AMP is Australia's largest retail and corporate superannuation provider, and one of the region's most significant investment managers with more than A$105 billion in assets under management (as at 31 December 2008). AMP have a network of more than 2,000 qualified financial planners.

Individual investors comprise around 49 per cent of AMP's shareholder base and live in more than 100 countries around the world. Institutional investors constitute around 51%.

AMP traces its heritage back to 1849 as a mutual company, AMP Limited listed on the Australian and New Zealand Stock Exchanges in mid-1998.

AMP's history

Since the days of bushrangers and the gold rush, AMP has been helping people manage their financial wellbeing so they can enjoy the future they want.

Beginning in 1849 as The Australian Mutual Provident Society, an organisation offering life insurance, AMP has evolved over 150-plus years to a publicly listed company.

AMP has emerged as a strong, highly adaptable company, supporting its people and becoming an integral part of the economic and social fabric of its communities.

AMP PRODUCTS

INVESTMENT

Flexible Lifetime® - Investments is an investment solution that allows you to choose from a wide range of individual managed investment schemes (investment options) and features to help build your wealth.  Your business has the opportunity for a more diversified range of investments and access to funds that may not be available to direct investors (such as some of the international property and boutique funds).  For businesses with an environmental and social conscience or charter there is also a range of ethical or sustainable investment options.

- Tailor your account to suit your needs
- Tailor your investment to suit the needs and objectives of your business
- Build your wealth and reduce your business risks by investing in a diverse range of assets both locally and internationally, which are professionally managed
- Investment essentials

Flexible Lifetime - Investments can also be used for self-managed super funds (SMSFs) and gearing strategies.  You can start a Flexible Lifetime® - Investments account with $1,500. 

AMP Growth Bond - is an investment or insurance bond and is a simple, tax-effective investment solution that allows investors to build wealth over time.  The AMP Growth Bond is a life insurance policy issued by AMP Life. It is an investment only policy without a protection (insurance) component.

The AMP Growth Bond takes advantage of the unique tax treatment offered to this type of product.  Once you start the product, tax is paid on any investment earnings within the bond at the company rate of 30% (less imputation credits).  Where an investor holds the AMP Growth Bond for more than the 10 year rule period, the investment gain can be withdrawn tax-paid (i.e. investors don't need to pay personal income tax or capital gains tax on the investment gain), provided a few simple rules are followed. (Refer to PDS for details)

Build wealth separate to your business and independent of your core business focus, and enjoy a simple and tax-effective investment solution, with AMP Growth Bond. - Low fuss tax returns
- Tax on investment earnings is paid within the product at a maximum rate of   30% - there's no need to include earnings on your personal or business annual   tax returns (unless a withdrawal is made within the 10 year period)*.
- No tax paid on withdrawals
- After holding your investment for 10 years or more your business won't pay any     further tax on your withdrawals.(Refer to PDS for full details) 
- You can access your money at any time. After holding your investment for 10   years or more your business won't pay any further tax on your withdrawals   (subject to the 125% contribution opportunity). 
- Succession planning 

AMP Personalised Portfolio is an exciting new investment service offering you access to direct shares and other listed investments through professionally managed model portfolios.  These 'model portfolios' are referred to as Separately Managed Accounts (SMAs), and are just one of the investment options available within the AMP Personalised Portfolio.  Through the one service, you can choose from a wide range of investments across the major asset sectors to build an investment portfolio that suits your business needs. 

The AMP Personalised Portfolio provides you with the ability to invest in:

1. Separately Managed Accounts (SMAs) - professionally managed model
            portfolios of direct shares and other listed investments.

2. Managed Funds - across the major asset classes such as Australian and
            international shares, property, alternative assets, fixed interest and cash.

3. Personal Investment Portfolio - where you can transfer in an existing portfolio
            of direct shares or customise your own.

You must have a cash account as part of your portfolio. 

- More than just a wrap account
-As well as the usual wrap investment offerings of direct shares, cash and   managed funds, you'll also have access to Separately Managed Account (SMA)   model portfolios of direct shares and other listed investments.
- Professional management for direct shares
- SMAs provide your business with a simple and efficient way of gaining   exposure to direct shares, while still allowing you to enjoy the benefits of   professional investment management. A dedicated administrator performs all   custody and administration functions, including trade execution, settlement,   corporate action processing and tax reporting.
- Tax-effective investment
- SMAs offer significant opportunities to improve tax effectiveness. Investors do   not inherit 'embedded' capital gains when investing and asset transfers may not   trigger capital gains tax. Investors also receive dividends and franking credits as   they are earned and losses can be utilised by their business as they are   incurred.

SUPERANNUATION

Flexible Lifetime® - Super Easy is a competitive, low-cost superannuation account that makes dealing with your super a simple and straightforward process. Offering simple investment choices, competitive fees and affordable insurance features, it gives you hands-on control by letting you transact, receive communication from AMP and update your account online.

- Less fees to worry about.  
- Top up your account anytime.  
- Track your super online.  Check your super balance online, anytime. 
- Easily transfer your current super account.
- Track down lost super accounts. 
- Direct your employer's contributions with minimal fuss.

Simple investment choices - Choose between two basic investment options based on your preferred level of risk. Or select a combination of both. Choose personal insurance for peace of mind - A tax effective and affordable way of financially protecting yourself and your family.

Flexible Lifetime® - Super may be suitable for individuals and employees. This plan is incredibly flexible, yet easy to manage. It offers a wide range of investment and insurance options that can be tailored to meet your changing needs.

- Wider investment choice with access to over 60 investment options.
- Save money with the family bonus.  Link your Flexible Lifetime® accounts to   one immediate family member and help save even more on management   costs.
- Manage your retirement.  Easily transfer money from your super account to your   retirement account using the pension refresh facility.
- Flexible contributions - you, your employer and your spouse can make regular   contributions or invest a lump sum as often as you like (subject to contribution   limits and your personal eligibility)
- Wide investment choice - you can choose up to 10 investment options (plus   Term Deposits) from a selection of over 60 managed by leading Australian and   international investment managers
- Management fee rebate - potential to save up to 0.85% a year on management   costs
- Family bonus - you and one immediate family member can 'link' your Flexible   Lifetime accounts to help you save even more on management costs
- Easy switching - you can switch between investment options at any time, plus   there's a handy auto-rebalance facility
- Optional insurance benefits - you can choose to apply for tailored personal insurance - Online access and regular reporting - keep track of your account anytime online   using the convenient My Portfolio facility
- Pension refresh facility - you can easily transfer money from your super account   to your retirement account.

AMP Retirement Savings Account - This super account is designed for individuals who would like a simple and secure way to grow their super savings; and for employers looking for an easy super solution to meet their super obligations.

- Simple to use, easy to set up and operate.
- Cost-effective, no entry or exit fees
- Financial security, your investment will never decrease (other than by   government charges). (AMP Life Limited (ABN 84 079 300 379, AFSL No.   233671) guarantees that the rate of return will never be negative.)
- Flexibility - contribute as much or as little as you like, when you like.
- Tiered crediting rates - the higher the balance, the higher the crediting rate.

AMP Eligible Rollover Fund - accepts rollovers and transfers from other superannuation funds or retirement savings account providers. It is ideal for trustees and providers of superannuation who are seeking to transfer members to a capital guaranteed fund.

- Capital guaranteed
- Feel secure knowing that your account balance will never decrease in value   (other than by government charges)(AMP Life Limited (ABN 84 079 300 379,   AFSL No. 233671) guarantees that the rate of return will never be negative.)
- Enjoy no entry or withdrawal fee transactions
- Handy 24/7 online access. View your account details anytime including account   balances and personal details using My portfolio
- Simplicity - easy to set up and operate
- Flexibility - contribute as much or as little as you like, when you like
- Tiered crediting rates - the higher the balance, the higher the crediting rate.

CustomSuper® - Provides On-line administration where employers can easily administer their super obligations using on-line tools such as AMP eSuper.  Members can manage their super account using My portfolio.  Comprehensive educational resources allow members to have access to AMP's online learning resources to help them understand their super. Members may be eligible for rebates on management costs.  The amount varies depending on factors such as the size of the employer plan and a member's individual account balance.

For members

- Rebates on management costs - rebates may apply depending on the size of   the employer plan and your account balance
- Assistance to consolidate your superannuation accounts with us, helping you to   reduce fees and costs
- For employee members, Death and disability insurance options at group     premium rates.
- A choice of more than 60 investment options, managed by leading Australian   and international investment managers
- Free access to online views of your superannuation accounts and a range of   education programs
- Regular updates through Member Statements and Annual Updates/Reports.
- Flexible options which may include the ability to set up accounts for family   members (where agreed with the participant for the plan)
- Fee arrangements that take account of the combined buying power of all   members in the plan
- Assistance to consolidate your superannuation accounts with us so you can help   reduce fees and costs
- Competitive administration fees for members (and possibly their family).  See   the Product Disclosure Statement for an explanation of the administration fees,   together a description with the other fees and costs for SignatureSuper.
- Flexible death and disability insurance arrangements
- Wide investment choice with over 50 investment options from leading Australian   and international investment managers
- Free access to online views of your superannuation accounts and a range of   educational resources
- Regular updates and financial tips through Member Statements, Annual   Updates/Reports, and AMP's Signatures newsletter. 
- Competitive member fees - currently $1.47 per member per week.  
- Simple investment choices - choose between 4 different investment options
- Competitive premiums for death and total & permanent disablement insurance

For employers

- Flexible plan design so you can cater to your employees' needs
- Easy electronic administration and online management via AMP eSuper

SignatureSuper® - This high-end corporate superannuation solution is tailored to meet the varied needs of medium to large Australian businesses.  With online management employers can administer their super obligations via the AMP eSuper tool, and employees can manage their accounts through My portfolio.  With financial incentives management can take advantage of fee arrangements that take account of the combined buying power of all members in the plan.  There are flexible options to keep employees happy, which may include the ability for their family members to set up a plan account (where agreed with the participant for the plan).

- Easy administration via our straight through processing system
- Over 60 years experience in quality administration of defined benefit funds
- The convenience of electronic administration and online services via AMP   eSuper.
SuperLeader® - This simple superannuation package is designed for employers whose employees aren't required to contribute to an industry fund. Features include competitive member fees which are currently, only $1.47 per member per week ( The actual amount of member fee paid is reduced by 15% to allow for the tax deduction which is passed on to members.) There is easy access to online administration where employers can administer their super obligations via the AMP eSuper tool. Give your employees access to AMP's competitive insurance premiums for death and total permanent disablement insurance.

- Online administration via AMP eSuper
- Easy to manage, with low complexity

Flexible Lifetime® - Super may be suitable for individuals and employees. This plan is incredibly flexible, yet easy to manage.  It offers a wide range of investment and insurance options that can be tailored to meet your changing needs.  Take advantage of flexible contributions where You, your employer and your spouse can make regular contributions or invest a lump sum as often as you like (subject to contribution limits and your personal eligibility).  Save money with the family bonus, link your Flexible Lifetime® - Super accounts to one immediate family member and help save even more on management costs.  Manage your retirement, you can easily transfer money from your super account to your retirement account using the pension refresh facility.

- Flexible contributions - you, your employer and your spouse can make regular   contributions or invest a lump sum as often as you like (subject to contribution   limits and your personal eligibility)
- Wide investment choice - you can choose up to 10 investment options (plus   Term Deposits) from a selection of over 60 managed by leading Australian and    international investment managers
- Management costs rebate - potential to save up to 0.85% a year on   management costs
- Family bonus - you and one immediate family member can 'link' your Flexible   Lifetime accounts to help you save even more on management costs
- Easy switching - you can switch between investment options at any time, plus   there's a handy auto-rebalance facility
- Optional insurance benefits - you can choose to apply for tailored personal insurance
- Online access and regular reporting - keep track of your account anytime online   using the convenient My Portfolio facility
- Pension refresh facility - you can easily transfer money from your super account   to your retirement account.

AMP Retirement Savings Account - this is a super account designed for individuals who would like a simple and secure way to grow their super savings; and for employers looking for an easy super solution to meet their super obligations.  This account is simple to use as it is easy to set up and operate.  It is cost-effective with no entry or exit fees. (See the Product Disclosure Statement for an explanation of the fees and costs for the AMP Retirement Savings Account.) 

- Simplicity - easy to set up and operate.
- Flexibility - contribute as much or as little as you like, when you like.
- Security - AMP Life Limited (ABN 84 079 300 379, AFSL No. 233671) guarantees   that the rate of return will never be negative.
- No entry or exit fees.  See the Product Disclosure Statement for an explanation   of the fees and costs for the AMP Retirement Savings Account.
- Tiered crediting rates - the higher the balance, the higher the crediting rate.

RETIREMENT

Flexible Lifetime® - Allocated Pension -   is a retirement income account which is a tax-effective way to draw a regular income from your superannuation.  You can use this account to fund your lifestyle during retirement and to set up a range of smart strategies to help you build your wealth before you retire.
Investments in the fund and the investment options are not deposits or liabilities of AMP Bank or any other AMP group company. Your investment in the fund and the investment options are subject to investment risks, which could include delays in repayment and loss of income and capital invested. None of ASL, AMP Bank, each other AMP group company and each investment manager guarantees the performance of the fund or any investment option, the repayment of capital or (except where specifically stated in the PDS) any particular investment option.

- Decide how much income you want and set how much income you receive each   year and vary this amount at any time as long as it's within the limits set by the   Government.  
- Build your wealth for a better retirement.  
- Easily transfer money between your super and retirement accounts through a 'no   hassle' consolidation of those accounts on a regular basis with minimal
  paperwork
- Diversify to reduce your risk.  Choose up to 10 investment options (plus Term   Deposits) from a selection of over 60 which are managed by leading Australian   and international investment managers.

SignatureSuper® - Allocated Pension - Looking for a tax-effective way of drawing an income from your super? With an allocated pension you can choose the level of income to suit your lifestyle and how often you want to receive it by transferring your SignatureSuper® superannuation benefit to an income stream. Alternatively, you may want to apply for an allocated pension so that you can receive your SignatureSuper® death benefit in the form of an income stream.  

- Decide how much income you want.  Set how much income you receive each year   and vary this amount at any time as long as it's within the limits set by the Government.
- Can be tailored to support your needs in the build up to your retirement and then during retirement. 
- Easy access to your money - you can withdraw part or the full value of your   account at anytime. (note: Transition to Retirement income streams have   withdrawal restrictions set by the Government)
- Choose to invest in up to 10 investment options at any one time from a wide   selection of investment options managed by leading Australian and international   investment managers.
- Large Plan Discount - potential for a rebate on part of the Administration Fee
- Easy switching - you can switch between investment options at any time, plus   there's a handy auto-rebalance facility
- Online access and regular reporting - keep track of your account any time online   using the convenient My portfolio facility.

Disclaimer: Information provided by Rebate Financial Services on this fund manager and its products is either factual or concerns observations of investor behaviour.
This infortmation is not intended to be, and should not be considered to be recommendations or advice.  If you require advice please contact your financial advisor, or contact Rebate Financial Services for a referal to one.