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Defined contribution pensions in Ireland


There’s a lot going on when it comes to defined contribution (DC) pensions in Ireland today. With more and more people depending on DC savings in retirement, having access to the right solution has never been more important.


Employers and trustees, concerned with managing the rising costs and risks associated with new governance requirements, are also keenly aware of what’s at stake for them and their individual members.


As a leader in DC pension savings, we can assure that our clients and their members are in good hands. Globally, Mercer has more than 2,700 clients with more $15 trillion in assets under advice[1], and in Ireland specifically, our innovative DC solution, Mercer Aspire, now has more than 80,000 members covering more than 200 plans — that’s more than €5 billion in assets[2].


About Mercer Aspire


Mercer Aspire is an integrated DC investment, communications, governance and administration solution that is built around your members’ needs. It evolves to reflect new ideas, opportunities and changing market conditions.


We’re proud of the positive impact that Mercer Aspire is having on member retirement outcomes in so many ways.


First and foremost, Mercer Aspire has delivered consistently strong performance since inception in 2012. Second, we’ve successfully partnered with trustees to provide members with timely and relevant communication to help them navigate recent turbulent times. Third, sustainability is a central consideration of our default growth portfolio, so members can be assured that their money is invested with the future in mind.

About Mercer Aspire

"At its core, Mercer Aspire looks out for your members, bringing peace of mind that our expert team are always acting with their best interests in mind." – Olivier Santamaria, Head of Mercer Aspire

Talk to us about Mercer Aspire today


We’re here to help. Complete the “Connect with us” form today and we will be in touch with you to discuss how Mercer Aspire can help you deliver the best solution for your members.


Irish Pensions Award 2021 Raw

A solution built around your specific members’ needs


The objective of Mercer Aspire is to support sponsoring employers and trustees in delivering better DC outcomes for their members.


  • Tools and research



    Mercer Aspire offers a tailor-made default with automatic de-risking, designed to meet members’ evolving needs. Inbuilt risk management with extensive diversification means that Mercer Aspire continuously evolves to reflect new ideas, opportunities and changing market conditions. Mercer Aspire reflects our best thinking, leveraging our extensive investment research capabilities.


    Get our investment snapshot to find out more about the Mercer Aspire investment framework.


  • Advice



    When it comes to communications, our focus is on driving members to take actions that can improve their retirement outcomes. Mercer Aspire offers a multichannel communications programme. It helps individuals identify the choices that will have the biggest influence on their retirement, making it as simple as possible to act on those decisions.


    The programme combines digital experience and multi-media content with face-to-face support in the form of group presentations and individual advice. We are constantly evolving and expanding our communications programme to reflect Mercer’s best thinking and international experience.


    Get our communications snapshot to find out more about the Mercer Aspire communications approach.


  • Solutions

    Governance and administration


    With ever-increasing pension regulation, you can be confident that Mercer Aspire is the right solution to help you manage all your governance needs and concerns. Our administration framework is supported by member services, allowing members to access their details online via OneView while addressing specific queries to our JustAsk member helpline.


    Get our governance snapshot to find out more about the Mercer Aspire governance approach.


"We understand that now, more than ever, people need to save for their retirement in smarter ways." – Caitriona MacGuinness, DC Leader, Mercer Ireland

Reducing the burden of trusteeship


The job of being a DC scheme trustee is becoming more complex and time-consuming. New EU legislation, in the form of IORP II, presents challenges for trustees and plan sponsors alike. This is in addition to the Irish Pension Authority’s previously published investment guidelines, codes of governance and regulatory checklist.


Most employers continue to choose the benefits of the trust-based approach to DC provision, but many would prefer not to have to manage the burden of trusteeship themselves.


The Mercer Aspire Master Trust offers plan sponsors the advantage of a strong governance capability but with generally lower operating costs and greater simplicity than a single-employer scheme, which requires its own trust deed and trustees.


Find out more about the Mercer Master Trust and how we can help you fulfil your trustee obligation.




1 As at June 2020

2 As at September 2021


Please see important notices for regulatory information.

We’re here to help

We’d be happy to set up a free consultation or send you more information to get you started. Simply fill out the form below and we will be in touch. If you are an existing Mercer plan member and have a question about your pension or shares, please contact the JustAsk team via this link.


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