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Securing a regular income in retirement

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Why choose a Mercer Super Trust allocated pension?


After years of hard work the day finally dawns when you retire and get access to your super savings. You may wish to take your super as a lump sum and have good reason for doing so. Alternatively, you can leave your super savings in the superannuation system as an allocated pension where it continues working hard for you, providing the regular income you need to enjoy your life after work.

As a member of the Corporate or Personal Superannuation Division you can simply transfer your super savings into the Allocated Pension Division of the Mercer Super Trust.  Here it benefits from tax-free investment earnings while you draw a regular income, just like a salary.

What are the benefits of a Mercer Super Trust allocated pension?

The investment earnings on your allocated pension savings are tax-free.  These tax-free earnings can significantly bolster your superannuation savings and hence your ongoing allocated pension income.

The regular income you receive and any ad hoc withdrawals you make from your allocated pension are tax-free if you are 60 years of age or over.

An allocated pension provides ready access to your capital. You have the ability to vary your regular income above the government minimum and make ad hoc cash withdrawals of at least $5,000, fee free.

The Allocated Pension Division allows you to select from a wide range of investment options and change your investment selections, fee free.

Importantly, an allocated pension provides peace of mind, leaving you free to enjoy your life after work with a greater degree of certainty.

What you need to consider

Before you make any decisions regarding the Allocated Pension Division of the Mercer Super Trust you should read the Product disclosure statement and seek advice from a licensed or appropriately authorised financial adviser.

We’re here to help

To discuss your retirement needs with a Mercer financial adviser, who is a retirement specialist, simply follow the link to our financial advice request form, select ‘Retirement options and strategies’ and we will contact you at your preferred time of day – fee free limited financial advice over the phone is just one of the many benefits you’ll enjoy as a member of the Mercer Super Trust.


 
 
This website is provided by Mercer (Australia) Pty Ltd (Mercer) ABN 32 005 315 917 as corporate authorised representative #260851 of, and on behalf of, Mercer Investment Nominees Limited (MINL) ABN 79 004 717 533, Australian Financial Services Licence #235906. MINL is the trustee of the Mercer Super Trust, ABN 19 905 422 981 (which includes the Corporate Superannuation, Personal Superannuation and Allocated Pension Divisions), the trustee of the Mercer Portfolio Service Superannuation Plan ABN 92 181 844 838, the responsible entity of the Mercer Portfolio Service Investment Plan and a wholly owned subsidiary of Mercer. Allocated Pensions and Transition to Retirement Allocated Pensions are provided through the Allocated Pension Division of the Mercer Super Trust. Mercer provides the Mercer Self-Managed Super Service (the Service) as a corporate authorised representative of MINL. Please refer to our Financial Services Guide. 'Mercer Wealth Solutions' and the petal logo are registered trademarks of MINL. Mercer financial advisers are authorised representative of MINL. This website contains general financial product advice which has been prepared without taking into account your personal objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement for any of the products referred to in this website or the Product Information Statement for the Service and obtain advice from a licensed, or appropriately authorised, financial adviser before making any decisions concerning any of those products or the Service. For details on obtaining a Product Disclosure Statement for any of the products referred to in this website or the Product Information Statement for the Service refer to the website or contact 1800 633 403. © 2010 Mercer (Australia) Pty Ltd.