MySuper is a simple default investment option. It is intended by the government to make comparing super products easier based on key differences like cost and investment performance. MySuper authorised means it meets the specific standards set under legislation, including fee structures and generally a basic level of insurance coverage.
So if you don’t select an investment option, your contributions will be paid into a MySuper investment option.
How MySuper works for you
- AMP's MySuper investment option gives you an investment solution that takes you through your working life, continuously evolving to align with the changing stages of your life.
- Your super savings are actively managed for you in a way that is appropriate for your age and time to retirement. This means that younger investors will be invested into higher-growth investment strategies because they can afford to take more risk. For those approaching retirement, investments will focus more on preserving the capital you've have built up, reducing risk and changing the focus towards assets that preserve your savings.
Use our interactive tool to see how funds are allocated in the lifecycle investment option.
Select a decade of birth to understand how super savings are managed according to that age group:
Investment Allocation
AMP MySuper investment option: AMP MySuper 1990s
Goodbye school and hello journey into adulthood.
Your focus: You may be studying, working, travelling, living at home or with friends, saving for a holiday, car, house or have a mortgage.
MySuper strategy: We manage and change your investments over your lifetime to reflect the priorities of someone born in the 1990s. At this stage, we manage your money in a way that's focused on growth so your super is invested in growth assets such as shares and property.
1980s
Investment Allocation
AMP MySuper investment option: AMP MySuper 1980s
You may be thinking about how to better organise your money so you have more financial freedom.
Your focus: You may be considering your first home, a new home, renovating, higher education, getting married, taking a holiday, having children or saving for their education.
MySuper strategy: We manage and change your investments over your lifetime to reflect the priorities of someone born in the 1980s. At this stage, we manage your money in a way that's focused on maximising your growth potential so your super is invested in growth assets such as shares and property.
1970s
Investment Allocation
AMP MySuper investment option: AMP MySuper 1970s
You may be focused on building assets for yourself or a family.
Your focus: You may be purchasing a house or investment property, renovating, supporting a family, paying for kids' education or enjoying a family vacation. Retirement is still not a priority but it's beginning to become a consideration. It's never too early to make sure your retirement savings are on track.
MySuper strategy: We manage and change your investment over your lifetime to reflect the priorities of someone born in the 1970s. At this stage, we manage your money in a way that's focused on maximising your growth potential so your super is invested in assets such as shares and property. We have slightly increased the 'defensive assets' such as fixed interest and cash holdings to help preserve the savings you've accumulated so far.
1960s
Investment Allocation
AMP MySuper investment option: AMP MySuper 1960s
By now, you've probably got on top of a lot of life's responsibilities.
Your focus: Your children may have their own lives and you're now considering overseas holidays, watching your grandchildren grow and keeping an eye on your investments. Retirement may be on the horizon so it's a good time to make sure your super savings are on track
MySuper strategy: We manage and change your investment over your lifetime to reflect the priorities of someone born in the 1960s. At this stage, we have reduced the proportion of shares held and have increased your holdings of cash and fixed interest. This ensures an active move away from growth to more defensive assets in order to help preserve the savings you've accumulated during your working life.
1950s
Investment Allocation
AMP MySuper investment option: AMP MySuper 1950s
It's now time to relax and enjoy life beyond work.
Your focus: If you're not already enjoying retirement, you're planning to. This may be time to downsize or maybe you want to help your children or grandchildren.
MySuper strategy: We manage and change your investment over your lifetime to reflect the priorities of someone born in the 1950s. At this stage, we manage your money in a way that's focused more on defensive assets than growth to ensure your current savings are not put at undue risk and volatile market conditions. The proportion invested in shares have decreased while cash and fixed interest have increased more substantially.
Prior to 1950s
Investment Allocation
AMP MySuper investment option: AMP MySuper Capital Stable
Welcome to retirement! You may be enjoying life after work or are in the process of transitioning from work.
Your focus: Now is the time to reap the benefits of your superannuation savings. It is important to preserve your capital but also be able to enjoy the result of your long-term earnings.
MySuper strategy: Your investment options change over your lifetime to reflect the priorities of an average investor born before the 1950s. At this stage, this investment option now focuses mainly on providing income-generating assets and ensuring stability of your investment so a greater proportion of your assets will be invested in cash and fixed interest.
Important Information
SignatureSuper is issued by N.M. Superannuation Proprietary Limited (N.M. Super) ABN 31 008 428 322 (trustee), which is part of the AMP group (AMP).
The super coach session is a super health check and is provided by AWM Services. It is general advice conversation only. It does not consider your personal circumstances.
Before deciding what’s right for you, it’s important to consider your particular circumstances and read the relevant Product Disclosure Statement, Target Market Determination, or Terms and Conditions available from AMP at amp.com.au or by calling 131 267.
Any advice and information provided is general in nature, hasn’t taken your circumstances into account, and is provided by AWM Services Pty Ltd ABN 15 139 353 496 (AWM Services), which is part of the AMP group (AMP). Read our Financial Services Guide for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.