An ‘Accumulator’ is commonly referred to as a person in their early thirties to late forties, possibly older. They may be part of a family with kids, a dog and a mortgage or they could be single and career-focused.

These type of individuals wake up every morning tied down by worries and responsibilities or conversely they may wake up feeling optimistic, even carefree and content with both their career path and private life and facing the future with anticipation.

Whichever it is, this is the period in their life when their circumstances can and usually do, change very quickly: careers, relationships, locations, everything and anything.

As an ‘Accumulator’, it is imperative to ensure that your financial situation can change with you and adapt rapidly to your changing needs, yet always keeping an eye on the overall goal.

Whether this involves making inroads into your home loan, saving up for school fees, building up assets apart from your home, or even beginning to plan for retirement, accumulating wealth now will secure your financials for tomorrow.

What you need to know

This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.

If you acquire an AMP product or service, AMP companies and/or their representatives will receive fees and other benefits, which will be a dollar amount and/or a percentage of either the premium you pay or the value of your investments.


A ‘Starter’ is commonly referred to as a person


An ‘Accumulator’ is commonly referred to as a person

Pre Retirees

A ‘Pre-Retiree’ is commonly referred to as a person


When becoming a ‘Retiree’, these people will be satisfied