GROW YOUR RETIREMENT SAVINGS - MERCER KIWISAVER SCHEME

Last updated: 09/08/2024

Mercer’s schemes are designed to help you achieve financial freedom - with the smarts to get you the returns you deserve.

OUR INVESTMENT OPTIONS

Whether you’re an aggressive investor with an appetite for risk, the type who likes to play it safe or somewhere in between, we’ve got an investment option for you. We offer you a choice of seven different investment options - from 100% Cash to 100% Shares – so you can select the option/s that best meets your investment needs. 

We recommend you take our Fund Selector Tool to check what investment option/s is right for you. Mercer members can review and change their investment option by signing into their online account.

The risk indicator for each option below is based on a scale of one to seven, with one being the lowest risk (potentially lower returns) and seven being higher risk (potentially higher returns)*. 

The Mercer KiwiSaver scheme is a managed investment scheme. Mercer (N.Z.) Limited is a climate reporting entity (CRE) and is therefore required to publish annual climate-related disclosures for all registered managed investment schemes for which they act as manager. You can access the latest climate-related disclosures at crd-app.companiesoffice.govt.nz or at the link below:

Mercer NZ Climate Statement

Mercer KiwiSaver scheme

Cash

Invests entirely in cash and short term interest bearing investments.

• Designed for investors who want no exposure to growth assets or where the fund may be required in the short term
• Risk indicator: 2
• Recommended investment timeframe: No minimum timeframe
• Investment mix: 100% Defensive and 0% Growth

Sustainable Conservative

Invests mostly in defensive assets such as fixed interest and cash, with only limited investment in growth assets such as shares.

• May be suitable for investors who want to achieve slightly higher returns than those expected from investing solely in the Cash fund. Investors need to be comfortable with the possibility of some fluctuations in returns.
• Risk indicator: 3
• Recommended investment timeframe: 3 years
• Investment mix: 80% Defensive and 20% Growth

Sustainable Plus Moderate

Invests mainly in defensive assets such as fixed interest and cash, with about 40% invested in growth assets such as shares and real assets.

• May be suitable for investors who want to invest in a broad mix of assets and who are comfortable with a higher degree of volatility in returns than can be expected from the Sustainable Conservative fund
• Risk indicator: 4
• Recommended investment timeframe: 5 years
• Investment mix: 60% Defensive and 40% Growth

Sustainable Plus Balanced

Invests mainly in growth assets such as shares and real assets with about 40% invested in defence assets such as fixed interest and cash.

• May be suitable for investors who want a diversified investment with exposure to shares, real assets, fixed interest and cash. This fund can expect to have a higher degree of volatility in returns than can be expected from the Sustainable Plus Moderate fund and is more suited to investors who can invest for the long term
• Risk indicator: 4
• Recommended investment timeframe: 8 years
• Investment mix: 60% Growth and 40% Defensive

Sustainable Plus Growth

Invests predominantly in growth assets such as shares and real assets with only a limited amount in defensive assets such as fixed interest and cash.

• May be suitable for investors wanting to invest mostly in growth assets who are comfortable accepting more volatile returns than those expected from the Sustainable Plus Balanced fund with a view to achieving higher long-term returns
• Risk indicator: 5
• Recommended investment timeframe: 10 years
• Investment mix: 80% Growth and 20% Defensive

Sustainable Plus High Growth

Invests almost entirely in growth assets such as shares and real assets with only a small amount invested in defensive assets such as fixed interest and cash.

• May be suitable for investors wanting to invest predominantly in growth assets, who want higher long-term returns and are comfortable with higher volatility in returns
• Risk indicator: 5
• Recommended investment timeframe: 13 years
• Investment mix: 95% Growth and 5% Defensive

Sustainable Plus Shares

Invests almost entirely in shares.

• May be suitable for investors seeking exposure mostly to shares and who are comfortable with a high level of volatility in returns
• Risk indicator: 5
• Recommended investment timeframe: 13 years
• Investment mix: 100% Growth and 0% Defensive