WELCOME TO YOUR SCHEME INFOSITE FOR MERCER MASTER TRUST

WELCOME TO YOUR SCHEME INFOSITE FOR MERCER MASTER TRUST

You’ll find a wealth of useful and important information about your pension here. You’ll also see that some links and content are provided by our Administration Partner 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

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.

YOUR RETIREMENT JOURNEY

Where are you on your retirement journey? We’ve helped people plan their financial futures for more than 200 years. Let us help you.

Saving for your future

Approaching retirement

Taking your money

Managing money in retirement

TRANSFER YOUR PENSION

TRANSFER YOUR PENSION

WHAT HAPPENS WHEN YOU TRANSFER

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

 

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

FIND OUT MORE

FIND OUT MORE

Watch our short presentation recordings to learn more about Mercer Master Trust, saving for retirement and your investment options.

You can also learn more about the financial wellbeing tool available to you, Mercer Money.

TAKE A FEW MINUTES TO PLAN FOR THE 'WHAT IFS'.

TAKE A FEW MINUTES TO PLAN FOR THE 'WHAT IFS'.

Would you like to leave your pension to someone you care about? Or maybe there's a charity that you'd like to support?

It only takes a few minutes, just go to your 'personal details' page and add them as a beneficiary.

Log in to nominate

YOUR INVESTMENT CHARGES

YOUR INVESTMENT CHARGES

The fund charges shown in the Your Investment Choices section do not include policy or transaction charges. You can find more information on these charges in the Your Key documents library section.

YOUR INVESTMENT CHOICES

YOUR INVESTMENT CHOICES

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

Pension funds information & 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.
    Investment choices (PDF, 600KB) This leaflet lists the pension fund choices that are available to you and the total annual fund charge for each fund.
    Guidance on your fund choices (PDF, 6MB) This booklet provides information on the different fund choices that are available to you.
    Statement of investment principles (PDF, 10MB) This contains information in relation to the statement of investment principles (SIP) provided by the scheme trustees.
    Flexible income (drawdown) fund range (PDF, 200KB) This document list the funds and their objectives available should you select Flexible Income (Drawdown).
    SW Mercer Cautious Retirement (PDF, 200KB) Changes in the fund aim for the SW Mercer Cautious retirement fund.
    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 resolution process (PDF, 400KB) 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.

    The Chair’s annual governance statement (PDF, 5MB) The statement shows how the Trustees have met the statutory governance standards.
    Transaction costs (PDF, 100KB) A breakdown of transaction costs and charges for the funds available within the scheme.
    Illustrative examples (PDF, 300KB) A breakdown of transaction costs and charges for the funds available within the scheme.
    Implementation statement (PDF, 700KB) 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 (SIP).
    Transfer guide (PDF, 1MB) This guide describes the potential benefits of transferring existing benefits to your Retirement Account and highlights some of the things to consider.
    Internal dispute resolution procedure first stage application form (PDF, 100KB) First stage application form for those wishing to make a complaint.
    MMT Annual Infographic (PDF, 400KB) The Annual Infographic provides highlights from the Chair's Statement including how the Mercer Master Trust has been governed over the year, as well as other activity that has taken place.
    Trustee Chair statement bulletin 2023 (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 2023.

    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, 700KB)

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.
Joining form (PDF, 108KB)  If you wish to join the IMI pension scheme please complete this form and return it to your local HR contact.

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.

Read the report (PDF, 4MB) opens in a new tab

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