Retail fund
AMP Super
AMP Super combines SignatureSuper's age-based MySuper options with investment choice, digital advice and retirement products. Its Lifetime Boost feature needs more explanation than a simple benefits tick.
THE OVERVIEW
About AMP Super
AMP Super refers to SignatureSuper, issued by N.M. Superannuation Proprietary Limited within AMP Super Fund. AMP's North platform is a different product family and should have a separate comparison.
Sources3
Who can join
Check the SignatureSuper PDS and any employer plan's terms. Restricted employer MySuper arrangements should not be treated as the same product as the standard SignatureSuper MySuper offer.
THE SUPERGURU VIEW
Our take
AMP has a more involved retirement proposition than a simple accumulation account. That may interest someone planning how super and the Age Pension could work together, but the value rests on the conditions and the eventual retirement product. The Lifetime label needs careful reading before it becomes a reason to choose the fund.
Who might put it on their shortlist
- People who want an age-based super strategy and access to digital advice.
- Members examining their employer's SignatureSuper terms.
- People willing to investigate a lifetime-income product as part of retirement planning.
What deserves a closer look
- Activating Lifetime Boost permanently changes the account from MySuper to Choice. AMP notes that MySuper has additional legal protections, even though activation itself does not change current fees, insurance or investments.
- Lifetime Boost's benefit is only realised if the member takes the relevant AMP Lifetime Retirement Income product.
- Eligibility excludes certain ages and account circumstances, including defined-benefit and TTR arrangements.
- Compare the lifetime-income product's access, payment and beneficiary rules with an ordinary allocated pension.
Sources5
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE NUMBERS
Fees and investment returns
Use the product, investment option and employer plan on your statement. Lifecycle members need to choose the relevant stage. APRA's investment pathways may include closed options held by existing members.
Choose an investment option to see the figures
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.
A CLOSER LOOK
Inside AMP Super
Accounts and products
SignatureSuper in AMP Super Fund. MyNorth is a separate platform and legal super fund.
SignatureSuper
AMP MySuper Lifestages
AMP Flexible Retirement Income
AMP Lifetime Retirement Income
Sources6
Investment choices
AMP MySuper Lifestages
AMP's MySuper strategy allocates members by date of birth and gradually changes the growth and defensive mix. SignatureSuper also offers investment choice, including index-style, multi-manager and single-manager approaches, subject to the current menu.
Insurance
Use the insurance guide for your SignatureSuper membership or employer plan. Insurance fees depend on the cover held; the presence of an AMP account does not establish the level of cover or that an application would be accepted.
Sources3
Retirement income
AMP offers a flexible allocated-pension product and a separate Lifetime Retirement Income product. Lifetime Boost in accumulation only produces its intended retirement benefit if the member later takes the AMP lifetime-income product. It is not an immediate cash bonus paid into the account.
Advice and support
Eligible AMP Super members can access Digital Financial Advice through My AMP at no extra fee. It has an eligibility and service scope; more complex planning should be compared separately from the digital service.
Sources4
Fee details to check
Identify the product, selected option and employer arrangement before comparing charges. Costs can include administration, investment and transaction costs, insurance and personal advice. North's menu-based fees should not be substituted for SignatureSuper's charges.
Sources3
Comparing investment performance
MySuper Lifestage returns belong to birth cohorts and their changing investment mix. Compare the same cohort or age and common end date. An option's short-term return is not evidence that every SignatureSuper member received the same result.
Keep AMP Super and MyNorth separate.
Explain the MySuper-to-Choice change and conditional nature of Lifetime Boost before presenting it as a benefit.
Sources1
THE LEGAL FUND
Fund size in APRA's annual reporting
AMP Super Fund
At 30 June 2025. These are legal-fund totals, which can include several products and more than one account per person.
APRA annual fund-level statistics, June 2025. These older totals can differ substantially after mergers. Size is not a measure of suitability or investment quality.
Sources for AMP Super
Checked 2026-09-11. Documents and product terms can change after this date.