Whether you need a little help or a lot
Planning for the future can feel daunting – knowing where to start, where to get help, and what your retirement will look like beyond the financials. Whether you need a little help or a lot to get on the right track from the start, we’re here to support and guide you.
What's covered in this guide:
Get ready to take control of your future
The right advice and tools at the right time can give you the confidence to take control of your finances. As a Mercer Super member, you have access to a range of options tailored to your needs – from online calculators and practical planning tools to phone support and one on one consultations.
These resources are designed to help you set realistic retirement goals, understand your investment choices and entitlements, and build a clear plan you feel confident about. Whether you need a quick check in or ongoing guidance, we’ll help you find the right support for you.
How to prepare for an advice conversation
Being well prepared before speaking with an adviser means they can spend more time focusing on you, your goals, and how to achieve them.
Five questions to ask yourself before your appointment:
What are my fixed expenses and what do I need to live on?
Our Retirement budget template can help identify your essential costs.When do I want to retire?
Retirement strategies can take time to show results, so it helps to have a clear timeframe in mind.What’s my current financial position?
What is your super balance, are you making any additional contributions and do you have any insurance through your super?What level of risk am I comfortable with?
Do you want to accept a slightly higher level of risk in return for higher growth potential or do you prefer a more conservative approach?What type of lifestyle do I want in retirement?
Spend a little time thinking about what’s important to you and how you want to spend your time in retirement.
Additional resources
Advice appointment checklist
Download our checklist of what to bring to your adviser appointment
Retirement lifestyle checklist
Our retirement lifestyle checklist can help you identify your needs and priorities
Retirement budget template
Download our budget template and use it to work out your ongoing income and expenses
Explore more: it’s your time to thrive
When can I retire?
Choosing when to retire is personal – but a few key milestones are worth knowing. Other personal milestones can also shape when the timing feels right for you.
How much super will I need?
According to the Australian Bureau of Statistics, many of us can expect to live well into our 80s. How much you’ll need to fund those years depends on your lifestyle and the financial choices you make.
Where will my retirement income come from?
Australia’s retirement system is built on three pillars – super, the Age Pension and personal savings. Understanding how they work together puts you in control of your financial future.
* Any information in this material regarding legal, accounting or tax outcomes does not constitute legal advice or an accounting or tax opinion and prior to relying and acting on this information it is important that you seek independent advice from a qualified lawyer or accountant regarding this information. 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.
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 which we believe to be accurate.
Issued by Mercer Superannuation (Australia) Limited (MSAL) ABN 79 004 717 533, Australian Financial Services Licence #235906, the trustee of Mercer Super Trust ABN 19 905 422 981 (‘Mercer Super’).
Any advice provided is of a general nature and does not take into account your objectives, financial situation or needs. Before acting on any advice we recommend you obtain your own financial advice and consider the Product Disclosure Statement and Financial Services Guide available at mercersuper.com.au. The product’s Target Market Determination setting out the class of people for whom the product may be suitable can be found at mercersuper.com.au/tmd.
‘MERCER’ and 'Mercer SmartPath®' are Australian registered trademarks of Mercer (Australia) Pty Ltd ABN 32 005 315 917.