A ‘Starter’ is commonly referred to as a person in their late 20s or early 30s. startersThey may have completed tertiary education, could be living either at home or with friends and are possibly starting a career or family – even both.

A ‘Starter’ may have experienced other kinds of personal development and life challenges, but to date; goals have more likely been career than money focused. Only recently have they become aware of the ticking clock and the need to “do something” about their finances and as such a ‘trigger event’ tends to cause substantial impact to force these individuals to take action. This will mean different things to different people, but could include travel, buying a home or holiday home, dining out regularly or overseas holidays.

The fact that these individuals have done little or nothing about their financial future (or maybe did but suffered a temporary setback) means they they’re what we call a ‘Starter’. They are starting out on the road to becoming Financially Independent.

It is never too early to start making decisions to achieve our personal and financial goals because the kind of life we’d like to live tomorrow depends entirely on the financial, lifestyle and career decisions we make today.

For us, it is an investment in your future, which we are more than happy to make.

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