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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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.
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.
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.
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.
This innovative pension^ investment option aims to deliver a predetermined return above inflation, regardless of the performance of its underlying investment assets. This is designed to help your retirement savings keep pace with the rising costs of living, even in times of uncertainty. Invest as much or as little as you like, and withdraw funds when you need to with CPIplus.
For the current CPIplus rates, see
the Hostplus CPIplus rates card.
^The investment fees reflect the costs incurred by the Balanced investment option (which is where CPIplus assets are invested) and are not deducted from your CPIplus returns.
* Not available for Transition to Retirement Pensions.
CPIplus is designed for members with short-term investment horizon in pursuit of a low-risk option targeting a consistent and competitive pre-determined return above inflation over time.
CPIplus offers returns that are more certain and less volatile than those typically available by investing in growth assets such as shares, but generally higher than those available by investing in conservative assets such as cash.
This table shows the 12-month net return for our CPIplus option at 30 June each year. The net return is the money the investment has earned, minus investment costs and taxes.1
| Year | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|
| Return | - | - | - | 7.09% | 9.55% |
This table2 shows the average net return for our CPIplus option over 3, 5 and 10 years to 30 June 2023.1
| Year | 3 years | 5 years | 10 years |
|---|---|---|---|
| Average return (p.a.) | - | - | - |
1. Administration and other fees also apply. For a full breakdown of fees and costs, see the Pension Guide. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.
2. The CPIplus investment option was introduced to members on 1 July 2021, therefore no 3, 5, and 10-year performance information is available. See investment returns page for returns over all available periods.
Hostplus Pension members can invest in CPIplus. It is not available to members with Hostplus Transition to Retirement (TTR) accounts, investors in Hostplus Self-Managed Invest (SMI), or Hostplus Super members.
CPIplus’ return objective is set in advance for each return period (currently 12 months from 1 July). It is calculated using the following formula: CPI + n.
CPI is based on the average Consumer Price Index rate for the last two quarters and is updated each quarter. ‘n’ is a predetermined rate of return that is compounded daily over the return period. We determine the rate of return each year as part of our annual investment strategy review. You can find the value of ‘n’, the CPI rate and the current return period in our CPI Rates document.
By setting a return above CPI, we ensure that returns are above the level of inflation. This minimises the impact of inflation on the real value of your investment returns.
Returns are credited each day. There is a minimum daily return floor of zero, which means that the CPIplus daily return will not be negative – even if the CPI rate for that period was negative or the underlying investments performed below expectations.
CPIplus’ assets are invested in the same pool as our Balanced (Pension phase) option. The assets of the Balanced option in the accumulation and TTR phases are also invested in the same pool.
As CPIplus’ return is set in advance, its returns are not affected by the returns on the underlying investments. Instead, the Balanced option in the accumulation phase receives any excess market returns generated by CPIplus assets. The Balanced option in the accumulation phase will also make up any shortfall if the CPIplus investment returns do not reach the predetermined return.
CPIplus returns are not guaranteed.
However, this investment option is low risk and has an investment return ‘floor’, which means that members will not receive a negative return, regardless of the performance of the underlying investments.
As with all investments, there are risks that you should consider before you decide to invest. As outlined in the Pension Guide (Product Disclosure Statement), these are:
A risk trigger event is defined as a severe event that results in a significant risk to the implementation of the investment strategy for the CPIplus option or the Balanced option. As an example, Hostplus conducted an interim investment strategy review in 2020 because it considered the sudden and significant changes in external environment due to the onset and impact of COVID-19 and government policy settings to qualify as a risk trigger event. Hostplus reserves the right to bring forward the end of a Return Period or terminate the CPIplus option by providing members in CPIplus 30 days’ notice in the case of changes resulting from a risk trigger event or 90 days’ notice in all other cases.
There are no additional fees to invest in CPIplus.
The investment costs for CPIplus are outlined under Fees and Charges. All investment returns are declared net of investment fees and costs.
If you’re an existing Hostplus Pension member, simply login to Pension Online to invest in CPIplus.
If you’re not a Hostplus Pension member, you will first need to open a pension account.
