We’re here to support you
We’re here to help make managing your super simple – from getting started as a new member, to providing information and education about superannuation, retirement planning, and investment options. This can help you make informed decisions about your super and plan for a brighter retirement.
Super is a long-term investment to fund retirement. Accessing super early is strictly limited to special circumstances.
However, in some cases, you may be able to get some of your super early. You’ll need to meet one of the following eligibility requirements:
- severe financial hardship
- compassionate grounds
- terminal illness or permanent incapacity.
- permanently leaving Australia
- have less than $200 in your super fund
Financial hardship payments are taxed as a super lump sum. If you're under 60 years old, this is generally taxed between 17% and 22%. Super withdrawals are tax-free for those aged 60 and over.
Investment options
Mercer Super's award-winning1 default investment option, Mercer SmartPath®, has delivered 7.4% p.a. over 10 years for one of our largest cohort of members,2 outperforming the comparative industry median of 6.9% p.a.
Learn more about Mercer Super's investment options and how those options have performed over time.
Mercer Super's investment options
Mercer Super's investment performance
Tools and calculators
Take the guesswork out of super with our range of tools and resources, designed to help you prepare for a secure financial future.
Explore our Retirement Income Simulator
Calculate your insurance cover needs
Learn about super and retirement
Timing your retirement is an important decision that has an impact on both your personal and working life. Secure your future with a retirement plan – whether you’re retiring in the next 30 years, or you’re ready to retire today.
Advice tools and services for members
Mercer Super members have access to our self-serve e-Advice tool, limited phone-based advice and a Retirement Income Simulator – all at no additional cost.
For members with advice needs outside their Mercer Super account, we can refer you to a licensed Mercer Financial Advice financial planner who can provide tailored advice to help you with your targeted financial goals. This is a fee-based service, and you will be informed of all costs before any work is undertaken. The first meeting is complimentary.
Access e-Advice
Retirement Income Simulator
Contact Mercer Helpline
Frequently Asked Questions (FAQs)
Below is a list of common questions you might have about your super account.
- For information relating to the BT Super transfer, visit BT Super Member support.
Member Online
Visit the Member Online page for more information.