Mercer Santos MySuper
This product at its cheapest stage charges less than the median MySuper product, which costs $400 a year on a $50,000 balance.
Returns are what this product has already earned over the period shown. They are not a forecast and they do not indicate what it will earn next.
Fund and Product Details
| Offered by | Mercer Super |
|---|---|
| Trustee | Mercer Superannuation (Australia) Limited |
| Fund | Mercer Super Trust |
| Type of fund | Retail fund Run by a bank, insurer or investment company, which earns a profit from running it as well as paying returns to members. Anyone can generally join one. |
| Who can join | Anyone can join this fund |
| How your money is invested | Moved between investments as you get older, in 19 published stages |
| APRA annual performance test | Pass |
| Member accounts | 1,300 |
| Total member assets | $391.2m |
Fees and returns by lifecycle stage
This is a lifecycle product, so it invests a member differently depending on their age and publishes a separate set of figures for each stage. That is why the fees and returns above are shown as a range rather than a single number. Each range runs from the lowest to the highest figure among the stages that reported one, and the table below lists every stage with the figures it reported. Stage names appear exactly as the fund published them.
- Growth assets
- 87.77%
- Total fees on $50,000
- 0.67%$335 a year
- Net return, 7 years
- 6.73% a year
- Net return, 10 years
- 7.25% a year
- Growth assets
- 61.27%
- Total fees on $50,000
- 0.76%$380 a year
- Net return, 7 years
- 6.09% a year
- Net return, 10 years
- 6.80% a year
These are the first and last stages in the order the fund published them. The lowest and highest figures in a range can belong to any stage.
All 19 published stages
| Stage | Growth assets | Total fees | Admin fees | Net return | Investment return | ||||
|---|---|---|---|---|---|---|---|---|---|
| 5 years | 7 years | 10 years | 5 years | 7 years | 10 years | ||||
| Mercer SmartPath - Born 2014 to 2018 - CSD | 87.77% | 0.67% | 0.06% | 6.31% | 6.73% | 7.25% | 6.79% | 7.12% | 7.58% |
| Mercer SmartPath - Born 2009 to 2013 - CSD | 88.60% | 0.67% | 0.06% | 7.75% | 7.76% | 7.97% | 8.23% | 8.15% | 8.30% |
| Mercer SmartPath - Born 2004 to 2008 - CSD | 89.19% | 0.69% | 0.06% | 7.98% | 7.93% | 8.09% | 7.92% | 7.93% | 8.15% |
| Mercer SmartPath - Born 1999 to 2003 - CSD | 89.71% | 0.68% | 0.06% | 8.11% | 8.02% | 8.16% | 8.04% | 8.01% | 8.21% |
| Mercer SmartPath - Born 1994 to 1998 - CSD | 90.22% | 0.69% | 0.06% | 8.14% | 8.04% | 8.17% | 8.06% | 8.03% | 8.22% |
| Mercer SmartPath - Born 1989 to 1993 - CSD | 90.30% | 0.69% | 0.06% | 8.20% | 8.08% | 8.20% | 8.11% | 8.07% | 8.25% |
| Mercer SmartPath - Born 1984 to 1988 - CSD | 90.28% | 0.70% | 0.06% | 8.21% | 8.09% | 8.20% | 8.13% | 8.08% | 8.26% |
| Mercer SmartPath - Born 1979 to 1983 - CSD | 90.45% | 0.72% | 0.06% | 8.20% | 8.08% | 8.20% | 8.13% | 8.08% | 8.25% |
| Mercer SmartPath - Born 1974 to 1978 - CSD | 90.55% | 0.73% | 0.06% | 8.19% | 8.07% | 8.20% | 8.12% | 8.07% | 8.25% |
| Mercer SmartPath - Born 1969 to 1973 - CSD | 86.16% | 0.74% | 0.06% | 8.11% | 8.01% | 8.15% | 8.03% | 8.01% | 8.20% |
| Mercer SmartPath - Born 1964 to 1968 - CSD | 75.59% | 0.76% | 0.06% | 7.36% | 7.48% | 7.78% | 7.34% | 7.51% | 7.86% |
| Mercer SmartPath - Born 1959 to 1963 - CSD | 66.66% | 0.80% | 0.06% | 6.48% | 6.85% | 7.33% | 6.53% | 6.93% | 7.45% |
| Mercer SmartPath - Born 1954 to 1958 - CSD | 61.60% | 0.77% | 0.06% | 5.75% | 6.33% | 6.97% | 5.88% | 6.47% | 7.12% |
| Mercer SmartPath - Born 1949 to 1953 - CSD | 61.38% | 0.77% | 0.06% | 5.61% | 6.23% | 6.90% | 5.75% | 6.38% | 7.06% |
| Mercer SmartPath - Born 1944 to 1948 - CSD | 61.42% | 0.74% | 0.06% | 5.51% | 6.16% | 6.85% | 5.64% | 6.30% | 7.00% |
| Mercer SmartPath - Born 1939 to 1943 - CSD | 61.09% | 0.75% | 0.06% | 5.56% | 6.19% | 6.87% | 5.70% | 6.34% | 7.03% |
| Mercer SmartPath - Born 1934 to 1938 - CSD | 61.52% | 0.76% | 0.06% | 5.58% | 6.21% | 6.88% | 5.72% | 6.35% | 7.04% |
| Mercer SmartPath - Born 1929 to 1933 - CSD | 60.89% | 0.72% | 0.06% | 5.70% | 6.29% | 6.94% | 5.84% | 6.44% | 7.10% |
| Mercer SmartPath - Born prior to 1929 - CSD | 61.27% | 0.76% | 0.06% | 5.41% | 6.09% | 6.80% | 5.56% | 6.23% | 6.96% |
Fees and net returns are shown as a share of a $50,000 balance, which is the balance APRA reports them at. Investment returns are published as a rate, not against a balance. Every return is a yearly average over its period. A dash means the fund has not reported that figure, usually because the stage does not have enough history for the period. It does not mean a return of zero.
Figures on this page are published by APRA in its annual Comprehensive Product Performance Package. This page is general advice only, not personal advice. It does not take into account your objectives, financial situation or needs. Fees and returns are shown as a share of a $50,000 balance because that is the basis APRA reports them on, and your own balance, insurance cover and contributions will change what you actually pay and earn. Read the fund’s Product Disclosure Statement and Target Market Determination before making any decision. CompareThat is a comparison service and is not a superannuation fund or a financial adviser. No one has paid for this product to appear here or for the position it holds in our listings.
Important information
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Fees and returns shown are the figures published in APRA’s annual product performance publications, expressed as a percentage of a $50,000 account balance. They are updated when APRA republishes, not daily, and fees a fund charges may have changed since. Returns are what a product has already earned after fees and tax. Past performance is not an indicator of future performance. Before acting on any information shown here, you should confirm the fees, returns and product information with the fund.
We do not compare every MySuper product available in Australia, and this table does not compare every feature that may be relevant to you. Products are selected for relevance to the table and to the filters applied. They are not suggestions or recommendations, and the order they appear in is not a ranking of suitability. Changing the filters will surface further relevant products. See how we sort and rank products.
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This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the fund’s Product Disclosure Statement and Target Market Determination before deciding, and consider whether the product suits your age, your other super and your circumstances. CompareThat compares products. We do not arrange, approve or process applications.