GROWING YOUR RETIREMENT SAVINGS

Mercer’s schemes are designed to help you achieve financial freedom – and we’re the most awarded global provider in NZ with the smarts to get you the returns you deserve.

OUR INVESTMENT OPTIONS 

Whether you’re an aggressive investor with an appetite for risk, the type who likes to play it safe or somewhere in between, we’ve got an investment option for you. We offer you a choice of seven different investment options - from 100% Cash to 100% Shares – so you can select the option/s that best meets your investment needs. 

We recommend you take our risk quiz to check what investment option/s is right for you. Mercer members can review and change their investment option by signing into their online account.

The risk indicator for each option below is based on a scale of one to seven, with one being the lowest risk (potentially lower returns) and seven being higher risk (potentially higher returns)*. 

Mercer Cash

Invests mainly in cash and short term interest bearing investments

• Suitable for investors who want no exposure to growth assets
• Risk indicator: 1
• Recommended investment timeframe: No minimum timeframe
• Investment mix: 100% Defensive and 0% Growth

Mercer Conservative

Invests mostly in cash and fixed interest, with only limited investment in growth assets such as shares.

• Suitable for investors who want to achieve slightly higher returns than those expected from investing solely in cash
• Risk indicator: 3
• Recommended investment timeframe: 3 years
• Investment mix: 80% Defensive and 20% Growth

Mercer Moderate

Invests in cash and fixed interest, with about a third of investments being in growth assets such as shares and real assets.

• Suitable for investors who are comfortable with a higher degree of volatility in returns than can be expected from the Conservative option
• Risk indicator: 3
• Recommended investment timeframe: 5 years
• Investment mix: 60% Defensive and 40% Growth

Mercer Balanced

Invests in a wide range of assets. May be suitable for investors who want a diversified investment with exposure to shares, real assets, alternative assets, fixed interest and cash.

• Suitable for investors who are comfortable with a higher degree of volatility in returns than can be expected from the Moderate option and who can invest for the long term
• Risk indicator: 4
• Recommended investment timeframe: 8 years
• Investment mix: 60% Growth and 40% Defensive

Mercer Growth

Invests mainly in growth assets such as shares, real assets and alternative assets with only a limited amount in cash and fixed interest.

• Suitable for investors who are comfortable accepting more volatile returns than those expected from the Balanced option with a view to achieving higher long term returns
• Risk indicator: 4
• Recommended investment timeframe: 10 years
• Investment mix: 80% Growth and 20% Defensive

Mercer High Growth

Invests almost entirely in growth assets such as shares, real assets and alternative assets.

• Suitable for investors who want higher long term returns and are comfortable with high volatility in returns
• Risk indicator: 5
• Recommended investment timeframe: 13 years
• Investment mix: 95% Growth and 5% Defensive

Mercer Shares

Invests almost entirely in the share market.

• Suitable for investors seeking exposure mostly to shares and who are comfortable with a high level of volatility in returns
• Risk indicator: 5
• Recommended investment timeframe: 13 years
• Investment mix: 100% Growth and 0% Defensive

*While risk indicators are usually relatively stable, they do shift from time to time. The risk indicators above are taken from the 31 December 2020 fund updates. Please view the fund updates for more information.