their employees.

Self-managed super funds are private superannuation funds that allow people to directly invest their money.

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