MERCER MASTER TRUST RETIREMENT SECTION
Flexible access to your retirement savings
The Mercer Master Trust Retirement Section is designed to enable you to invest your retirement savings to provide a flexible income, (known as 'flexible income drawdown') or ad hoc lump sums.
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Investment choices and charges (PDF, 500KB) This leaflet lists the fund choices that are available to you and the total annual fund charge for each fund. Introduction to investing (PDF, 1MB) This booklet explains the different types of investment choices available to you and how they work. Investment guide (PDF, 3MB) This guide provides information on the different fund choices that are available to you. Costs and Charges Information Information about scheme costs and charges, including the Trustee Chair’s statement, illustrative examples and transaction cost details are in the ‘other information’ section of this library. Illustrative examples (PDF, 200KB) Illustrative examples for the costs and charges applicable to the Scheme using a set of assumptions representative of the membership and funds 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.
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Your guide to flexible income (PDF, 1MB) This guide explains the ways in which you can access your retirement savings using the flexible income option. Your Pension (PDF, 2MB) This guide, from the Government MoneyHelper service, is also designed to give details on the options available to you when you start to think about taking your benefits. Flexible income fund range (PDF, 200KB) This guide is designed to give you an understanding of the funds you can invest in if you wish to take a flexible income. Consider your state pension (PDF, 3MB) This guide gives information on how your retirement savings are affected by current tax legislation, as well as covering the state pension. 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.
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The Chair’s annual governance statement (PDF, 3MB) The statement shows how the Trustees have met the statutory governance standards. Statement of Investment Principles (PDF, 2MB) This contains information in relation to the statement of investment principles provided by the Trustees. Implementation Statement (PDF, 2MB) Outlining how and to what extent trustee investment action over the course of the previous year follows the investment intent, as set out in the scheme’s Statement of Investment Principles. Internal resolution process (PDF, 200KB) Information that sets out the formal procedure if you have a complaint. Fair processing notice (PDF, 100KB) This notice provides information on how the Trustees use your data. Trustee Chair statement bulletin 2024 (PDF, 2MB) An update from the Trustees of the Mercer Master Trust which will provide you with a brief overview of the year to 31 March 2024. 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) | Your guide to the Mercer Master Trust Retirement section. |
| Pension Tax (PDF, 3MB) | This guide gives information on how your plan is affected by current tax legislation. |
| Transfer guide (PDF, 4MB) | Combining your pensions once a member of the Mercer Master Trust Retirement Section. |
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.