In partnership with our insurer MetLife, we're pleased to offer 360Health to all Hostplus members and their families.* It's a way to connect to a range of virtual health and wellbeing services at no extra cost.
*The term ‘family/families’ consists of a Hostplus member’s children, partner, parents, and parents in-law.
Following the collapse of the First Shield / Guardian schemes, Hostplus is urging members to familiarise themselves with the red flags to look out for when making decisions about your super. These include cold calling, pressure tactics, and exaggerated promises about high returns.
The Epic Retirement Tick is a new recognition from Chant West for super funds that meet a high standard across key retirement criteria.
Hostplus is proud to be among the first of only six funds to earn the Tick - helping members feel confident about their retirement today and into the future.
Following the collapse of the First Shield / Guardian schemes, Hostplus is urging members to familiarise themselves with the red flags to look out for when making decisions about your super. These include cold calling, pressure tactics, and exaggerated promises about high returns.
Enter your Member Number and Password to access your account anytime.
Log in to manage your Pension account 24 hours a day, 7 days a week.
Pay your employees super contributions across multiple super funds.
Enter your Username and Password to access your account and start managing your investments.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Enter your Member Number and Password to access your account anytime.
Log in to manage your Pension account 24 hours a day, 7 days a week.
Pay your employees super contributions across multiple super funds.
Enter your Username and Password to access your account and start managing your investments.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
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.
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.
Enter your Member Number and Password to access your account anytime.
Log in to manage your Pension account 24 hours a day, 7 days a week.
Pay your employees super contributions across multiple super funds.
Enter your Username and Password to access your account and start managing your investments.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Enter your Member Number and Password to access your account anytime.
Log in to manage your Pension account 24 hours a day, 7 days a week.
Pay your employees super contributions across multiple super funds.
Enter your Username and Password to access your account and start managing your investments.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Enter your Member Number and Password to access your account anytime.
Log in to manage your Pension account 24 hours a day, 7 days a week.
Pay your employees super contributions across multiple super funds.
Enter your Username and Password to access your account and start managing your investments.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Published July 2025
We've put together this simple guide to investing: what it is, how it works, and why it matters for your retirement savings.
Investing is about putting your money into things – called ‘assets’ – with the aim of making you more money (known as your ‘return’).
In general, there are two main ways you can invest:
• buying assets that increase in value over time (like property)
• buying assets that pay you an income (like rent from real estate).
There are lots of different assets you can invest in, each with its own risks and rewards.
Risk vs reward
Investment returns aren’t guaranteed, and all investments carry some level of risk. This could mean short-term ups and downs or longer-term changes in value. Typically, higher-risk investments aim for higher returns. Lower-risk investments offer more stability, but usually with lower returns.
Why invest when you can save?
Savings accounts are low risk, but the interest they earn often doesn’t keep up with rising costs of living. As prices rise, your money buys less – that’s inflation.
Investing typically offers better long-term returns, helping your money grow faster. But this comes with more risk.
How investing grows your super
Because investing typically delivers better returns than your bank account, you could reach your goals sooner.
And since your super’s invested over a much longer time frame, you can benefit from the power of compound returns. This means any positive returns earned in one year will grow your balance – giving you more money to invest and more potential to compound the following year. Over time, this can make a big difference to your super balance.
The more you understand how your super is invested, the better equipped you’ll be to make decisions supporting your retirement.
If you’re a Hostplus member and you haven’t chosen where your super’s invested, your money’s automatically invested in our Balanced (MySuper) option.
But, if you’d like to be more hands-on, you can choose where your super is invested based on things like your risk appetite and your age.
Assets are categorised into groups known as asset classes, which each behave differently. Examples include:
Diversification simply means spreading your super across different asset classes instead of putting it all in one place. It’s a good way to manage risk – if one investment performs poorly, it’s less likely to drag down your entire balance because other investments may do well at the same time. This helps smooth out returns over time.
The longer your money stays invested, the more time it has to grow. Your super’s designed to fund your retirement, so it’s usually invested for a long time. The average Hostplus member has around 30 years until retirement.
This long-term horizon allows your super to be invested in assets like emerging technologies and infrastructure, which are built to deliver steady growth over time. It also helps smooth out short-term market fluctuations, leading to more consistent returns.
You can take charge of your super by choosing the way it’s invested. We offer multiple investment options because we know everyone’s different. So, if you’re a Hostplus member, the choice is yours.
Leave it to the experts
If you want a hands-off approach, our Balanced (MySuper) option offers a mix of growth (like shares) and defensive (like cash) assets.
Choose a low-cost option
Our Indexed Balanced option focuses on keeping investment fees and costs low while investing your money in a broad range of assets.
Invest in line with your values
Choose an option – like our Socially Responsible Investment (SRI) - Balanced option – that invests in assets aiming to create positive environmental and social impact.
Do it yourself
Want more control? Choiceplus lets you to invest directly in Australian
shares, exchange-traded funds, listed investment companies, or term deposits.
Think about what matters to you most – growth, stability, control, or your personal values – as well as your age, investment time frame and your risk appetite. You can also read our handy guide to learn more about choosing your investments.
We offer financial advice online, over the phone, or face to face that can explain how our investment options work and which one might be right for you. Call us on 1300 303 188 or book a callback to make an appointment.
Prefer online? Explore SuperSmart. It’s an innovative and interactive platform to get financial education and tailored advice* online to help supercharge your future. It’s exclusive to Hostplus members and available 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.
