As a specialist investment portfolio service offered through the North Online platform, ipac iAccess is designed for individuals looking for flexibility and choice in their superannuation to build their super savings and transition to pension.ipac iAccess Pension provides members with access to over 330 managed funds, managed portfolios, as well as Direct Shares, ETFs, LICs and Term Deposits. The ipac Pathways 70 investment option underperformed the SuperRatings Index over each time period assessed to 30 June 2020. 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 charged, although a buy/sell spread and transaction fees may apply.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. Beneficiary options are comprehensive, including both binding and non-binding nominations, as well as reversionary pensions and non-lapsing binding nominations.Members can monitor and produce reports on all investments through North Online. Additional benefits available through AMP's website include access to a variety of financial simulators and retirement calculators, as well as a Goals info centre, which provides members with a wealth of educational materials, tools and online learning. Furthermore, the fund's interactive digital advice tool 'AMP Goals 360' is designed to assist members to plan and track their retirement goals.

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