[SPONSORED CONTENT]
Pension engagement only matters if it changes future financial outcomes. Mercer Money was built with that simple idea in mind: make it easier for members to understand their pension, make informed choices, and take the actions that genuinely improve retirement outcomes. What’s emerged is a consumer-grade pension experience that quietly removes friction, and, in doing so, helps people move from passive awareness to confident decision-making.
What members actually need and why it matters
When members engage with their pension, they’re not looking for complexity or clever features. They want three simple things: clarity on what they have saved, control over key decisions like naming beneficiaries and choosing a retirement age, and a straightforward way to take action. Mercer Money brings key pension information, detailed investment information and planning projections into one clear view and removes the “lost in paperwork” anxiety that often stops people from engaging.
That clarity leads to action. When compared with a benchmark drawn from a very large sample of workplace pension scheme members Mercer Master Trust members are:1
- 1.7x more likely to add beneficiaries,
- 1.8x more likely to select a retirement age
- 1.9x more likely to choose the income drawdown option
These are not abstract engagement metrics; they are the specific actions that support better retirement planning and outcomes.
Small nudges that create lasting habits
Good engagement isn’t about a single login. It’s about helping members build confidence over time. Features like the Mercer Money progressive profiler and first‑time user tutorial act as gentle prompts, offering quick wins that encourage members to take the next step rather than drop off.
The result is sustained interaction, not one‑off curiosity. Members are 5.6x more likely to visit the platform three or more times in a quarter than the benchmark2, indicating habit formation. Those repeat visits offer opportunities for action, checking balances, revisiting previous selections and using tools that turn considerations into actions.
A human-centred approach
“Pension engagement isn’t just about persuading people to do more, it’s about meeting them where they are”, explains Tim Stannard, Senior Product Owner, Mercer Master Trust. “Over time, we’ve focused on understanding the moments when members are most open to taking action and designing experiences that respond to that. When people feel informed and supported, they make better decisions, and that’s where the real impact sits.”
Looking ahead
Since its launch in 2020, Mercer Money has continuously evolved in response to changing member expectations, moving from a functional pension interface to a more personalised, consumer-grade experience. That evolution is already visible today, with the launch of a segmented life-stage user experience and expanded investment content that helps members focus on the actions most relevant to where they are in their retirement journey.
Development doesn’t stop there. Mercer Money will continue to iterate and refine, using insight from real member behaviour to shape future enhancements. The ambition remains consistent: keep pace with how people expect digital experiences to work, while ensuring every change helps members make clearer, more confident retirement decisions.
To read more articles from Mercer visit the content hub on Corporate Adviser – here.
____________________________________________________________________
1 Mercer Master Trust Q4 2025 Benchmark Report
2 Mercer Master Trust Q3 2025 Benchmark Report