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Protecting Your Retirement: The Warning Signs of High-Risk Schemes

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.

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Icon depicting a shield

Protecting Your Retirement: The Warning Signs of High-Risk Schemes

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.

Read now
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We now help members invest in their health.

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Check out 360Health

*The term ‘family/families’ consists of a Hostplus member’s children, partner, parents, and parents in-law.

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Icon depicting a shield

Protecting Your Retirement: The Warning Signs of High-Risk Schemes

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.

Read now

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  • Voluntary contributions
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  • Access your super early
  • Leaving Australia
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  • Nominate a beneficiary
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Canstar: 2018 - 2015 Outstanding Value Superannuation

Hostplus Outstanding Value Super

8 years in a row

We’re proud to have won Canstar’s Outstanding Value Super Award for the eighth year in a row. The award recognises our strong long-term performance, competitive fees and an array of product features. 

Find out more

Retirement

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  • Plan and prepare for retirement

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  • CPIplus
  • Forms and resources

  • Retirement calculator
  • Retirement learning hub
  • Webinars
  • Retirement income strategy

Retirement ready. Tick.

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.

Learn more

Forms and resources

  • Forms and resources
  • Retirement calculator
  • SuperSmart learning and advice
  • Supporting our members
  • First Nations peoples and Hostplus
  • 360Health
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Icon depicting a shield

Protecting Your Retirement: The Warning Signs of High-Risk Schemes

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.

Read now
  • Member Online

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    Pay your employees super contributions across multiple super funds.

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Canstar: 2018 - 2015 Outstanding Value Superannuation

Hostplus Outstanding Value Super

8 years in a row

We’re proud to have won Canstar’s Outstanding Value Super Award for the eighth year in a row. The award recognises our strong long-term performance, competitive fees and an array of product features. 

Find out more

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360HEALTH GIVES MEMBERS AND THEIR FAMILIES*

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*The term ‘family/families’ consists of a Hostplus member’s children, partner, parents, and parents in-law.

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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.

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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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Take control of your financial future

Published October 2025

Couple hugging and smiling outdoors.
Hostplus
Content team
4 min read
Updated 17 Oct 2025
  • Retirement planning

The right advice can change everything – start this World Financial Planning Day

8 October is World Financial Planning Day (WFPD) 2025. WFPD is a global reminder that the right financial advice can empower you to take control of your future, no matter where you are in life.  

This year, WFPD is a timely call to action to take charge of your financial wellbeing and set yourself up for a brighter tomorrow. 

Financial advice is for everyone

If you’re feeling uncertain about what’s ahead, you’re not alone. The rising cost of living is the biggest financial concern for many people around the world. But there’s a way to take control and feel more confident about your future: working with a Hostplus financial planner.  

A common misconception about financial advice is that it’s just for people who are getting close to retirement. In reality, research shows that people who work with a financial planner at any stage of life report greater financial confidence, improved financial wellbeing and more peace of mind.*  

According to the Value of Advice Index 2025, Australians receiving financial advice: 

  • have a higher quality of life and greater financial confidence 
  • felt more secure and better equipped to handle financial challenges  
  • trusted their adviser to act in their best interests 
  • overwhelmingly believe the benefits of advice outweighed the costs.* 

Want to join them?

Our financial advisers are here to help guide you to make informed decision about your super and your future. Hostplus financial advice is: 

  • accessible: support is available online, over the phone or face to face – whatever suits you best 
  • affordable: as a not-for-profit fund, Hostplus only charges what it costs to provide you advice 
  • personalised: our planners take the time to understand your unique circumstances and goals, helping you navigate everyone from investment choices to insurance, contribution strategies and retirement planning.  

If your questions relate to your Hostplus account, personalised advice is available at no extra cost. More comprehensive advice packages start from just $295. 

And with new digital tools like SuperSmart also available to members as part of their membership , financial education and tailored advice is more accessible than ever. 

Ready to take the next step?

Invest in yourself this World Financial Planning Day. Book a callback with a Hostplus financial adviser and discover how the right advice, at the right time, can help you feel more secure about today and tomorrow. Remember, you don’t have to do this alone – we’re here to help.  

Book a callback today

*https://faaa.au/value-of-advice-research/

Related links

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  • Colleagues talking over business report

    Financial planning and advice

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This website is provided by Host-Plus Pty Limited ABN 79 008 634 704, AFSL 244392 as trustee of the Hostplus Superannuation Fund ABN 68 657 495 890 and the Hostplus Pooled Superannuation Trust ABN 13 140 019 340.  This website contains general information only. We have not taken into consideration any of your objectives, financial situation or needs. You should consider your own financial situation and read the relevant Hostplus Product Disclosure Statement or Hostplus Self-Managed Invest PDS and Target Market Determination before making a decision about the products on this website.  Hostplus has engaged Industry Fund Services Limited ABN 54 007 016 195, AFSL 232514 and MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 to provide advice services to members. Refer to the Financial Services Guide for details. Awards and ratings are only one factor to consider when choosing a super fund. Read more information about our awards and ratings. Past performance is not a reliable indicator of future performance. You can view detailed disclaimers here. 

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The Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 (Chant West) Epic Retirement Tick issued October 2025 is solely a statement of opinion and not a recommendation in relation to making any investment decisions. The Tick is current for 12 months and subject to change at any time without notice. Ticks from previous years are for historical purposes only. Liability is not accepted, whether direct or indirect, from use of the Tick. Full details on the Tick at www.chantwest.com.au/solutions/epic-retirement-tick