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5 steps to super success

Welcome to Mercer; we’re excited to have you onboard. To get you started we’ll guide you through 5 simple steps for super success.

1. Consolidate

Think tomorrow, consolidate today

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All you need to do is call us on 1800 682 525, or log in to your account and tell us to search for your super.

If we find other super accounts we’ll help you consolidate it over the phone in less than 10 minutes. You’ll gain control of your money and could pay fewer fees.

2. Manage

Get the basics right, it won’t take long

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Access your account online

By activating your online account, you can easily see your super balance, manage your investment options and check your insurance cover. If you need to set up or reset your pin, you can do it online or by calling us on 1800 682 525 and we’ll sort it out for you.

Download your free digital member card to your smartphone

It’s an easy way to store your account details at your fingertips and much easier to find then a search among all the other cards you keep. Log in, click on 'Personal details' and then 'Your digital member card.'

Update your beneficiaries

If you want to make sure your super goes to the people you care about, you need to let us know who they are. We call this ‘nominating your beneficiaries’ and it’s a really important part of your super success. Log in or call us on 1800 682 525 to update it.

3. Boost your super

Give yourself a bonus every time you get paid

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Here’s a smart thing you can do right now to set yourself up for super success. It’s called salary sacrifice and here’s how you could benefit.

If you set aside $100 from your take-home pay, you'll get $139.40 in your super in return. That's a $39.40 super bonus with every pay packet#. This could mean an extra $255,738* in the future.

Here's how it works

If you earn between $87,000 and $180,000 a year you could pay up to 39% income tax. But your super fund pays tax at a special rate of only 15%~. Even if you earn less than $87,000, you can still grow your super faster.

Talk to your employer about setting up a salary sacrifice arrangement today. Even a little today could mean a lot more tomorrow.

Find out more about salary sacrifice.

# Assuming a marginal tax rate of 39% on your personal income.
~ Calculation assumes Adjusted Taxable Income between $37,000 and $180,000, such that only 15% contributions tax is payable on contributions and no rebate applies.
* Returns based on an assumed rate of 6.6%pa paid in arrears. Actual dollar values used, with no adjustment for the effect of inflation. The amounts shown in the above case study are not predictions of actual outcomes as returns are likely to vary over time. The projected outcomes apply the following assumptions about returns over 20 years. Differences in returns (which may be positive or negative), and fees will alter the outcome. The case study is based on the following assumptions: contribution rate of $164 per week, investment return of 6.6% per annum. Starting age 45 and retirement age 65. This example also assumes concessional contribution caps have not been exceeded. Current at 1 June 2015. The example shown may not apply to your own situation, so we recommend that you consider your options carefully and seek financial advice about salary sacrifice.

Salary sacrifice arrangements are subject to employer approval.

4. Make an active investment choice

Match your investments to your age – it makes sense

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It’s important to make a conscious decision about your investments. The great news is that you've got the flexibility to take as little or as much control of your super investments as you like.

Set and forget – we've got your back

If you prefer to leave it to us, you’ll be in safe hands. Mercer SmartPath® investment option uses sophisticated thinking to continually match your investments to your Lifestage.

In the driver's seat

If you want a hands-on approach to investing your super you can choose the Mercer Direct# investment option with direct access to the ASX 300, Exchange Traded Funds and term deposits – all within your super.

Find out more about Mercer Direct.

You can change your investments any time

Log in to your account and click on the 'Investments' tab.

# At this stage Mercer Direct is available to many but not all plans in Mercer Super. Check your PDS to see whether it's available for you.

5. Get some simple useful advice

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The simple decisions you've made about super in the last four steps can make a big difference. Your future self will thank you for it.

To make sure you've made the right decisions, it's important to get good advice - and there is no substitute for Mercer Financial Advice. Our highly trained team of advisers can help you with all your financial needs, which makes all the difference when you are looking to grow your wealth and take control of your tomorrow, today. As a Mercer customer, Mercer Financial Advice offers free limited advice to help you set up your super.

Give yourself the gift of good advice; book an appointment today.

Contact Mercer Super AU for all of your superannuation and financial planning queries.
Mercer Super Trust: 1800 682 525
Calling from Overseas: +61 3 8306 0900

8.00am - 7.00pm
Monday - Friday (AEST/AEDT)

Financial Advice: 1300 850 580

9.00am - 5.30pm
Monday - Friday (AEST/AEDT)




Mercer Super Australia has offices in Melbourne, Glen Waverley, Sydney, Paramatta, Canberra, Brisbane, Adelaide and Perth.
Melbourne

Office: 727 Collins St, Melbourne
Mail: GPO Box 9946, Melbourne VIC 3001
+61 3 9623 5555

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Glen Waverley
Sydney
Parramatta
Canberra
Brisbane
Adelaide
Perth