Mercer | Retirement Incomes

Wealth and Investments

Retirement Incomes

Improving Employee Retirement Incomes and Employer Outcomes

The yin and yang of defined contribution plans. For employers, defined contribution retirement plans represent freedom from financial volatility, traditional pension risk, market volatility, and long-term financial uncertainty; however, they also impose new risks and responsibilities on the employer. For employees, defined contributions offer individual control, greater flexibility, and, in an ideal world, access to institutionally priced investments.

Defined Contributions — Refined for Your Organisation

Mercer can help design, plan, and manage customized defined contribution plans. We help employers optimize plans both globally and locally. We align organizational objectives with workforce demographics and employee behaviors to identify how employers can help improve retirement outcomes for their employees while meeting workforce management needs.

Mercer — a Lifeline for Your Defined Contribution Retirement Plans

Mercer works closely with our clients to provide tools and services that may improve employee retirement incomes and optimize employer outcomes. Some examples of our market-leading, client-driven tools and services include:

  • Global DC management: helping clients analyze their plans both globally and locally, and optimizing plan design features.
  • Financial wellness: evaluating workforce characteristics to drive campaigns and client objectives.
  • Mercer LifetimePlus®: providing Australian plan members with a market-leading approach to de-accumulate assets and reduce longevity risk.
  • Mercer investment platforms: utilising our institutional investment experience to provide competitive and compelling investment options to all clients.
  • This includes our Delegated DC offering (US), Mercer Super Trust® (Australia), AspireTM (Ireland), Mercer Workplace Savings (UK), and many more.

Making Retirement Work

Few organizations have Mercer’s deep experience in developing defined contribution plans. Our global and local knowledge help you develop a plan that  is creating your desired outcomes and can sustain your members over time.

If you’d like more information on how to make sure your plan is founded on sound business principles, please contact us.

How Mercer Can Help

Mercer can help design, plan, optimize, and manage customized defined contribution plans globally and locally.

Retirement Product and Services Australia

Mercer LifetimePlus®

A multi-award winning investment option designed to protect Australians against longevity risk - the risk of outliving their savings. It offers Australians access to simple, affordable and flexible risk protection.

Mercer LifetimePlus is simply an additional investment option built into your account based pension portfolio. It will help your members address longevity risk by paying them an income for the rest of their lives.

Mercer Retirement Readiness Index

Mercer Retirement Readiness Index provides your superannuation fund with a clear view of your members’ readiness for retirement and a means to measure your strategies for improving their retirement outcomes.

Mercer Retirement Readiness Index instantly measures how your members are tracking towards achieving a comfortable retirement. Mercer Retirement Readiness Index is accessed through a secure web-portal.

Retirement Consulting

A diverse group of consultants with specialised skills in actuarial, governance, legal and investment skills that work across the industry supply chain

As Australia’s retirement sector continues to grow and mature so too does the fiduciary responsibility of those entrusted to secure retirement funds for employees and members. With ongoing regulation and industry reform those operating in the retirement industry are now a critical component of the financial services industry. This is why Mercer’s clients are not just some of the largest superannuation providers but they are also diversified wealth managers, asset managers, insurance providers, and financial planning advisors. We have a diverse group of consultants with specialised skills in actuarial, governance, legal and investment skills that work across the industry supply chain.

Legal and Governance

A guide to achieving your strategic vision and goals through the right systems, people and processes.

Good governance means having the right systems, people and processes in place to successfully realise your vision and achieve your goals. It ensures that your strategy will continually guide you in the right direction to meet your objectives, and that you have the appropriate structures and policies in place to do so. It is also about understanding and managing risks, having the ability to optimise operations and effectively monitoring performance.

Retirement Income Simulator

Our Retirement Income Simulator takes all of Mercer’s actuarial smarts, along with our in-depth knowledge of the superannuation industry and loads it into a digital tool so that funds can supply this to members via their website.

Breaking down complex financial scenarios is often one of the barriers for members not taking action around their financial future. It’s not a straightforward exercise to forecast how much money you might need for your retirement. Many factors will come into play, including age, income, marital status, life expectancy, life circumstances such as career breaks, changes to family structures, market risk, and ongoing changes to tax and regulations. Our retirement consultants are able to build robust financial calculators that can plan for a number of different scenarios, and give members greater clarity and confidence around managing their financial future.

Mercer Allocated Pension

Mercer Super Trust's reputation as one of Australia's premier superannuation funds was established by accommodating and managing the complex superannuation arrangements many large companies have inherited. The Mercer Super Trust takes on the complex task of providing superannuation packages for your employees, so you can concentrate on what you do best - running your business.

The Mercer Super Trust is one of the super funds of choice for large Australian employers who need a super program that reflects the specific needs of their workforce. With over 240 employer plans and 240,000 members, we're one of Australia's leading corporate master trusts.

Retirement Projection Statements

Custom retirement income projections generated for campaign-based communications and regular annual statements

Our Retirement Income Projection Statements leverage our robust Retirement Income Simulator engine to create engaging projection statements for campaign-based communications, or supplementary pages to be issued alongside regular annual statements.

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