Super that shows up. Returns that add up.
Double-digit returns, three years in a row for the majority of Mercer SmartPath members1
Past performance is not a reliable indicator of future performance The value of an investment in Mercer Super may rise and fall from time to time. The investment performance, earnings or return of capital invested are not guaranteed.
Backed by 75 years of global investment expertise, a history of positive returns,† and low admin fees,†† Mercer Super is supporting more than 1 million members to achieve a brighter future.
FY24/25 returns are in
Graeme Miller, Mercer Super's Chief Investment Officer, discusses the FY24/25 performance and the outlook for investment markets.
Changes to super rules from 1 July 2025
As a new financial year begins, it’s important to stay on top of changes to super rules and what they may mean for you.
What is the Retirement Bonus?
If you’ve been a Mercer Super member for a year or more, you may be eligible for a one-time payment when you open a Mercer SmartRetirement Income (MSRI) allocated pension account.
What would you like to do today?
Benefits of being a Mercer Super member
We aim to deliver the best possible returns, low admin fees and high-quality experiences to our 1 million plus members.
Low admin fees
Do you want to get the most out of your hard-earned super? With our low admin fees,†† you can keep more of what's yours.
History of positive performance
Mercer Super’s default investment option Mercer SmartPath®, has delivered on average 8.1% p.a. for the 10-year period to 30 June 2025 for one of our largest groups of members.†
75 years’ experience
We’re backed by Mercer, a locally-led, global expert in retirement and investments with US$613 billion§ in assets under management globally.
We’re a multi-award winning fund*
Join Mercer Super today!
Become a Mercer Super member and join 1 million plus other Australians enjoying the benefits Mercer Super offers
Manage your super 24/7
Download the Mercer Super App and access your account anytime, anywhere.
Simply download our app for free from the Apple App Store or Google Play.
1 Mercer Super Trust’s analysis of the Mercer SmartPath investment performance (after investment fees and taxes) for the 2022/23, 2023/24 and 2024/25 financial years. Mercer SmartPath default investment options achieved returns of between 11.2% and 12.6% for members aged between 18 and 52 years old across the 2022/23, 2023/24 and 2024/25 financial years. For members aged 52 or over, Mercer SmartPath default investment options achieved returns between 7.2% and 12.4% across the 2022/23, 2023/24 and 2024/25 financial years. Based on membership data for the Corporate Superannuation Division of Mercer Super for members invested for the entire period.
Past performance is not a reliable indicator of future performance. The value of an investment in the Mercer Super Trust may rise and fall from time to time. The investment performance, earnings or return of capital invested are not guaranteed.
† Mercer Super’s default investment option Mercer SmartPath has delivered on average 8.1% p.a. for the 10-year period to 30 June 2025 for one of our largest groups of members. Based on Mercer SmartPath membership data as at 31 March 2025 and for members invested for the full period. Mercer Super Trust’s analysis of Mercer SmartPath (born 1974-1978), after investment fees and taxes.
†† ChantWest MySuper Default Fee Tables March 2025 – for $50,000 and $100,000 account balances. Fees are for Mercer SmartSuper - SmartPath® (our MySuper product) as at 31 March 2025 for total administration fees and costs. Chant West uses our 1959-1963 investment option for purposes of comparison with other MySuper funds. You may pay less than this if you are in an employer plan with discounted fees. For more details on fees for each of our SmartPath options, or if you’ve chosen your own investment option/s, go to the ‘How Your Super Works' guide online. Fees and costs can vary from year to year. Past fees and costs are not a reliable indicator of future fees and costs. Fees and comparisons may differ for other investment options and account balances
§ Marsh McLennan announces US$613 billion assets under delegated management (as of March 31, 2025 / end of 1Q25) for Mercer.
* Mercer Super has been recognised with several SuperRatings awards, including SuperRatings' highest platinum rating for both our Allocated Pension Division (now known as Mercer SmartRetirement Income) and Corporate Superannuation Division products. Mercer SmartRetirement Income and the Corporate Superannuation Division products also received SuperRatings Platinum Performance awards, based on investment returns, fees, insurance, member servicing, administration and governance for 10 and 15 years respectively. Ratings issued by SuperRatings Pty Ltd a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd AFSL No. 421445 are general advice only. Rating is not a recommendation to purchase, sell or hold any product and subject to change without notice. SuperRatings may receive a fee for the use of its ratings and awards. Visit SuperRatings.com.au for ratings information.
Mercer Super has been recognised with several Chant West Apple Ratings for 2025, including 5 Apples - Highest Quality Fund rating for Mercer Super's super products Mercer SmartSuper Plan - Employer, Mercer SmartSuper Plan - Individual, Mercer SmartSuper and Mercer Business Super, as well as Mercer Super's pension product Mercer SmartRetirement Income. The Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West rating (assigned February 2025) is limited to General Advice only and has been prepared without considering your objectives or financial situation, including target markets where applicable. The rating is not a recommendation to purchase, sell or hold any product and is subject to change at any time without notice. You should seek independent advice and consider the PDS or offer document before making any investment decisions. Ratings have been assigned based on third party data. Liability is not accepted, whether direct or indirect, from use of the rating. Refer to chantwest.com.au for full ratings information and their FSG.
Disclaimer: This content has been prepared on behalf of Mercer Superannuation (Australia) Limited ABN 79 004 717 533, Australian Financial Services Licence #235906, the trustee of the Mercer Super Trust (‘Mercer Super’) ABN 19 905 422 981. Any advice is of a general nature only, and does not take into account the personal needs and circumstances of any particular individual. Prior to acting on any information, you need to take into account your own financial circumstances. The material contained in this document is based on information received in good faith from sources within the market and on our understanding of legislation and government press releases at the date of publication which we believe to be reliable and accurate. Neither Mercer nor any of its related parties accepts any responsibility for any inaccuracy. Please consider the Product Disclosure Statement, Product Guide, Insurance Guide, and Financial Services Guide before making a decision about the product, or seek professional advice from a licensed, or appropriately authorised financial adviser if you are unsure of what action to take. Past performance is not a reliable indicator of future performance. 'MERCER' is a registered trademark of Mercer (Australia) Pty Ltd ABN 32 005 315 917.