Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Legacy retail fund product
AMG Personal Super and Pension is closed to new members. Existing members continue to have a separate product within the AMG Super legal fund.
The current Acclaim disclosure library explicitly labels AMG Personal Super and Pension as closed to new members.
Restricted corporate fund
ANZ Staff Super is an accumulation fund for eligible ANZ employees and the partners of existing members.
Current permanent and fixed-term ANZ employees can join, as can partners of current members. Existing members can generally stay after leaving ANZ. A former employee who never joined cannot assume they can enter later.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | Choose an investment option | ANZ Staff MySuper |
|---|---|---|
| Return basis | Choose an option | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | Choose an option | 9.43% |
| 5-year return, per year | Choose an option | 6.25% |
| 7-year return, per year | Choose an option | 6.66% |
| 10-year return, per year | Choose an option | 7.39% |
| APRA strategic growth allocation | Choose an option | 70.75% |
| Reported total fees, net of tax, at $50,000 | Choose an option | $315 a year (0.63%) |
| Administration and advice costs, net of tax (included in total) | Choose an option | $80 a year |
| 2026 performance test | Choose an option | Pass |
| New-member status at reporting date | Check the current product eligibility rules | Check the current product eligibility rules |
Source: APRA Comprehensive Product Performance Package 2026, published 28 August 2026. Fees reflect the reporting year to 30 June 2026, are net of tax, use standard arrangements and exclude member-activity fees. Dollar figures are rounded. They are not a current quote. Check the latest PDS for changes, insurance premiums and any separately charged advice.
Returns are annualised historical results. Different return bases, risk levels and periods cannot be treated as interchangeable. MySuper net returns use a $50,000 representative balance even when you change the fee balance. A lifecycle stage return does not track a person moving between stages. Missing figures mean not reported, not zero. Past returns do not predict future returns. Read our method and APRA's definitions.
| What to compare | AMG Personal Super and Pension | ANZ Staff Super |
|---|---|---|
| Membership and access | The current Acclaim disclosure library explicitly labels AMG Personal Super and Pension as closed to new members. Sources1234 | Current permanent and fixed-term ANZ employees can join, as can partners of current members. Existing members can generally stay after leaving ANZ. A former employee who never joined cannot assume they can enter later. Sources1234 |
| Accounts and products | Legacy AMG Personal Super and Pension. Sources1234 | ANZ Australian Staff Superannuation Scheme. This is separate from ANZ Smart Choice Super. Employee Section Personal Section Partner Section Retirement Section Sources1234 |
| Investment choices | The disclosed investment service includes listed securities, term deposits and cash arrangements. Existing members should check their own current menu before placing an instruction. Sources1234 | Balanced Growth (ANZ Staff MySuper) There are four options: Aggressive Growth, Balanced Growth, Cautious and Cash. Members can combine them. This is a compact investment menu for people who want a few clear choices. Sources1234 |
| Insurance | Occupation-rating and insurance application documents remain in the disclosure library. Existing cover depends on the member's product and policy terms. Sources1234 | Eligible Employee members can receive automatic death and TPD cover and apply for salary continuance. Partner members apply for cover. Cover, premiums and continuation rules vary by section; current rebates should not be assumed permanent. Sources1234 |
| Retirement income | Pension documents remain available for existing members. A legacy pension's rules should be checked before changing accounts. Sources1234 | The Retirement Section offers retirement income and transition-to-retirement accounts, subject to eligibility and minimum balance requirements. Sources1234 |
| Advice and support | An adviser can review whether the existing account still serves the member's portfolio and retirement needs; product closure alone does not establish that switching is better. Sources1234 | This detail has not been verified for this profile. Check the current product documents. |
| Fee details to check | Read AMG Personal's PDS with the July 2026 product and administrator updates. Use its own costs, not Acclaim Core's managed-option pricing. Sources1234 | This detail has not been verified for this profile. Check the current product documents. |
| Comparing investment performance | Returns depend on the investments held. Historical AMG MySuper returns should not be presented as the performance of every AMG Personal account. Sources1234 | Use ANZ Staff MySuper for the default investment comparison, then check the member section and insurance separately. Sources1234 |
THE SUPERGURU VIEW
Relevant to existing members comparing their current arrangement with available alternatives.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
The employee benefits make this worth examining before an ANZ employee switches elsewhere. Use the section you will actually hold: a comparison based on Employee pricing can give the wrong answer for a partner or former employee.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
Use the membership rules to establish which accounts are available to you. Then compare the total price of the investment option and cover you need. A lower fee or higher historical return alone does not tell you which fund is suitable.
Ask both funds to confirm insurance acceptance, exclusions, waiting periods and whether cover would change when you leave your employer. Obtain advice before giving up a defined benefit or an insurance policy you may not be able to replace. ASIC Moneysmart explains the comparison checks.
Read the full AMG Personal Super and Pension profile · Read the full ANZ Staff Super profile · Choose another comparison
Checked 2026-09-11. Documents and product terms can change after this date.
Checked 2026-09-11. Documents and product terms can change after this date.