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The way your super is invested can make a big difference to your future balance and achieving your retirement goals.

We recognise that members have different priorities and views about the way their super is invested which can also change as their lives evolve. That’s why we offer a carefully selected mix of investment options to meet different investment needs.

With Mercy Super you can change your investment options at any time free of any transaction or buy/sell fees.

Your options – the choice is yours

For your Income Account you’ll need to choose the allocation of investment options for your current balance and which options you would like your Income Account payments to be paid from.

For your current balance investment allocation you can choose to allocate your account across one or more of the available investment options (see below) by choosing a specific percentage to each of your chosen options.

For your Income Account payments, you can choose to have these paid as follows:

  • Same as existing balance – If you choose this option your income payments will be drawn across your selected investment options in the same proportions as your existing balance at the time of payment
  • Priority order – If you choose this option your income payments will be drawn sequentially in order of priority across your chosen investment options. You’ll need to indicate the order of priority how you want your payments to be deducted across all your investment options, making sure all investment options you hold are numbered your desired priority order
  • Proportional percentage – If you choose this option your income payments will be drawn according to your nominated percentage across your chosen investment options. You’ll need to indicate the percentage from each investment option you want your payments to be drawn from.

These options provide you with flexibility to implement a range of investment strategies for your income account, enabling you to choose to retain some investment options for longer term investments while your regular and one-off payments are drawn from investment options you have selected for shorter term investment needs. The choice is yours.

Investment options for your Income Account

The table below summarises all the Mercy Super investment options available for your Income Account, including their strategic allocation to Growth and Defensive assets and risk rating.

You can use this table below as a guide to help choose your investment options. You can mix and match the options to achieve your desired investment strategy by allocating a specific percentage to each of your chosen options, or you can simply decide to allocate 100% to a single option.

Investment option Asset type (based on Strategic Asset Allocation) Estimated number of negative annual returns over any 20 year period Risk label
84.5% Growth
15.5% Defensive
5.03 High
73% Growth
27% Defensive
3.66 High
54% Growth
46% Defensive
3.66 Medium to High
37% Growth
63% Defensive
2.79 Medium
100% Defensive
Less than 0.5 Very Low

Implementing your choice

To make a change to the investment options for your income account simply log into your account through Member Online . You can also change your investment options by completing and returning an Investment option change – Income Accounts form.

Before you make a choice you should read the information on this page and the Income Account guide and the Your investment options guide to help you understand the basics of investing and the potential risks.

TIP: Spreading your investments across a range of asset classes can help reduce your reliance on the performance of a single asset class. This is referred to as diversifying your investments.

Need help working out what is the best investment strategy for you? Choosing the right investment strategy is a key part of building your retirement savings but it can be daunting. That’s OK – we can help you choose an appropriate mix of investment options based on your personal circumstances and goals.

Try our investment profile calculator or set up an appointment with one of our in-house financial advisers. Just contact us on 1300 368 891 and we’ll help you get the most out of your super.

What you need to know

Investment changes will be effective from the date the change is processed by the Fund.

You can change your investment options as much as you like (subject to a maximum of one per day), but it’s important to understand that frequent switches can work against you. It’s better to select the investment option that’s right for your long-term needs and only make a switch when your needs evolve again.

If we receive multiple investment change requests for processing on the same day, the most recent request will be the change implemented.

Please note that the Trustee reserves the right to process your request at a later time should this be necessary for reasons such as excessive market volatility.

Risk and return

When discussing investments, you’ll hear a lot about “Risk and Return” – but what does this actually mean?

  • Risk essentially means volatility – how frequently and by how much investment returns can move up and down.
  • Return refers to the change in value of your super investment – which can be positive (an increase in value) or negative (a decrease in value) over a given period of time.

Risk and Return are related – generally investment options aiming for higher returns carry more risk (volatility).

How we invest

Learn more about how we invest your super. Find out more

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