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.
Industry fund
BUSSQ focuses on the building and construction industries. Its insurance is designed to accommodate high-risk jobs, including eligible casuals and contractors.
The fund also provides cover for white-collar workers. Check the product's joining rules and the insurance eligibility rules for the job you actually do.
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 | MySuper |
|---|---|---|
| Return basis | Choose an option | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | Choose an option | 7.41% |
| 5-year return, per year | Choose an option | 5.02% |
| 7-year return, per year | Choose an option | 6.24% |
| 10-year return, per year | Choose an option | 6.66% |
| APRA strategic growth allocation | Choose an option | 69.77% |
| Reported total fees, net of tax, at $50,000 | Choose an option | $470 a year (0.94%) |
| Administration and advice costs, net of tax (included in total) | Choose an option | $95 a year |
| 2026 performance test | Choose an option | Fail |
| 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 | BUSSQ |
|---|---|---|
| Membership and access | The current Acclaim disclosure library explicitly labels AMG Personal Super and Pension as closed to new members. Sources1234 | The fund also provides cover for white-collar workers. Check the product's joining rules and the insurance eligibility rules for the job you actually do. Sources1234 |
| Accounts and products | Legacy AMG Personal Super and Pension. Sources1234 | BUSSQ Super and Income accounts, with existing term allocated pensions. 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 | The fund offers a diversified Balanced Growth portfolio and other investment choices under its Foundation + Flex approach. The menu changed in 2026, including a new Bonds option. 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 | Death, TPD and income protection cover are available. BUSSQ says casuals and contractors can access its insurance options when they meet minimum-hours conditions. Sources1234 |
| Retirement income | Pension documents remain available for existing members. A legacy pension's rules should be checked before changing accounts. Sources1234 | Income accounts and transition-to-retirement arrangements have separate investment and fee information. Existing term allocated pensions should be compared under their own rules. 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 | Personal advice about BUSSQ insurance, investment choice, contributions and retirement is included in administration fees. The scope is limited to BUSSQ products. Sources1234 |
| 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 | The current page lists a balance-based administration fee, capped annually, plus investment and transaction costs that depend on the option. Include any insurance charge separately. Sources1234 |
| 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 | BUSSQ's published long-run headline uses Balanced Growth and includes specified administration deductions. Match those deductions before comparing it with another fund's investment-only return. 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
A relevant fund to examine for construction workers who need to check whether another insurer excludes or limits their occupation.
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 BUSSQ 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.