Advice for your AMP super or pension account.

AMP announced on 2 December 2024 that it had completed the transaction announced on 8 August 2024, creating a partnership and ownership structure with Entireti Limited and AZ Next Generation Advisory Limited for the AMP Advice business. Entireti acquired AMP’s advice licensees and Jigsaw for $10.2 million with AMP retaining a 30% stake, and AZ NGA acquired AMP’s minority stakes in 16 advice practices for $82.5 million. That is from AMP’s own ASX release, checked 8 August 2026.

No. Your superannuation account and the trustee that runs it are separate from AMP’s advice licensees. AMP Super is issued by N.M. Superannuation Proprietary Limited as trustee of the AMP Super Fund. What can have changed is who the adviser you used to deal with is licensed by, and whether anyone is still in contact with you.

AMP Super — the product AMP also calls SignatureSuper — charges an administration fee made of a dollar amount plus a percentage of your balance. AMP caps that percentage administration fee at $950 a year, and only charges it on the first $500,000 of each account. A separate trustee fee comes out of the account as well, and some fund costs are paid from the fund’s assets rather than from your balance. Investment fees sit on top and change with the option you hold. Advice fees and insurance premiums are extra if they apply, and some employer plans have different arrangements. AMP also publishes a six-month holiday from the percentage administration fee when you move from an AMP Super account into a SignatureSuper Allocated Pension, and a single member fee if you have linked super and allocated pension accounts — both with conditions set out in the PDS. Your own statement is the source of truth for what you actually pay. (From amp.com.au, checked 16 August 2026.)

North is AMP’s wrap platform. Think of it as the administration desk that holds your super, pension and investments in one place so an adviser can see them together. AMP’s own North site says North is only accessible through a financial adviser. MyNorth Super and MyNorth Pension sit in the Wealth Personal Superannuation and Pension Fund, not the AMP Super Fund, even though the same trustee — N.M. Superannuation Proprietary Limited — stands behind both. North publishes three investment menus (Grow, Select and Choice), a $180 a year minimum administration fee and a $180 account fee on Select and Choice, no minimum on Grow, administration fees only on the first $1.25 million, and family fee aggregation for up to six family members. A trustee fee of up to 0.010% applies to super and pension members, capped at $300 a year per account. (From northonline.com.au, checked 16 August 2026.)

An adviser service fee is a fee paid from the AMP, North or MyNorth account to an adviser's licensee under an arrangement you consented to. It’s separate from AMP’s own administration and investment fees. After AMP completed the sale of its advice licensees on 2 December 2024, the person who used to look after the account may now be licensed somewhere else — or nobody may be in contact with you at all. North’s own fee page lists ongoing (deducted monthly, renewable yearly), ad hoc, fixed-term and initial advice fees, and says a client has to consent before those fees can be charged. Your annual statement and transaction history should show the amount, and you can ask AMP or the North Service Centre to confirm who receives it and which service agreement it relates to.

Yes. ASIC’s Moneysmart says an ongoing advice fee needs your written consent each year, and you can end the arrangement at any time by telling the fund or adviser in writing. AMP’s own platform disclosure says the same thing in its own words — each year you need to consent to a new fee arrangement with your financial adviser for a fee to keep being charged. Ending the fee doesn't move the super. The account stays where it is; the arrangement ends, the deductions stop, and the related advice services stop with them. Ask AMP or North to confirm the current adviser and the consent on file. If you can't recall agreeing, that’s worth resolving.

Log in to My AMP, or the My AMP app. AMP says you can check your balance, switch investment options, manage insurance, update details and start a withdrawal from there. Your annual statement and transaction history are where administration, investment, insurance and advice fees show up as separate lines. If the account is on North or MyNorth, AMP’s North client site says you monitor it through the North online portal or the North app — with your adviser as the primary transactor, though clients can make a range of transactions depending on the access settings enabled. The product name on the statement tells you which set of rules applies.

You can take preserved super when you meet a condition of release. AMP lists these: you retire after reaching preservation age; you stop a job at age 60 or over; you turn 65 (you don't have to retire); or you’ve reached preservation age and start a transition to retirement income stream. Preservation age is 60 if you were born from 1 July 1964; anyone born earlier has already reached it. Think of preservation age as the earliest birthday the law will let you touch the money, and a condition of release as the extra ticket you still need — retiring, leaving a job after 60, or turning 65. On a transition to retirement pension AMP says you can generally only access between 4% and 10% of the balance each financial year. Once you’ve met a full condition, AMP says there are generally no limits on a lump-sum withdrawal. You start the request in My AMP: pick the super account, follow Withdrawal, choose the reason, and have identification ready. Early access exists for severe financial hardship, compassionate grounds (through the ATO), permanent incapacity, a terminal medical condition, a departing temporary resident, the First Home Super Saver Scheme, and balances under $200 — each with its own paperwork. How you take the money can change the tax and your Age Pension. (From amp.com.au, checked 16 August 2026.)

They sit in different funds, even though the same trustee stands behind both. AMP Super refers to SignatureSuper, and those products are part of the AMP Super Fund. North and MyNorth super and pension accounts are part of the Wealth Personal Superannuation and Pension Fund. North and MyNorth are platforms — administration services reached through a financial adviser, each with its own investment menu and its own separate disclosure documents. (From amp.com.au and northonline.com.au, checked 16 August 2026.) Your statement should show the product and fund name.

AMP Limited, an Australian company listed on the Australian Securities Exchange. AMP’s own site says it has been helping customers manage their investments for more than 175 years, and describes AMP Limited as providing banking, super and retirement solutions in Australia and New Zealand (amp.com.au, checked 8 August 2026).

Your super doesn't sit with AMP Limited, though. It sits in a trust, and the trustee is N.M. Superannuation Proprietary Limited. A trustee has legal duties owed to members that a parent company doesn’t.

AMP publishes them, and which one you need depends on which fund your product sits in. AMP names two. The AMP Super Fund ABN 78 421 957 449 holds SignatureSuper, the SignatureSuper Allocated Pension and SignatureSuper Term Pension. The Wealth Personal Superannuation and Pension Fund ABN 92 381 911 598 holds the North and MyNorth super and pension accounts, along with the older PortfolioCare and WealthView eWRAP accounts. N.M. Superannuation Proprietary Limited is the trustee of both. (From amp.com.au, checked 16 August 2026.)

Each product also has its own USI, which is the code an employer or another fund will ask you for. AMP lists SignatureSuper as AMP0195AU (updated on 1 October 2021), SignatureSuper Allocated Pension as AMP1316AU, SignatureSuper Term Pension as AMP0886AU, MyNorth Super as NMS0040AU and MyNorth Pension as NMS0039AU. It’s worth getting right — incorrect details can delay a transfer or cause it to be rejected.

AMP sets out its own process: log in or register for My AMP, choose Find and consolidate super, have your identification ready for a security check, provide your tax file number, then choose which account to combine into. AMP also notes that you can use the ATO’s super search services directly (amp.com.au, checked 8 August 2026).

One caution AMP itself raises is worth repeating. If an account is transferred to the ATO you lose any insurance cover held inside it, and from that point interest is worked out using the consumer price index rather than investment earnings. Finding the account is the easy part. Deciding what to do with it once you have found it’s the part worth thinking about.

Not before you check two things, and we would say the same about any fund. First, insurance: cover inside an account generally ends when that account closes, and Moneysmart warns that if you’re over 60 or have a pre-existing medical condition you may not be able to get the cover you want again. Second, what leaving costs and what the receiving account costs.

Consolidating is often sensible and there’s nothing wrong with it. It’s simply a decision rather than a piece of admin, and once the account is closed the insurance question has been answered for you.

That is decided inside the account, not by your will. Super isn’t automatically covered by a will. Who receives it is set by your nomination and the fund’s rules: a binding nomination directs the trustee, while a non-binding one is only a guide. Lapsing binding nominations generally need renewing every three years, and some funds offer non-lapsing ones. If yours has expired, the trustee may have discretion over who gets paid.

If an income is already being paid, a reversionary arrangement may allow it to continue to an eligible spouse or partner. The alternative may be a lump-sum death benefit.

Generally not once it has started. A lifetime income product can reduce the risk of running out of income, but it can limit access to capital and has its own Centrelink treatment. Think of it as swapping a pot of money you can dip into for a payment that’s designed to last as long as you do.

The product disclosure statement sets out the payments, withdrawal rules and death benefits. MyNorth Lifetime, available on the North platform, is a separate lifetime product with its own disclosure documents.

If you’re happy with the account, there’s often no reason to move — and we’ll say so. If you’re not sure it still stacks up, Guideway specialises in industry, government and corporate super, including employer plans on SignatureSuper and platform accounts on North, and we can benchmark yours against five leading comparable funds so you know exactly where it stands.

If it holds up, you’ll know you’re fine. If it doesn’t, we can help you weigh a move and handle it properly — insurance, timing and tax included. Leaving can cancel cover inside the account and change nominations, so those sit in the comparison rather than after it.

Nothing. It’s a free half hour. Tell us what you’d like to discuss, and we’ll explain if and how we can help, including any fees, before you decide to go further.