AMP Retirement Saver package. Enjoy retirement with EVERYDAY DISCOUNTS
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1 AMP Retirement Saver package Enjoy retirement with EVERYDAY DISCOUNTS
2 Make retirement more rewarding and your money go further Designed to help make your money last longer AMP Retirement Saver package helps make the most of your retirement funds, with an award winning AMP Flexible Super Retirement account linked to an AMP Cash Manager account. It gives you the best of both worlds, with a range of tax effective investment options and all the convenience of managing your money in one place. Of course, there s 24 hour online and phone banking with easy access to cash right across one of Australia s largest ATM networks. Everyday discounts at hundreds of shops nationwide With AMP Retirement Saver, you also gain access to AMP Plus, as an AMP customer you can enjoy discounts at over 300 shops Australia wide, making your retirement money work even harder. From everyday purchases to life s little luxuries, AMP Plus delivers great savings and benefits whether you re shopping online or in store. Better still, you can use the discounts on top of sale prices so you ll save even more.
3 AMP Retirement Saver package AMP Flexible Super Retirement account AMP Cash Manager bank account AMP Plus The flexible pension account that provides regular income. Competitive interest rate and easy access to your money. Everyday discounts and savings so you can live it up a little!
4 AMP Flexible Super Retirement account Regular reliable income - like a paycheck in retirement. Helps you access or potentially increase your Centrelink benefits. A wide range of tax effective investment options allow you to let your money grow during your retirement. Find out more The flexible pension account that provides regular income. Registered trademark of AMP Limited ABN
5 Help your super last longer AMP Flexible of December Super Retirement account Regular reliable income - like a paycheck The graph compares 2 people who have reached retirement age and are receiving the Centrelink age pension as in retirement. Pension years , , , ,000 50,000 0 Person A Person B Account balance ($) APRIL 2032 MARCH 2030 Person A does Helps nothing you access and leaves or potentially their money increase their super account, your where Centrelink it is invested benefits. in a Cautious fund for three more years. When they finally withdraw their funds as a A lump wide sum, range they of place tax it effective in a bank investment account. Person B doesn t options wait, allow and you decides to let to your transfer money their grow super into during an account your based retirement. pension before 31 December They stay invested in a Cautious fund for the life of the pension. We see Person A s money in a savings account, runs out in just over 15 years, by March Benefits Person B s money in an account based pension, lasts over 17 years. At over 2 years longer, it lasts until April The flexible pension account that provides regular income. This example is illustrative only and is not an estimate of the investment returns clients will receive or fees and costs they ll incur. The example is based on the following assumptions (a) Both Person A and B are over 65 and are single home-owners with a starting super balance of $200,000. (b) Both Person A and B receive income in the first year of $15,000 and this grows at an inflation rate of 2.5%pa. (c) A Cautious fund typically has a 35% average allocation to Growth Assets and 65% to Defensive Assets. The annual investment of the Cautious fund in this example is 5%. (d) The bank account that Person A invests in earns interest of 4.25%pa. While the interest earned could be subject to tax, we have assumed that given higher tax offsets for over 65s, no tax is payable on this interest. (e) The effective tax rate on investment earnings while Person A is in super is 11.66%pa (the actual tax rate is 15%pa but this is reduced by the impact of franking credits). (f) This example does not take the effect of fees into account. Registered trademark of AMP Limited ABN Registered trademark of AMP Limited ABN
6 AMP Cash Manager bank account Enjoy all the usual bank benefits and manage your finances in one place. Competitive interest and no account keeping fees means your money works harder. Access your money easily anywhere in Australia using the rediatm network for free. And when overseas, with your AMP Visa Debit Card (charges apply overseas). Find out more Competitive interest rates and easy access to your money.
7 With interest and reduced fees your money lasts longer AMP Cash Manager bank account All income (including regular AMP Flexible Super Retirement account payments plus any other income) Enjoy all the usual bank benefits and manage your finances in one place. Competitive interest and no account keeping AMP Cash Manager Your fees means cash hub your money works harder. For lifestyle expenses like groceries (Use AMP Cash Manager as an everyday transaction account) Your short-term savings jar: Holidays, renovations etc. (Use an account with competitive interest, like an AMP Saver) Access your money easily anywhere in Australia using the free rediatm network. And when overseas, with your AMP Visa Debit Card (charges apply overseas). Your bills jar: Money they owe others (Use an account with competitive interest, like an AMP Saver) Benefits While it is a transaction account, AMP Cash Manager also earns interest which is calculated daily and paid monthly, so your everyday funds are working too. Plus when your adviser opens an AMP Cash Manager in ACMS, we ll waive the $5 monthly account management fee helping you earn even more. Competitive interest rates and easy access to your money. This example is illustrative only and is not an estimate of the investment returns clients will receive or fees and costs they ll incur. Fees and charges apply for special services. Registered trademark of AMP Limited ABN
8 AMP Plus Ability to access discounts as well as cashback offers. Everyday discounts and savings so you can live it up a little! Fantastic savings at over 300 shops - Coles Woolworths Caltex Woolworths Dan Murphy s The Good Guys Dick Smith Event Cinemas Hotels.com Expedia epharmacy Direct Plus hundreds of other brands Find out more
9 How you could save with AMP Plus AMP Cash Manager bank account AMP Plus offer discounts of between 5% and 30% from over 300 Australian Enjoy retailers. all the We ve usual got bank you benefits covered and from day to day expenses like groceries, petrol and clothing, to little luxuries like eating manage out, hotel your stays, finances electrical in one goods place. and more. In-store discounts are typically between 5%10%, while online discounts are typically 7%30%. Most discounts are on top of sale prices and existing promotions so you can save even more. Competitive interest and no account keeping fees means your money works harder. Let s look at Helen and Mike for example Access your money easily anywhere in Australia using the free rediatm network. And when Each month they spend around: $845 on groceries, $1,328 on leisure/entertainment activities, and $248 on clothing. As an example: overseas, with your AMP Visa Debit Card If they spend all their grocery money at their local Woolworths or Coles, (charges with a 5% apply discount overseas). (on top of any in store promotions or sales) they d save $42 a month, adding up to $1,512 over three years. If they spend their leisure budget at Ticketek or Ticketmaster, potentially paying for treats for family members as well, with a 10% discount they would save $133 each month, adding up to $4,788 over three years. Benefits When buying clothing, they have the choice of 84 retailers, but as an example if they spent all their money at Country Road, with a 10% discount they would save $25 per month, adding up to $900 over three years. If they consistently use the AMP Plus discounts over three years (until access to the AMP Plus rewards program ends on 31 December 2017) based on the above, Helen and Mike would save $7,200 over three years! This example is illustrative only. Discounts above are as specified, but any number of permutations are possible through the various retailers and discounts and offers can be changed or withdrawn at any time without notice. Registered trademark of AMP Limited ABN
10 How much can you save? When you take advantage of the AMP Retirement Saver package, you ll automatically be able to register for AMP Plus membership. You ll be able to enjoy great everyday savings until 31 December If you spend $200 per week on groceries and petrol, you could save $520 through the year using the 5% discount at Coles, Woolworths and Caltex Woolworths, Dan Murphy s and more. Save 5% off technology, gadgets and appliances from The Good Guys, Dick Smith and other leading retailers. Save $7.50 on the cost of a move ticket at Event Cinemas and just pay $11.50 instead of $19 (valid anytime apart from Saturdays after 5pm) Save 10% every time you take your family to SEA LIFE Aquarium, Warner Bros. movie World, Kryal Castle and many other attractions available at MyFun.com.au Earn up to 7% cashback on a range of international hotel bookings through Hotels.com or Expedia. Earn 4% cashback on an extensive catalogue of health products and medicines and have them delivered directly to your home by epharmacy Direct.
11 For more details ask to your AMP adviser AMP Plus offers and discounts can be changed or withdrawn without notice. The cost of the program is not funded out of any superannuation money. Any advice in this brochure is general in nature and is provided by AMP Life Limited ABN (AMP Life). The advice does not take into account your personal objectives, financial situation or needs. Therefore, before acting on the advice, you should consider the appropriateness of the advice, having regard to those matters. Before making a decision about the product they should consider the relevant Product Disclosure Statement or Terms and Conditions available from amp.com.au or by calling The issuer of AMP Flexible Super Retirement account is AMP Superannuation Limited ABN , AFSL No The issuer of AMP Cash Manager is AMP Bank Limited, ABN , AFSL No AMP Life is part of the AMP Group and can be contacted on askamp@amp.com.au or If you decide to purchase or vary a financial product, AMP Life and/or other companies within the AMP group will receive fees and other benefits, which will be a dollar amount or a percentage of either the premium they pay or the value of their investments. You can ask AMP for more details. The AMP Plus program is provided by Reward Gateway Pty Ltd ABN which operates it for AMP Services Ltd. Your access to this program will end on 31 December Before registering for the program your clients should consider the AMP Plus Terms and Conditions, Privacy Policy, and Cookies Policy available at ampplus.com.au. Products and services are subject to availability, you must have an address and you must enable cookies in your browser to collect Cashback points. Discounts correct as at 5 August 2014.
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