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.
Retail fund brand
Child Care Super keeps its brand through the September 2026 move into Smart Future Trust. The transfer changes investments and fees while preserving existing insurance cover and policy terms.
Check the current joining rules and transfer documents. Existing members remain Child Care Super members after the move.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
The costs and returns belong to the selected product, option or lifecycle stage.
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 | Child Care Super |
|---|---|---|
| Membership and access | The current Acclaim disclosure library explicitly labels AMG Personal Super and Pension as closed to new members. Sources1234 | Check the current joining rules and transfer documents. Existing members remain Child Care Super members after the move. Sources12 |
| Accounts and products | Legacy AMG Personal Super and Pension. Sources1234 | Child Care Super accumulation and pension products. Sources12 |
| 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 new menu maps existing holdings to comparable investment options. Members should check the new option's allocation and risk description rather than relying on its predecessor's name. Sources12 |
| Insurance | Occupation-rating and insurance application documents remain in the disclosure library. Existing cover depends on the member's product and policy terms. Sources1234 | Existing cover and policy terms stay the same under the notice. The insurance administration fee rises, increasing the total insurance cost. Sources12 |
| Retirement income | Pension documents remain available for existing members. A legacy pension's rules should be checked before changing accounts. Sources1234 | Pension payments continue under the transition arrangements. Some September payments are brought forward and some member-initiated transactions are temporarily unavailable. Sources12 |
| 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 | Use the current member support and disclosure documents to confirm advice availability, scope and charges. Sources12 |
| 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 notice expects lower overall fees for most members, but the effect depends on balance and option. New contributions use Smart Future Trust ABN 68 964 712 340 and USI 68964712340022 from 5 September 2026. Sources12 |
| 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 | Compare the post-transfer investment strategy with a genuinely similar alternative. Historical returns require an explanation of the predecessor option. Sources12 |
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
Relevant to child care workers and existing members who want to understand the changes before comparing another fund.
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 Child Care 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.