WELCOME TO YOUR MERCER MASTER TRUST PENSION INFOSITE

WELCOME TO YOUR MERCER MASTER TRUST PENSION INFOSITE

You’ll find a wealth of information about your workplace pension saving here. You'll see that content is provided by both Mercer and the Mercer Master Trust administrator, Scottish Widows.

MERCER RETIREMENT SERVICES

MERCER RETIREMENT SERVICES

To cater for the widest possible range of needs, preferences and budgets, we offer a selection of ways to help you make your choices at retirement, including support services, online retirement planning, financial advice and in-person financial advice.

Find out more

MERCER MASTER TRUST BRINGS YOU MERCER MONEY

MERCER MASTER TRUST BRINGS YOU MERCER MONEY

Your pension scheme is part of the Mercer Master Trust, which is administered by Scottish Widows. You can access your retirement account through the Mercer Money website and mobile app. 

Mercer Money offers a range of tools, and other features, to help you plan for retirement and manage your finances generally. You will be sent details about how to activate Mercer Money.

COMBINING PENSION POTS

COMBINING PENSION POTS

REQUESTING A PENSION TRANSFER

You’re a member of the Mercer Master Trust. This pension scheme is governed by a board of trustees and administered by Scottish Widows on their behalf. When you ask us to start a transfer, we'll contact the provider of the pension you want to transfer on your behalf.

 

HOW WE MANAGE YOUR DETAILS

During this process, we'll ask you to provide some personal details. You can read about how the trustees manage this information in their Fair Processing Notice (PDF, 183KB).

Get started (PDF, 1.4MB) This PDF file will open in a new window

Tools to help plan your future

PENSION FUNDS

PENSION FUNDS

You can find full details of fund choices in the Mercer Master Trust investment guide (PDF, 2MB).

You can find more information on the charges relating to your fund choices in Your investment choices and charges (PDF, 600KB). The fund charges shown in this document do not include policy or transaction charges. 

Funds and investing

Funds and investing

Click on the links below for information on your investment choices.

Fund factsheets

 

Find out more about funds and investing

YOUR KEY DOCUMENTS LIBRARY

  • Introduction to investing (PDF, 1MB) This booklet explains the different types of investment choices available to you and how they work.
    Your investment choices and charges  (PDF, 600KB) This leaflet lists the investment fund choices that are available to you and the total annual fund charge for each fund.
    Mercer Master Trust investment guide (PDF, 2MB) This provides a guide to your Mercer Master Trust investment choices.
    Statement of investment principles (PDF, 10MB) This is the Mercer Master Trust Trustees' Statement of Investment Principles.
    SW Mercer Cautious Retirement (PDF, 200KB) Changes in the fund aim for the SW Mercer Cautious retirement fund.

    Implementation statement (PDF, 700KB)

    This sets out how, and to what extent the Trustees' Statement of Investment Principles was followed during the previous Scheme year.

    Costs and Charges Information This contains information relating to the costs and charges applicable to the scheme in the form of the Chair’s Statement, illustrative examples and transaction costs data. Please note that this information will be published once available.

    We may have provided links to documents and other information supplied by third parties (including your employer or scheme trustees, and their advisers), who are solely responsible for their content and accuracy. All statements, views and opinions contained in these documents and other information are those of the third parties, not Scottish Widows.

  • Helping You Prepare for Your Retirement (PDF, 1MB)

    This guide gives details of the options available to you when you want to start taking your benefits.

    MoneyHelper guide - Your pension: your choices (PDF, 2MB) This guide, from the independent MoneyHelper, is also designed to give details on the options available to you when you start to think about taking your benefits.
    Things to Think at Retirement (PDF, 92KB) This leaflet provides information on the things to consider prior to taking your pension.
    Your guide to flexible income (PDF, 306KB) This guide explains the ways in which you can access your pension using the flexible income option.
    Flexible income fund range (PDF, 90KB) This guide is designed to give you an understanding of the funds you can invest in if you wish to take a flexible income.

    We may have provided links to documents and other information supplied by third parties (including your employer or scheme trustees, and their advisers), who are solely responsible for their content and accuracy. All statements, views and opinions contained in these documents and other information are those of the third parties, not Scottish Widows.

  • Internal dispute resolution process (PDF, 100KB) Information that sets out the formal procedure if you have a complaint.
    Internal dispute resolution procedure first stage application form (PDF, 100KB) First stage application form for those wishing to make a complaint.
    Fair processing notice (PDF, 500KB)

    This notice provides information on how the Trustees use your data.

    The Chair’s annual governance statement (PDF, 3MB) This statement describes how the Trustees seek to ensure that the Mercer Master Trust is well-managed and delivers excellent services to members.
    Transfer guide (PDF, 5MB) This describes potential benefits of transferring retirement savings from elsewhere into your Mercer Master Trust account. 
    Trustees' annual update (PDF, 400KB) This contains highlights from the Chair's Statement and other news and information about the Mercer Master Trust in the previous Scheme year.
    Transaction costs (PDF, 200KB) A breakdown of transaction costs and charges for the funds available within the scheme.

    We may have provided links to documents and other information supplied by third parties (including your employer or scheme trustees, and their advisers), who are solely responsible for their content and accuracy. All statements, views and opinions contained in these documents and other information are those of the third parties, not Scottish Widows.

Member guide (PDF, 2MB)

This guide should answer most of the questions you might have about your plan.

Pension tax (PDF, 3MB) This guide gives information on how your plan is affected by current tax legislation.

We may have provided links to documents and other information supplied by third parties (including your employer or scheme trustees, and their advisers), who are solely responsible for their content and accuracy. All statements, views and opinions contained in these documents and other information are those of the third parties, not Scottish Widows.

WOMEN IN RETIREMENT REPORT

WOMEN IN RETIREMENT REPORT

Our latest Women and Retirement report dives deeper into some of the reasons behind the gender pension gap, showing that deep-seated structural inequalities remain on pay and employment.

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Contact us

By phone

0800 587 1912

 

CALLING FROM ABROAD

+44 113 208 3867

 

OPENING HOURS

Monday to Friday, 8am to 6pm

By post

Scottish Widows Workplace Savings
PO Box 24173
69 Morrison Street
EDINBURGH
EH3 1HP