As a specialist investment portfolio service offered through the North Online platform, ipac iAccess Personal Super and Allocation Pension are designed for individuals looking for flexibility and choice in their superannuation to build their super savings and transition to a pension.ipac iAcess Allocation Pension provides members with a choice of over 320 Diversified and Single-Sector investment strategies, as well as Single Manager options. Access to Direct Shares, ETFs, LICs and Term Deposits is also provided. The ipac Pathways 70 investment option underperformed the SuperRatings Index over the 10 years to 30 June 2019. Fees for this product are higher than the industry average across all account balances assessed. However, a tiered administration fee scale provides discounts for members with large account balances, while a management cost rebate of up to 0.495% pa is also available to members investing in Pathway strategies. Further savings can be obtained through family fee aggregation. No switching fees are applicable, although changing investment options may incur transaction costs. An excellent level of pension flexibility is provided. Members can choose from a variety of pension payment frequencies ranging from fortnightly to annually and can also elect payment dates. Furthermore, payments can be set to increase by CPI or a nominated percentage annually. Death cover is also available to pension members.Through North Online, members can obtain investment portfolio information, complete transactions and produce consolidated reports at any time. Members also have access to a variety of financial simulators and retirement calculators, as well as educational materials and online learning through AMP's website.

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