You generally contribute to your plan through deductions from your pay. Your employer may also contribute on your behalf.
Depending on the rules of the plan you are in, you may be able to make regular or lump sum contributions over and above the contributions deducted from your pay.
Whether you’re an aggressive investor with an appetite for risk, prefer to play it safe or are somewhere in between, we’ve got an investment option for you.
You can find out more about the investment options here.
Mercer will deduct or refund tax on your behalf. You simply need to provide us with your IRD number and your tax rate.
The Mercer Super Trust is a Portfolio Investment Entity or what’s known as a PIE. This means any money you make through your investment will be taxed.
The Prescribed Investor Rate (PIR) is the rate at which it will be taxed. A PIR is based on your taxable income, e.g. income from salary, wages and any additional sources of income that you would include in your income tax return.
The fees you pay may be the investment management fees, a monthly membership fee, an asset based administration fee, and if you are offered and take out an insurance cover, insurance premiums will also be deducted.
Investment management fees will vary depending on the investment option or options you invest in. Please read the product disclosure statement and the “Your plan details” booklet specific to your plan, available from your employer or after you sign in to your account.
Your online account gives you secure access to your investment information anywhere anytime.
By logging in to your account you can:
You will receive regular updates about your account and investment performance:
Not knowing all the facts could cost you money. It’s important you know what the Mercer Super Trust offers you.
Our Helpline team can explain how your account works and answer general questions about your retirement savings. You can call them on 0508 637 237, 9am to 7pm on all business days.
Our Helpline team can also connect you with one of our advisers if you want advice on your investment options.