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
Try SuperSmart today
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.
Retirement Income
Strategy Summary
Whether you’re preparing for retirement or already enjoying it, we’re here to help. Our goal is to help you make the most of your savings and build a retirement that best fits your lifestyle.
What is the Retirement Income Strategy?
A Retirement Income Strategy (RIS) is developed by super funds to identify their members' retirement needs and create a plan to meet those needs.
At Hostplus, our RIS is specifically designed to support our members approaching, or in retirement, achieve their best possible retirement outcome. It focuses on helping members achieve and balance three key objectives:
Maximising Your Retirement Income
- Helping you get the most out of your superannuation savings and Age Pension entitlements
- Providing you with the right retirement products, tools, resources, and advice to give you the confidence to plan for and enjoy your best retirement.
Managing Key Risks to Your Retirement Income
- Protecting your retirement income against risks like outliving your savings (longevity risk), market fluctuations (investment risk), and inflation (purchasing power risk).
- Offering diversified investment strategies to safeguard your financial future.
Providing Flexible Access to Your Retirement Savings
- Enabling you to make regular withdrawals or access lump sums when needed.
- Balancing flexibility with long-term stability so your savings last.
So, what Is Retirement and Retirement Income?
Retirement isn’t the same for everyone. For some, it’s the moment they stop working completely and step into a new phase of life. For others, it’s a gradual process, reducing work hours as priorities shift and evolve.
Similarly, retirement income isn’t one-size-fits-all—it can come from a mix of sources, each playing an important role in supporting your lifestyle.
These sources include:
- Superannuation – Your lifetime savings designed to fund your retirement.
- Government Age Pension – A safety net for eligible retirees.
- Personal Savings – Money you’ve set aside over the years. Investments outside of super – Such as property, shares, or other assets.
- Part-time work income – For those who choose to keep working or pursue passion projects.
Understanding what retirement looks like for you—and where your income will come from—helps you plan and prepare with confidence. Whether you’re aiming for complete financial independence or combining super with other sources, being informed is the key to a secure and comfortable retirement.
What does your current situation look like?
How we support your retirement goals
Every Hostplus member has a distinct vision for retirement. Our RIS offers a range of products, educational tools, and financial advice to help you plan and optimise your retirement.
Where to next?
What’s next for our strategy?
Over the next 24 months, we plan to enhance our offerings by conducting research to better understand your needs so we can provide more tailored guidance and support, informative packs with projections and case studies, exploring lifetime income products to manage longevity risk and reviewing our investment options for greater customisation.
Our commitment to you
We’re dedicated to optimising your retirement outcomes through responsible investment practices and quality, affordable products and services. We’ll review our strategy every three years to ensure it continues to meet your needs.
1. Results are based on assumptions that may not reflect current or future trends and don’t represent actual entitlements or benefits and shouldn’t be relied upon for the purpose of making decisions in relation to a financial product. Before making financial decisions, you should consider your personal circumstances and seek professional advice from a licensed financial adviser.
2. Provided to eligible members
3. 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.