Super you can count on

Be part of a super fund that thinks global and acts local. Our team of investment experts seek out the best possible investment opportunities in Australia and around the world.

Global investment consultant

Global scale

Mercer is a locally-led, global expert in retirement and investments with US$420 billion1 in assets under management globally. Mercer Super leverages this scale and expertise to benefit our members.

Historical strong returns

Strong past performance

Mercer Super’s default investment option Mercer SmartPath®, has delivered 7.5% p.a. over seven years for one of our largest member groups,2 outperforming the comparative industry median of 6.5%.

Low fees

Low fees

As one of the most competitive super funds in Australia, we’re committed to growing your super fund balance. The more you save in fees, adds to your super balance.

Superratings awards

Your Super, your choice

As your life and financial goals change over time, your super investment strategies should too. At Mercer Super, we understand everyone is different and one size doesn’t fit all. We’re proud to offer a broad range of investment options.

Your guide to investments:

 

Make the most of your super

Investment options

Mercer SmartPath® (default) investment option

Great investors fine-tune their portfolios over time. Mercer SmartPath is designed to do this for you automatically. Our investment experts actively manage your portfolio to help ensure your asset mix is appropriate to your age. The focus is on growth assets in your younger years, with a gradual shift to more defensive assets as you near retirement. Mercer SmartPath is designed for members who want to take a simple, hands-off approach to their super.

Mercer SmartPath

Ready-made investment options

Our Ready-made investment options combine a diversified mix of growth and defensive assets. Ready-made investment options have different investment time frames, levels of risk, and investment objectives. A Ready-made option may be suitable for a member who wants to take a more hands-on approach with their super but still leave the complex decisions to the experts.

Ready-made investment options

Select-Your-Own investment options

Our Select-Your-Own investment options include sector-specific options, passively managed options, as well as sustainable options. Mercer Sector options are designed for members who want to invest in particular asset classes. Mercer Passive & Enhanced Passive options provide lower cost options which aim to perform broadly in line with the markets in which they invest. Mercer Sustainable Plus options include additional criteria, outlined in the Sustainable Investment Information booklet.

Select-Your-Own investment options

Mercer Direct (if available in your plan)

The Mercer Direct investment option allows you to invest directly in a range of shares and a selection of Exchange Traded Funds (ETFs) listed on the Australian Stock Exchange (ASX), as well as a range of term deposits. While Mercer Direct offers additional choice and more control, some rules and restrictions apply. For more details about this option, read the Mercer Direct member guide.

Mercer Direct (if available in your plan)

Understanding investment options

Your circumstances and financial goals will change over time, and your super investment strategy should keep pace with you. 

We offer investment options that are made up of underlying asset classes including:

  • Australian and international shares
  • Real assets
  • Alternative assets
  • Growth fixed interest
  • Defensive fixed interest
  • Cash

All investments carry some risk, and the mixture of underlying assets within an investment option will dictate the level of risk, and potential returns, associated with that option. 

High risk (or growth) investments – such as Australian or international shares – have higher potential for returns. Younger people, who have the time to weather any market fluctuations, may want to place their money in mainly growth-based assets, considering they have a longer investment timeframe.

Conservative (or defensive) investments – such as fixed-interest or cash – have a lower level of risk and lower potential returns. In general, members nearing retirement may look to invest more within these types of options. 

There are many investment options that sit between high risk, high reward and low risk, low reward.

You can choose to invest your funds in one investment option, or diversify your funds across multiple options – each with different underlying assets, levels of risk, and return potential.

Understanding investment options 101

Choosing the option for you

Choosing the best option for you

Choosing the right investment option, the right mix of investment options, or deciding to change your super investment option, is an individual choice that should take into account your personal circumstances and financial goals. Some things you may want to consider when selecting investment options are:

  • Your age

  • The level of risk versus potential return that you're comfortable with

  • How long before you'll want to access your funds


As a Mercer Super member you have access to limited financial advice about your Mercer Super account – at no additional cost. This includes access to e-Advice, a self-service tool designed to provide the advice you need to make investment decisions for your personal circumstances. 

You can learn more about our advice tools and services here, or call us on 1800 682 525 Monday to Friday, 8am-7pm (AEST/AEDT), to make an appointment with one of our advisers.

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Check how we invest your super

You can check how your super is currently invested by logging into your account. On the investments page you can see all available options and manage your investment strategy.

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Download the Mercer Super app

Your super is in your hands. Track and manage your super account anytime, anywhere with the Mercer Super app.

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75 years' experience

Helpful links for members

Looking for something specific? Try these quick links to save time.

Get advice on your super

Get advice about your super

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Forms and documents

Forms and documents

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Top up your super

Top up your super

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Update your details

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Need more help? We’ve got you covered.

Have questions about Mercer Super or need more information about becoming a member? We’d love to hear from you.

Member Online Support

Member Online support

Log in to your account for more information or to submit an online enquiry.

Contact Our Helpline

Contact our Helpline

Speak with one of our consultants on 1800 682 525, Monday to Friday 8am-7pm (AEST/ AEDT).


1 Marsh McLennan announces US$420 billion assets under delegated management (as of December 31, 2023 / end of 4Q23) for Mercer.

2 Mercer Super Trust’s analysis of Mercer SmartPath (born 1974-1978), one of the largest cohorts, after investment fees and tax, compared to the median of all default funds reported in SuperRatings Fund Crediting Rate Survey – Default Options as at 30 September 2023. Based on Mercer SmartPath membership data as at 30 September 2023. Past performance is not a reliable indicator of future performance.

Mercer Super has been recognised with several SuperRatings awards, including SuperRatings’ highest platinum rating for our Corporate Superannuation Division product. The Corporate Superannuation Division product also received SuperRatings 15 Year Platinum Performance award, based on investment returns, fees, insurance, member servicing, administration and governance. The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2024 SuperRatings. All rights reserved.

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.