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).

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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, 2MB) 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.
    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 retirement savings.

    MoneyHelper guide - Your pension: your choices (PDF, 2MB) This guide, from the independent MoneyHelper service, is also designed to give details on the options available to you when you start to think about taking your retirement savings.
    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, 2MB) This guide explains the ways in which you can access your pension using the flexible income option.
    Flexible income fund range (PDF, 82KB) 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, 8MB) The statement shows how the Trustees have met the statutory governance standards.
    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, 1MB)

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.

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