Retire confidently with Smart Bundle
Set up your pension account the easy way, with a preselected payment schedule and investment strategy.
Setting up your retirement income doesn’t have to be complicated. Mercer Super’s Smart Bundle is a quick, easy and simple solution for Australians who want to know their retirement income is in good hands. Apply via your Member Online account or apply below.
Why choose Mercer Super for retirement?
Retirement is in our DNA
We have the expertise to help you realise your vision. With 75 years’ experience, we’re backed by Mercer, a locally-led, global expert in retirement and investments.
It's your choice
Our flexible investment and pension payment options give you the power to customise your account to align with your unique retirement objectives.
Advice at your fingertips
With Mercer Super’s accessible and affordable advice options, expert advice is always within easy reach.
Why choose Smart Bundle?
Whether you’re ready to retire full-time with an allocated pension or ease into retirement with a Transition to Retirement (TTR) account, Smart Bundle makes things simple – and it’s quick. It is designed to take the hassle out of starting a pension.
Based on the needs of a typical Australian retiree,1 Smart Bundle combines our Mercer SmartPath® lifecycle investment option with a preselected payment amount and schedule to help you make the most of your retirement savings with regular and reliable income. And it’s automatically fine-tuned as you age to help keep pace with expected income and spending needs.
Smart Bundle in a nutshell
Smart Bundle provides a reliable income1 by combining the following account features.2
- Lifecycle investment strategy – Your full account balance will be invested in Mercer SmartPath for allocated pensions or Taxed Mercer SmartPath for TTR pensions.
- Above minimum payment amounts - Smart Bundle sets your pension payments at 2% above the government-set annual minimum withdrawal amount for your age. Your annual pension amount is recalculated each year in the same way as the minimum requirements.
- Documents and Product Disclosure Documents
You can find the PDS on our Disclosure Documents page under SmartRetirement Income.
- Twice monthly payments – With Smart Bundle you receive payments twice a month. You’ll generally get paid on the 8th and 22nd of each month, directly into your bank account.
- Flexible options to suit your needs – While Smart Bundle is designed to make your application and pension set-up as easy as possible, we understand that circumstances change. That’s why you have the flexibility to change your mind at any time, online or over the phone.
The right advice can help you make the right choice
No matter where you’re at in life, the right advice at the right time can help you take charge of your super and retire with confidence. With Mercer Super, accessible advice is always within easy reach. Request a callback.
Ready to start your retirement journey?
Read the Mercer SmartRetirement Income Product Disclosure Statement (PDS) to make sure the product is right for you.
If you don’t have a Mercer Super account, please download and complete the application form.
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
Log in to your account for more information or to submit an online enquiry.
Contact our helpline
Visit the member support page or call 1800 682 525, Monday to Friday, 8am-7pm (AEST/ AEDT).
1 Based on modelling from our retirement experts, the Smart Bundle option makes the most of retirement savings to provide a reliable income for an average retiree. Assumptions are based on the median retirement age and average balance at retirement for members of the Mercer Super Trust, life expectancy tables from the Australian Bureau of Statistics (abs.gov.au) and modest living expenses in retirement (ASFA Retirement Standards, moneysmart.gov.au). Modelling also assumes the retiree is a single homeowner with no other income who is eligible for full age pension.
2 You can select Smart Bundle at the start of your application. Once you have selected other options outside Smart Bundle, you can’t revert or select Smart Bundle again. You can however choose the same individual options combined in the bundle, but select them manually one by one. Changing any of these settings may change your retirement outcomes.
Disclaimer: Issued by Mercer Superannuation (Australia) Limited ABN 79 004 717 533, Australian Financial Services Licence #235906, the trustee of the Mercer Super Trust ABN 19 905 422 981 (‘Mercer Super’). 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. Please consider the Product Disclosure Statement, Product Guide, Insurance Guide, Financial Services Guide and Target Market Determination (TMD) 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.
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.