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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.
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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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.
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Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
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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.
Working out how much super you need in retirement depends on the kind of lifestyle you'd like. Here we explore what you'll need for a comfortable or modest standard of living.
To achieve a comfortable retirement
According to the ASFA Retirement Standard1, a comfortable retirement allows you to enjoy a good standard of living with a budget that includes things like:
- private health insurance, new clothes, and a decent car
- local holidays, social outings, exercise classes
- home repairs, air conditioning, streaming services.
To retire comfortably at age 67, a couple would need around $690,000 in their super (combined) and a single person would need around $595,000.
This translates to an annual income of $71,724 for a couple or $50,981 for a single person, including the government Age Pension.
The figures in each case assume that the retiree(s) own their own home and relate to expenditure by household.
To achieve a modest income in retirement
According to ASFA1, a modest income in retirement allows for a lifestyle slightly above the Age Pension, including things like:
- basic health insurance
- social activities with family and friends
To retire at age 67 with a modest income, a couple would need around $100,000 in their super (combined). A single person would also need about $100,000.
This translates to an annual income of $46,620 for a couple or $32,417 for a single person, including the government Age Pension.
These figures assume that the retiree(s) own their own home and relate to expenditure by household.
How much super should I have for my age now?
There’s no right or wrong with retirement but knowing what your super balance should be for your age is a guide to whether you’re on track.
The table below is a guide to show how much a single person may need to achieve a comfortable retirement. Your circumstances might be different. It's easy to check for yourself how you're tracking through Member Online or the Hostplus app.
| Age (years) | Super balance for a single person |
|---|---|
| 25 | $18,500 |
| 30 | $59,000 |
| 35 | $101,500 |
| 40 | $156,000 |
| 45 | $213,000 |
| 50 | $281,000 |
| 55 | $361,000 |
| 60 | $453,000 |
| 65 | $549,000 |
| 67 | $595,000 |
Source: superguru.com.au Figures are based on Super Balance Detective calculator accessed January 2024. The table is for illustrative purposes only. For details of all assumptions used in the calculation, please visit superguru.com.au/calculators/super-detective.
The above figures apply for a single person. If you're in a relationship, the combined super you'll need at age 67 for a comfortable retirement is estimated to be $690,000.
What if I'm
not on track?
Don’t despair. There are some things that you can do to help boost your super balance and take control. One of the simplest ways to help grow your super is by making additional contributions on top of what your employer pays. You might be able to pay extra money into your super in a few different ways (subject to eligibility rules). Check out the four ways of getting more into your super.
Women and super
Women generally retire with less super than men. So it’s really important that you keep up to date with your super.
A simple way is to check your payslip and make sure your employer is paying the correct amount, on time.
Find out more about what you can do to bridge the gender super gap.
Get expert advice
Having a financial plan can help you make the right decisions now, to help you achieve your future goals. That’s why with Hostplus, you can access qualified financial planners, dedicated to helping you achieve your retirement goals, including making sure you have enough for retirement, and that you’re making the most out of your super.
The holistic approach considers all aspects of your financial journey, including:
- superannuation, including contributions and investment allocation
- tax-effective retirement planning, including transition to retirement
- wealth creation, including investments outside of super
- maximising cash flow, income and debt management
- maximising your government entitlements and insurance
- estate planning, and more.
Hostplus
retirement accounts
1. Source: https://www.superannuation.asn.au/resources/retirement-standard/ “Comfortable retirement lifestyle for retirees"