AMP Super: Features and investment options

AMP Super offers a large range of investment options open to new and existing members.

AMP Super performance and fees

When joining the fund you'll be placed in the AMP MySuper Lifestage option for your age group. You can switch to another investment option at any time.

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Finder Score Last 1 year performance (p.a.) Last 3 year performance (p.a.) Last 5 year performance (p.a.) Last 10 year performance (p.a.) Fees on $50k balance (p.a.)
Finder Score
Last 1 year performance (p.a.)
+10.76%
Last 3 year performance (p.a.)
+14.84%
Last 5 year performance (p.a.)
+12.67%
Last 10 year performance (p.a.)
+10.08%
Fees on $50k balance (p.a.)
$285
This is a high risk investment option that invests almost entirely in Australian shares, and aims for higher returns over the long term.
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Finder Score
Finder Score
Last 1 year performance (p.a.)
+21.08%
Last 3 year performance (p.a.)
+21.16%
Last 5 year performance (p.a.)
+14.63%
Last 10 year performance (p.a.)
+12.13%
Fees on $50k balance (p.a.)
$545
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Finder Score
Finder Score
Last 1 year performance (p.a.)
+13.27%
Last 3 year performance (p.a.)
+13.4%
Last 5 year performance (p.a.)
+10.35%
Last 10 year performance (p.a.)
+8.38%
Fees on $50k balance (p.a.)
$465
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Finder Score
Finder Score
Last 1 year performance (p.a.)
+12.84%
Last 3 year performance (p.a.)
+13.24%
Last 5 year performance (p.a.)
+10.37%
Last 10 year performance (p.a.)
+8.33%
Fees on $50k balance (p.a.)
$575
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Finder Score
Finder Score
Last 1 year performance (p.a.)
+9.61%
Last 3 year performance (p.a.)
+9.54%
Last 5 year performance (p.a.)
+5.94%
Last 10 year performance (p.a.)
+5.04%
Fees on $50k balance (p.a.)
$390
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Finder Score
Finder Score
Last 1 year performance (p.a.)
+9.67%
Last 3 year performance (p.a.)
+9.41%
Last 5 year performance (p.a.)
+5.89%
Last 10 year performance (p.a.)
+5.19%
Fees on $50k balance (p.a.)
$390
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Finder Score
Finder Score
Last 1 year performance (p.a.)
+14.19%
Last 3 year performance (p.a.)
+15.29%
Last 5 year performance (p.a.)
+11.64%
Last 10 year performance (p.a.)
+9.22%
Fees on $50k balance (p.a.)
$570
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Finder Score
Finder Score
Last 1 year performance (p.a.)
+11.51%
Last 3 year performance (p.a.)
+10.95%
Last 5 year performance (p.a.)
+7.69%
Last 10 year performance (p.a.)
+6.55%
Fees on $50k balance (p.a.)
$445
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Finder Score
Finder Score
Last 1 year performance (p.a.)
+10.98%
Last 3 year performance (p.a.)
+11.1%
Last 5 year performance (p.a.)
+8.42%
Last 10 year performance (p.a.)
+7.12%
Fees on $50k balance (p.a.)
$550
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Finder Score
Finder Score
Last 1 year performance (p.a.)
+13.34%
Last 3 year performance (p.a.)
+13.63%
Last 5 year performance (p.a.)
+10.78%
Last 10 year performance (p.a.)
+8.68%
Fees on $50k balance (p.a.)
$460
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Finder Score
Finder Score
Last 1 year performance (p.a.)
+13.2%
Last 3 year performance (p.a.)
+13.65%
Last 5 year performance (p.a.)
+10.65%
Last 10 year performance (p.a.)
+8.49%
Fees on $50k balance (p.a.)
$460
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Finder Score
Finder Score
Last 1 year performance (p.a.)
+2.96%
Last 3 year performance (p.a.)
+3.8%
Last 5 year performance (p.a.)
+0.03%
Last 10 year performance (p.a.)
+1.8%
Fees on $50k balance (p.a.)
$425
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Showing 12 of 12 results

Finder Score for super funds

Finder Score makes comparing superannuation products easier by scoring products out of 10 after assessing their performance, fees and features.

We assess products from over 40 providers based on their risk profile.

Read the full methodology

The information in this table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, Australian Financial Services Licence No. 421445. In limited instances, where data is not available from SuperRatings for a product, the data is provided directly by the superannuation fund.

*Past performance data and fee data is for the period ending September 2025

What do Australians think of AMP Superannuation super fund?

  • 3.79/5 overall for Customer Satisfaction - lower than the average of 4.06
  • 4.29/5 for Trust - lower than the average of 4.45
  • 3.87/5 for Customer Service - lower than the average of 4.07

Based on AMP Superannuation super fund scores in Finder's 2024 & 2025 Customer Satisfaction Awards.

Key features of AMP Super

  • Default insurance options. Eligible members will get default insurance cover when joining the fund with no medical exams.
  • MySuper product. The AMP MySuper Lifestage investment option is the default investment option for all members when joining the fund, unless you choose otherwise. It invests your super in line with your age.
  • Pre-mixed investment options. Members can choose between a range of different pre-mixed investment options that each have a different risk level and asset allocation.

AMP Super pre-mixed investment options

Members can choose between different diversified investment options depending on the level of risk you want to take on. If you don't make an investment choice, you'll be placed in the MySuper Lifestage option, which is the default MySuper investment product designed to suit most members.

Investment optionRisk level
Conservative

The Conservative options have the lowest level of investment risk and invest largely in fixed interest and cash. They're designed for members looking to protect their balance, with some growth over the medium term.

You can choose between:

  • Conservative Index
  • Future Directions Conservative
Low to Medium
Moderately Conservative

These options have a more even balance between growth and defensive assets compared to the Conservative option. It's designed for members who aren't comfortable taking on too much risk and who wish to avoid market fluctuations in the short term, while still gaining some level of capital growth.

  • Moderately Conservative Index
  • Future Directions Moderately Conservative
Medium
Balanced

These options have more allocation to growth assets, with about two thirds of your balance invested in growth assets. These options sit in the middle, and are designed to suit most members. There's an ethical option in this group, too.

  • Balanced Index
  • Future Directions Balanced
  • Pendal Sustainable Balanced
High
AMP MySuper Lifestages investment option

This is the default investment option, and it's where you'll be invested if you don't make an investment preference. It includes a variety of different managed options depending on your age. You'll be invested in more growth assets when you're young and this will gradually decrease as you get closer to retirement.

  • AMP MySuper 1990s
  • AMP MySuper 1980s
  • AMP MySuper 1970s
  • AMP MySuper 1960s
  • AMO MySuper Capital Stable
Medium to High
Moderately Aggressive

These options provide more allocation to growth assets than the previous options, and may suit members looking for more exposure to shares. It's designed for members with a longer investment timeframe of at least 10 years, or members with a higher risk tolerance.

  • Future Directions Growth
  • Growth Index
High
Aggressive

The Aggressive option invests almost entirely in growth assets, with a much larger allocation to shares. It's the most high-risk investment option available, and aims to achieve higher returns over the long term. It's designed for members seeking higher long-term growth.

  • Future Directions High Growth
  • High Growth Index
High

Sector investment options

If you want more control over super, you can put together your own investment mix using one or more of the following individual sector options.

  • Australian Shares
  • Global Shares
  • Property and Infrastructure
  • Australian Fixed Interest
  • Global Fixed Interest
  • Diversified Fixed Interest
  • Cash and Term Deposits

AMP Super default insurance cover

Eligible members will receive the following default insurance cover when joining:

  • Death: This cover provides a lump sum payment to your nominated beneficiaries in the event of your death.
  • Total and Permanent Disablement (TPD): This cover provides a lump sum payment to you in the event that you become permanently disabled.
  • Income Protection: This cover is paid out in the even you can't work and lose your income.

You'll get a default, basic level of cover for the above insurances, however you can apply to increase your level of cover at any time if you think it's the right choice for you. You can also opt out of all insurance cover all together.

How to join AMP Super

You can join online by completing the application form on AMP's website. The application form should take you around 10-20 minutes to complete, and you'll need to provide the following bits of information:

  • Your full name, date of birth and contact information
  • Your Australian residential address
  • Your phone number and email address
  • Your tax file number (TFN)
  • Your chosen investment option (if you want to invest in something other than the Balanced option) and insurance cover
  • Details of your existing super fund if you'd like to consolidate your super

Once your application has been completed successfully, you'll receive your membership details by email. You can then give these to your employer so they can start paying your superannuation guarantee payments into your new fund.

Sources

Alison Banney's headshot
Written by

Editorial Manager, Money

Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

Alison's expertise
Alison has written 660 Finder guides across topics including:
  • Superannuation
  • Savings accounts, bank accounts and term deposits
  • Budgeting and money-saving hacks
  • Managing the cost of living

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2 Responses

    Default Gravatar
    SimonMarch 8, 2023

    hi, i am with Resolution Life, i believe they were AMP!! Can you advise please
    Thanks

      Sarah Megginson's headshotFinder
      SarahMarch 9, 2023Finder

      Hi Simon,

      Resolution Life Australasia was established following the acquisition of AMP Life in 2020, and is now one of the largest life insurers in Australasia servicing ~1.1 million customers and managing A$30bn of assets.

      Thanks for reaching out!

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