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
Pearler Super is a digital accumulation account for members who want to choose ETFs and other approved ASX securities.
The PDS allows a zero initial investment, but an operating cash balance is required once the account is funded.
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 | Pearler Super |
|---|---|---|
| Membership and access | The current Acclaim disclosure library explicitly labels AMG Personal Super and Pension as closed to new members. Sources1234 | The PDS allows a zero initial investment, but an operating cash balance is required once the account is funded. Sources123 |
| Accounts and products | Legacy AMG Personal Super and Pension. Sources1234 | Pearler Personal Super accumulation. Sources123 |
| 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 | Members can choose from a menu of ETFs and other ASX-listed securities through the Pearler apps. Sources123 |
| Insurance | Occupation-rating and insurance application documents remain in the disclosure library. Existing cover depends on the member's product and policy terms. Sources1234 | There is no integrated insurance. Moving an entire balance from another fund can end the cover held there. Sources123 |
| Retirement income | Pension documents remain available for existing members. A legacy pension's rules should be checked before changing accounts. Sources1234 | The current PDS does not offer a pension account. Sources123 |
| 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 | The app offers investment tools. Any advice arrangement should be assessed separately from access to those tools. Sources123 |
| 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 | Administration fees apply to the first $500,000, with eligible family-group caps. Add underlying investment costs, transactions and the effect of the cash account. Sources123 |
| 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 | Performance depends on the actual securities and cash held. There is no single Pearler portfolio return that applies to everyone. Sources123 |
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
May suit a member who can construct and maintain a diversified listed portfolio and has separately considered insurance.
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 Pearler 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.