Retail platform
North
North is an adviser-based super and pension platform. Its menu tiers and optional lifetime products make the actual account design more important than the brand-level price.
THE OVERVIEW
About North
North gives members and their advisers access to super, pension, investments and insurance. MyNorth products are only available through a financial adviser.
Who can join
A financial adviser is required for MyNorth products. Read the PDS and target market determination for the particular account, including whether it is ordinary super, a pension or a lifetime product.
THE SUPERGURU VIEW
Our take
North is a platform to assess with a specific portfolio and service proposal in front of you. Its menu and retirement features may help an adviser implement a plan, but the justification should be concrete. For a straightforward diversified holding, the comparison needs to show what the extra structure and advice cost buys.
Who might put it on their shortlist
- People working with an adviser who need a broad investment and retirement product range.
- Members examining lifetime-income arrangements and prepared to assess their access restrictions.
- Families checking whether the applicable fee aggregation changes the overall cost.
What deserves a closer look
- MyNorth requires an adviser, and advice charges are additional to investment-platform costs.
- Money held in the cash account has its own charges.
- Lifetime-income products have capital-access and beneficiary restrictions.
- North and AMP SignatureSuper sit in different product and legal-fund structures; one cannot inherit the other's fee or performance result.
Sources3
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 North
Accounts and products
MyNorth and North super and pension products in Wealth Personal Superannuation and Pension Fund; separate from AMP SignatureSuper.
MyNorth Super
MyNorth Pension
MyNorth Lifetime Super
MyNorth Lifetime Income
MyNorth Deferred Lifetime Income
North legacy products
Sources3
Investment choices
Investments selected through the product and adviser; not one platform-wide MySuper default.
MyNorth uses Grow, Select and Choice menus with different pricing. Members can hold investments across menus, with administration costs reflecting that mix. The cash account also has its own investment and administration charges, so uninvested cash is part of the cost calculation.
Sources2
Insurance
North supports insurance arrangements, including cover held inside super. The policy and underwriting are separate from the investment platform. Ask the adviser to compare the cover, premium and exclusions with the existing policy before transferring.
Retirement income
MyNorth offers ordinary pension accounts and separate Lifetime and Deferred Lifetime Income arrangements. The PDS says capital-access rules limit withdrawals and death/exit benefits for the lifetime-income accounts. Ordinary super and lifetime-income access terms must not be confused.
Advice and support
MyNorth is available through an adviser, making the advice relationship part of the proposition. Fees may include initial, ongoing, fixed-term or ad hoc advice charges. Ask what each service will deliver and what happens to the account if that relationship ends.
Fee details to check
Add account and administration fees, underlying investment costs, the cash-account charge, any trustee or lifetime fee, insurance and adviser charges. Menu mix, balance tiers and eligible family aggregation can change the total. A nil administration rate on one menu does not make all holdings or the full arrangement free.
Comparing investment performance
A platform does not have one investment return. Compare the actual portfolio after its underlying and platform costs, and disclose adviser fees separately if they are excluded. The performance of one managed fund cannot stand in for the account.
Show the exact menu mix, account type and advice fee.
Keep ordinary super and account-based pensions separate from lifetime-income comparisons.
THE LEGAL FUND
Fund size in APRA's annual reporting
Wealth Personal Superannuation and Pension 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 North
Checked 2026-09-11. Documents and product terms can change after this date.