Our products and services
Retired and looking for more certainty over your returns?
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
Learning Hub
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An interactive way to get financial education and tailored advice* online to help supercharge your future.
Exclusive to Hostplus members 24/7 via Member Online at no extra cost.
*Members with Term Allocated Pension, Lifetime Pension, Defined Benefit Pension, nil balances, non-standard investment options and some Maritime Contributory Accumulation members cannot access SuperSmart financial advice services.
Retirement
Retired and looking for more certainty over your returns?
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
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Member Online
Enter your Member Number and Password to access your account anytime.
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Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
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QuickSuper
Pay your employees super contributions across multiple super funds.
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Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
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Member Join
Everyone is welcome to join us as a member of our personal super plans.
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Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
-
Member Online
Enter your Member Number and Password to access your account anytime.
-
Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
-
QuickSuper
Pay your employees super contributions across multiple super funds.
-
Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
-
Member Join
Everyone is welcome to join us as a member of our personal super plans.
-
Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Why Hostplus
Retired and looking for more certainty over your returns?
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
Product and fee information for advisers
Retired and looking for more certainty over your returns?
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
-
Member Online
Enter your Member Number and Password to access your account anytime.
-
Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
-
QuickSuper
Pay your employees super contributions across multiple super funds.
-
Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
-
Member Join
Everyone is welcome to join us as a member of our personal super plans.
-
Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
-
Member Online
Enter your Member Number and Password to access your account anytime.
-
Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
-
QuickSuper
Pay your employees super contributions across multiple super funds.
-
Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
-
Member Join
Everyone is welcome to join us as a member of our personal super plans.
-
Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Looking for
low-cost super?Look no further
We've got the super-low-fee super option you've been searching for. Why pay nearly twice as much with Vanguard Super?
Hostplus Indexed
Balanced option
Low-cost, clear value, great returns.
If you’re looking for a low-cost indexed super option, look no further. The Hostplus Indexed Balanced option has a strong track record with a return of 8.3% p.a. over 10 years.1
Plus, it’s nearly half the cost of Vanguard’s Growth option, for members with a balance of $50,000. And less than one fifth of the cost for members with a balance of $250,000.
We’ve compared our Indexed Balanced option2 with Vanguard’s SaveSmart Growth option, which was launched in October 2022, so doesn’t yet have a performance track record. These two options are most closely aligned in terms of their investment approach and risk level.
Fees and costs on a $50K balance
| Hostplus Indexed Balanced | Vanguard Growth | |||
|---|---|---|---|---|
| % | $ | % | $ | |
| Administration fee | N/A | $78.00 | 0.30% | $150.00 |
| Operational Risk Financial Requirement (ORFR) | N/A | $ - | 0.05% | $15.00 |
| Admin fee deducted from reserves | N/A | $37.26 | N/A | $ - |
| Trustee fee | 0.0165% | $8.25 | 0.00% | $ - |
| Total investment fees and costs (incl. transaction costs) | 0.05% | $25.00 | 0.21% | $105.00 |
| Total | $143.49 | $280.00 | ||
'Total admin and investment fees & costs' includes administration fees, Trustee fees, investment fees and costs, performance fees, and transaction fees. For Hostplus, this includes an amount of $37.26 p.a. that was deducted from Hostplus reserves in FY22 and not deducted from members’ accounts. These fees have been calculated on a balance of $50,000. For Vanguard, the administration fee is 0.30% p.a. of balances up to $850,000 plus 0.05% p.a. of balances (with no cap). Please refer to Vanguard’s PDS here.
Fees and costs on a $250K balance
| Hostplus Indexed Balanced | Vanguard Growth | |||
|---|---|---|---|---|
| % | $ | % | $ | |
| Administration fee | N/A | $78.00 | 0.30% | $750.00 |
| Operational Risk Financial Requirement (ORFR) | N/A | $ - | 0.05% | $125.00 |
| Admin fee deducted from reserves | N/A | $37.26 | N/A | $ - |
| Trustee fee | 0.0165% | $41.25 | 0.00% | $ - |
| Total investment fees and costs (incl. transaction costs) | 0.05% | $125.00 | 0.21% | $525.00 |
| Total | $276.49 | $1,400.00 | ||
'Total admin and investment fees & costs' includes administration fees, Trustee fees, investment fees and costs, performance fees, and transaction fees. For Hostplus, this includes an amount of $37.26 p.a. that was deducted from Hostplus reserves in FY22 and not deducted from members’ accounts. These fees have been calculated on a balance of $50,000. For Vanguard, the administration fee is 0.30% p.a. of balances up to $850,000 plus 0.05% p.a. of balances (with no cap). Please refer to Vanguard’s PDS here.
Investment comparison
Target asset allocation
| Assets | Hostplus Indexed Balanced | Vanguard SaveSmart Growth3 |
|---|---|---|
| Australian shares | 35% | 28% |
| Diversified fixed interest | 17% | |
| Global fixed interest (hedged) | 21% | |
| International shares | 40% | 20.5% |
| International shares (hedged) | 12.5% | |
| Australian fixed interest | 9% | |
| International shares small companies | 5% | |
| Emerging markets shares | 4% | |
| Cash | 8% | |
| Total growth assets | 75% | 70% |
| Total defensive assets | 25% | 30% |
Performance objective/Return target
Indexed Balanced
CPI plus 2.5% p.a. on average over 20 years.
Vanguard Growth
CPI plus 2.0% over a rolling 10-year period.
Risk level
Indexed Balanced
High.
Negative returns expected in between 4 to less than 6 out of every 20 years.
Vanguard Growth
High.
Negative returns expected in between 4 to 6 out of every 20 years.
Investment time frame
Indexed Balanced
5 years plus
Vanguard Growth
7 years
Indexed investing – also known as passive management – is a low-cost style of investing that aims to mirror the returns of a benchmark index. When you invest in an indexed option, your funds are invested in all or most of the companies and assets that make up that benchmark index.
This contrasts with an active management approach, which aims to outperform an index by researching and selecting individual companies and assets to invest in.
Hostplus offers 5 indexed investment options:
- Indexed Balanced
- Diversified Fixed Interest – Indexed
- Australian Shares – Indexed
- International Shares – Indexed
- International Shares (Hedged) – Indexed
An index is a collection of investments that represents all or part of a particular market. Indexes are often used to measure the overall performance of that market.
Take the Australian share market for example. To measure the performance of the market as a whole, you take an average of the performance of the individual companies that are traded on the ASX (the Australian Securities Exchange). Because there are more than 2,000 companies traded (many of which are quite small), investment managers often focus on just the largest 200 companies. The specific index used to measure the performance of these 200 companies is called the S&P/ASX200.
Why choose Hostplus?
We’re an award-winning fund
Hostplus Indexed Balanced was awarded Money magazine's 'Best-Value Super Product' in 2022.*
*Money magazine does not issue, sell, guarantee or underwrite this product. Go to moneymag.com.au for details of this award. Awards and ratings are only one factor to be taken into account when choosing a super fund
A simple, low-cost way to invest your super.
A proven history
Hostplus’ Indexed Balanced option has a strong track record with a return of 8.3% p.a. over 10 years1 and $10 billion in FUM4.
Passively managed
Made up of passive funds which are designed to closely track market indices, asset classes and underlying markets. It does not use derivatives or other synthetic instruments to gain exposure to markets.
Diversified
Our Indexed Balanced option is diversified across international and Australian shares, international and Australian fixed interest, and cash. It invests through experienced managers such as IFM Investors, BlackRock and Citi.
1. SuperRatings Accumulation Fund Crediting Rate Survey – SR50 Balanced (60-76) Index, 31 October 2022. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.
2. We have used Hostplus’ accumulation product for this comparison. Hostplus’ Indexed Balanced option available through our pension product will have a different return target, net investment returns and administration fees associated with it.
3. Vanguard's Growth option targets an asset mix of 30% defensive assets, which is higher than Hostplus' Indexed Balanced option, which targets an asset mix of 25% defensive assets. This means that Vanguard's Growth option is more defensive in nature and would ordinarily be expected to carry less investment risk. Vanguard’s Growth option can also invest up to 5% in cash.
4. Source: Hostplus, as at 31 October 2022