Your super is important but it doesn’t have to be complicated. Our investment options are designed to produce the best results for different time frames and financial objectives.

How it works

Select an investment mix to get the most out of your super.

My mix

There are four options made to suit different time frames and financial objectives to get you the best results for your super.

You can choose a single option, or select a combination of the options to make up your investment mix.

  • High Growth
  • Balanced Growth
  • Conservative Growth
  • Cash

If you don’t make a choice your accounts will be invested in the (default) Balanced Growth option.

 

The options

Find out about the four options and choose what to include in your investment mix. We can help you select the mix that you are comfortable with.

High Growth
Balanced Growth (default)
Conservative Growth
Cash

High Growth

Most suited to members who want higher returns in the long term and can put up with large variations in the short term. High Growth investment has the highest volatility and expected higher long term returns. The objective is to achieve investment returns after tax and fees exceeding the increase in the Consumer Price Index (CPI) plus 4% pa over rolling 10-year periods. The minimum investment time frame is 10 years (or more).

High growth has a very aggressive investment risk profile. It is fully invested in growth assets.

PERFORMANCE SNAPSHOT (Accumulation)
7.52%
5 year average return per annum performance
2.78%
Return for the 2020 Financial Year

High Growth

Strategy Assets Allocation
Growth 		Australian Shares 37.5%
Growth 		Overseas Shares 37.5%
Growth/Defensive 		Property 15.0%
Growth/Defensive 		Alternatives 10.0%
Defensive 		Fixed Interest 0%
Defensive 		Cash 0%

Balanced Growth

Most suited to members who want reasonable medium term returns and can put up with large variations in the short term. Balanced Growth investment has high volatility and medium growth. The objective is to achieve investment returns after tax and fees exceeding the Consumer Price Index (CPI) plus 3% pa over rolling 10-year periods, and to exceed the median return in the Super Ratings Survey of Balanced Options over rolling 10-year periods. The minimum investment time frame is 10 years.

Balanced Growth has a moderately aggressive investment risk profile. Around 70% is invested in growth assets.

PERFORMANCE SNAPSHOT (Accumulation)
6.26%
5 year average return per annum performance
2.79%
Return for the 2020 Financial Year

Balanced Growth

Strategy Assets Allocation
Growth 		Australian Shares 25.5%
Growth 		Overseas Shares 25.5%
Growth/Defensive 		Property 13.0%
Growth/Defensive 		Alternatives 16.0%
Defensive 		Fixed Interest 13.0%
Defensive 		Cash 7.0%

Conservative Growth

Most suited to members who prefer stable but moderate returns over the short to medium term. Conservative Growth investment has low volatility and expected stable but low returns. The objective is to achieve investment returns after tax and fees exceeding the Consumer Price Index (CPI) by 1.5% pa over rolling 10-year periods. The minimum investment time frame is 3 years.

Conservative Growth has a moderately conservative investment risk profile. The strategy is around 30% growth.

PERFORMANCE SNAPSHOT (Accumulation)
4.48%
5 year average return per annum performance
2.73%
Return for the 2020 Financial Year

Conservative Growth

Strategy Assets Allocation
Growth 		Australian Shares 10.0%
Growth 		Overseas Shares 10.0%
Growth/Defensive 		Property 10.0%
Growth/Defensive 		Alternatives 15.0%
Defensive 		Fixed Interest 25.0%
Defensive 		Cash 30.0%

Cash

Most suited to members seeking to minimise their investment risk over the short term. Cash investment has very low volatility and the lowest rate of growth in the long term. The objective is to aim to meet the Bloomberg AusBond Bank Bill Index before tax and fees over rolling one-year periods. There is no minimum investment time frame.

Cash is fully invested in short term fixed interest investments, and has a very conservative investment risk profile. It utilises a defensive strategy.

PERFORMANCE SNAPSHOT (Accumulation)
1.52%
5 year average return per annum performance
0.57%
Return for the 2020 Financial Year

Cash

Strategy Assets Allocation
Growth 		Australian Shares 0.0%
Growth 		Overseas Shares 0.0%
Growth/Defensive 		Property 0.0%
Growth/Defensive 		Alternatives 0.0%
Defensive 		Fixed Interest 0.0%
Defensive 		Cash 100.0%

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My investment strategy

To choose the options in your investment mix, you should consider which strategy is best for you.

Growth
Defensive

Growth strategy

The growth strategy carries the most short-term risk but has the highest potential return. Growth assets include shares, property, alternatives and infrastructure.

It could be the most appropriate strategy if you are investing for the long-term and want to protect the buying power of your savings against inflation.

Rates of return from growth investments can be expected to vary widely in the short-term, with a significant chance of negative returns over a one-year period. For those with patience and a long-term timeframe, a growth strategy is likely to produce the best results.

Defensive strategy

The defensive strategy carries lower risk but lower stable returns. The most defensive investment is ‘cash’, where money is normally invested short-term with banks, guaranteed against loss.

Defensive investment could be the most appropriate strategy if you have short-term needs for your retirement.

The risk associated with this strategy is whether your super benefit will keep pace with inflation. This is particularly important if you have a long investment period ahead.

What type of investor am I?

Find out what type of investor you are by using our planning tool or giving us a call on 1300 307 844. We have a team of experienced advisers who can help you choose your mix of investment options.

Planning tool

Investment choice changes

There are no fees to change your mix of investment options. Accumulation Scheme members may make investment choice changes online through their account. Alternatively, you can complete the Investment Choice form for your division available below and email it to us at eiss@mercer.com.

Any change you make will take effect from the beginning of the next month, provided you return your form at least a week before.

What's next?

Investment performance

Compare the performance of our investment options over the last 5 years.

My life changes

Manage your super throughout life’s changes to best prepare for the future.

How much will I need?

Find out how much you’re likely to need to enjoy the lifestyle you want in retirement.

What our members say

“I gained a better understanding of my current superannuation position, other superannuation products available to me & general retirement options.”

Members

We’re here to guide you through your journey with super, helping you reach your financial goals. From planning and growing, to getting your super, you can find all the information and resources you need to make the changes that suit you.

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