MyNorth

Helping you confidently reach your financial goals

MyNorth helps you confidently...

Reach your goals with your financial adviser

Save for life’s big moments, like buying a house

Grow your super to help you retire right

Diversify with a wide range of term deposits, managed funds, managed portfolios and shares

Make the most of your retirement

Keep track of your investments online, 24/7 with North Online

Access capital guarantees to help protect your investments1

Control what you invest in, while we take care of the paperwork

1 MyNorthguaranteesarebackedbyNationalMutualFundsManagementLimited.Seepage8formoredetails.

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MyNorth® – an investment solution designed for all life stages

One home for your super, retirement and investment needs

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Competitive and flexible pricing for you and your family2

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24/7 secure and easy online access

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Comprehensive and consolidated reporting

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Insurance and guarantee options for peace of mind3

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Choice from over 440 managed funds, managed portfolios, shares and cash options

® RegisteredtrademarkofNMMTLimitedABN42058835573

2 Whencomparedtootherplatformson28February2019byChantWestintheirSuperPlatformFeeComparison.

3 Seepages8and9formoreinformation.

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MyNorth Super helps you grow your super to help you retire right

MyNorthcanhelpyougrowyoursavingsthrougharangeofinvestmentoptions,andwhenyou’rereadytoretire,youcaneasilytransferyoursupertoaMyNorthPensionaccount.

MyNorth Pension helps you live the lifestyle you want in retirement

MyNorthPensionhelpsyourmoneygothedistanceinretirementbyturningyourhard-earnedsupersavingsintoaregularincomestream.What’smore,withtaxoffsetsandtax-freeearningsandwithdrawals,it’sataxeffectivewaytospendyoursuper.4

MyNorth Investment helps you save for life’s big moments

MyNorthInvestmentofferssolutionsforyoursavings,trust,companyandself-managedsuperfundneeds.Withahugerangeofinvestmentstochoosefrom,includingAustralianshares,youcanputtogethertheportfoliotohelpyourealiseyourgoals.

Choose one of Australia’s largest super providers5

4 A$1.6millionsuperannuationtransferbalancecapwilllimitthetotalamountofaccumulatedsuperannuationbenefitsthatanindividualwillbeabletotransferintothetax-freeretirementincomephase.

5 Secondlargestmarketsharebyassetsundermanagementataggregatelevelforretailsuperandcorporatesuperandindustryfunds.StrategicInsight,MarketerView–Retailmanagedfunds,December2018.

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When it comes to investing, everyone’s different

That’swhyMyNorthoffers:

– Choicefromover440managedfunds,managedportfolios,listedsecurities,andcashoptions.

– Flexibilitytobuildyourpersonalisedinvestmentportfoliotosuityourlifestage.

Shares, ETFs, ETCs, LICs, LITs, AREITs

Diversified managed portfolios

Diversified, goals-based, sin

gle-s

ecto

r,

Cash account, CMTs and bondsGuardian and Advanta

ge fund

s

AM

P, A

dela

ide

Bank

, Wes

tpac

, ANZ

Term deposits

Australianlisted equities

Managedportfolios

Cash and fixed income

Managedfunds

Investment choice

Three investment menus to choose from

Core Select Choice

Low-costsolutionslikeMyNorthRetirementFund,MyNorthDynamicBalancedFund,andtheMyNorthIndexinvestmentoptions.

Arangeofdiversified,goals-basedandsingle-sectorinvestmentoptionstosuitmostofyourneeds.Thismenualsoincludescashoptionsliketermdeposits.

Moremanagedfunds(includingtheAdvantageFundsrange),managedportfoliosandlistedsecurities.

MyNorth makes investing easy

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You should only pay for what you choose

Thethreeinvestmentmenusallowyoutotailoryourportfolioandonlypayforwhatyouchoosetoinvestin.

Total portfolio value ($)

Investment menu

Core (% pa) Select (% pa) Choice (% pa)Super & Pension

Choice (% pa)Investment

0–149,999

0.000.20

0.62 0.56

150,000–249,999 0.40 0.40

250,000–399,999 0.40 0.32

400,000–749,999 0.32 0.27

750,000+ 0.17 0.27 0.22

Lower fee rates apply for higher portfolio balances

ThefeethatappliestoyouwillbebasedonthetotalportfoliovalueacrossallyourMyNorthandNorthaccounts.Lowerfeerateswillapplyforhigherportfoliobalances,andyoucaneventeamupwithfamilymembersandwe’llcombineallyouraccountbalancestoworkoutyourfees.

Capped administration fees

Tohelpkeepalidonadministrationfees,you’llpaynomorethan$2,800peryearforyourMyNorthSuper,PensionandInvestment7accounts.Plusifyouteamupwithfamilymembers,youandyourfamilywillpaynomorethan$3,800peryearforyourMyNorthaccounts.

Talk to your financial adviser for full details of the fees and options or look at the product disclosure documents available at northonline.com.au/mynorth.

Competitive and flexible fees6

6 Whencomparedtootherplatformson28February2019byChantWestintheirSuperPlatformFeeComparison.

7 Theinvestmentaccountmustbeinyourpersonalname.Ifyouraccountbalanceforaproductofferedbythesuperannuationentityislessthan$6,000at30Juneeachyear,oratthetimeyouexityouraccount,thetotalcombinedamountofadministrationfees,investmentfeesandindirectcostschargedtoyouiscappedat3%(afterthebenefitofanytaxdeductionpassedontoyou)oftheaccountbalance.Anyamountchargedinexcessofthatcapwillberefunded.

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Guarantee your tomorrow

AccesscapitalguaranteesthatarebackedbyNationalMutualFundsManagementLimited.

Investment guarantee Growth guarantee

Protectsyourinvestments(andallcontributions)duringmarketlowsandlocks-inanymarketgainseverytwoyears.

Protectsyourinvestments(andallcontributions)duringmarketlowsandlocks-inanymarketgainsannually.

How does it work?

ThisexampleillustratesthemainfeaturesofMyNorth Protected Growth Guarantee.

Protected balance Account value

Year 2 Year 6 Year 8 Year 10Year 1 Year 4 Year 5 Year 7 Year 9Year 3

Locked-in growth

$160,000

$240,000

$280,000

$320,000

$360,000

$200,000

Available balance

Initialcontributionprotected balance

Account valuefluctuateswith

investmentperformance

Locked-inprotected balance annually

Available balanceistheamountclientscanaccessiftheymakeafull

withdrawalbeforethetermends

Investor receives the full protected balance

Thisexampleisillustrativeonlyandisnotanestimateoftheinvestmentreturnsyouwillreceiveorfeesandcostsyouwillincur.Itisbasedonthefollowingassumptions:(a)AMPMyNorthProtectedGrowthGuarantee,10-yearterminvestedinaManagedVolatilityGrowthFund(b)includingGuaranteefeeandinvestmentmanagementfee.Itdoesnotincludeadministrationfeeoradvicefee.The‘accountvalue’curveishypotheticalbutbroadlybasedonabalancedinvestmentcirca1998to2008reflectingmarketeventssuchastheAustraliancommoditiesboomandtheglobalfinancialcrisis.Pastperformanceisnotareliableindicatoroffutureperformance.

Enjoy the highs and be protected from the lows

For more information on refer to the MyNorth Guarantee product disclosure documents available on northonline.com.au/guarantees

Award-winning AMP Elevate insurance8

Protect who you love

YoucanaccessAMPElevateinsurancethroughMyNorthtoprotectyourassetsandmakesureyourlovedonesareassistedfinanciallyifanythinghappenstoyou.

Life insurance Trauma insurance

Helpsprotectyourfamilyagainstfinancialhardshipifyoupassawayorbecometerminallyill.

Helpspayforunforeseenexpensesshouldyousufferfromthetraumaofthingslikeheartattack,cancerandstroke(availableforinvestmentaccountsonly).

Total and permanent disability insurance Income insurance

Helpsyoucopefinanciallyandmaintainyourqualityoflifeifyoubecometotallyandpermanentlydisabled.

Helpsprovidearegularincometocoverday-to-daylivingexpenseswhileyouaretoosickorinjuredtoreturntowork.

Save through MyNorth Super

PayinginsurancepremiumsthroughaMyNorthSuperaccountcanhelpyousaveontaxandholdontomoretakehomepay.9

Most Satisfied Customer

PolicyholderChoiceAwards

FINALIST 2017

PolicyholderChoiceAwards

FINALIST 2017

PolicyholderChoiceAwards

FINALIST 2017

PolicyholderChoiceAwards

WINNER 2017

PolicyholderChoiceAwards

WINNER 2017

PolicyholderChoiceAwards

WINNER 2017

Most Satisfied Customer

Value for Money Value for Money

Best

New Customer Service Best

New Customer Service

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8 WinnerofCoreDataSMSFServiceProviderAwardsintheInsurance–SMSFMemberCategory,2018.Winner,‘ValueforMoney’2017,Policyholdercategory,AFAConsumerChoiceAward.Winner,‘Innovationinretaillifeinsurance’forAdvisermentalhealthtraining,FSCLifeinsuranceawards2018.Winner,2018,ANZIIFInsuranceLearningProgramoftheYearawardformentalhealthtraining.

9 Holdinginsurancethroughsupermayerodeyouroverallretirementassets.Theremayalsobetaxpayableonclaimsmadeonpoliciesheldthroughsuper.

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NorthOnlineiseasytouseandsecure,andcanhelpyou:

– keeptrackofyourinvestment,superandretirementaccountsinoneplace

– viewyourcorrespondenceatanytimeinyouronlinefilingcabinet

– makedepositsandcontributeeasilythroughEFT,BPAY®ordirectdeposit

– producereports,likeaccountsummaries,whenyouneedthem

– seethelatestproductinformationandnews.

See how your investments are tracking 24/7 with North Online

Your financial adviser can also access North Online to enquire, transact and report on your accounts.

®RegisteredtoBPAYPtyLtdABN69079137518

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Apply nowSpeak to your financial adviser or call us on 1800 667 841.

Find out more at northonline.com.au/mynorth.

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Getting in touchphone 1800667841web northonline.com.au/mynorthemail north@amp.com.au

What you need to know

©NMMTLimitedABN42058835573,AFSL234653(NMMT).TheinformationprovidedinthisdocumenthasbeenprovidedbyNMMT.Itcontainsgeneraladviceonlyandhasnottakenanyperson’sspecificsituationintoaccount.YoushouldconsidertheMyNorthSuperandPensionproductdisclosurestatement(PDS),andtheMyNorthInvestmentinvestordirectedportfolioservicesguide(IDPS)andyourcircumstancesbeforedecidingwhat’srightforyou.OurFinancialServicesGuidehasmoreinformation,includingthefeesandbenefitsthatAMPcompaniesandrepresentativesmayreceiveifyouuseanAMPproductorservice,calculatedasadollaramountand/orapercentageofthepriceorvalueofyourproductsandservices.Contactuson1800667841foracopy.MyNorthisaregisteredtrademarktoNMMT.TheissuerofMyNorthSuperandPensionisN.M.SuperannuationPtyLimitedABN31008428322,AFSL234654(NMSuper)andthefundisWealthPersonalSuperannuationandPensionFund.TheissuerofMyNorthInvestmentIDPSandMyNorthManagedPortfoliosisNMMT.TheissueroftheMyNorthInvestmentGuaranteeisNationalMutualFundsManagementLimitedABN32006787720,AFSL234652(NMFM).TheissuerofAMPElevateinsuranceisAMPLifeLimited(AMPLife)andNMSuper.NMMT,NMSuper,NMFMandAMPLifearepartoftheAMPgroupandcanbecontactedon131267.

ChallengerGuaranteedLiquidLifetime,ChallengerGuaranteedandChallengerCarePlusannuitiesareissuedbyChallengerLifeCompanyLimitedABN44072486938AFSL234670.BeforemakingadecisionaboutChallengerannuitiesyoushouldconsidertheproductdisclosurestatementsavailablefromChallengeratchallenger.com.au.AMPServicesLimitedprovidesadministrationservicestoChallengerinrespectoftheseannuityproductsonlyandisnotissuing,selling,guaranteeing,providingcustodyservicesoranyotherfunctioninrelationtotheannuities.

Did you know?If you are considering an annuity as part of your retirement investment, you can purchase Challenger Guaranteed Annuity (Liquid Lifetime), Challenger Guaranteed Annuity and Challenger CarePlus via AMP.

You can see your MyNorth account and your Challenger annuities together on My AMP, which gives you a complete view of your retirement savings.