Our products and services
We now help members invest in their health.
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.
Learning Hub
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.
Retirement
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.
Forms and resources
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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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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SMI Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
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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.
-
SMI 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.
-
SMI 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.
-
SMI Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
-
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.
-
SMI 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.
-
SMI Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Retirement Income Strategy summary
Your retirement. Your way.
Whether you're preparing for retirement or already enjoying it, Hostplus is here to help you make the most of your savings - so you can live the retirement lifestyle that suits you.
What is the Retirement Income Strategy (RIS)?
Super funds like Hostplus are required to have a Retirement Income Strategy (RIS) to support members in or approaching retirement. Our strategy is built around a single purpose: helping you live your best retirement.
Hostplus RIS three key objectives
Maximising your retirement income
- Make the most of your super savings and any Age Pension entitlements.
- Access retirement products, tools and advice to help you plan for and enjoy life after work.
Managing your retirement risks
- Protect your income from longevity, investment and inflation risks.
- Choose from diversified investment options and stable income products designed for your future.
Providing you with flexible access to your money
- Make regular withdrawals or take out lump sums when needed.
- Maintain flexibility while planning ahead so your money lasts.
What does retirement income really mean?
Retirement looks different for everyone. Some people fully stop working, while others gradually reduce their hours. Whatever path you take, you’ll need income to support your lifestyle - and that income can come from several sources.
Superannuation
When you reach your preservation age (the age at which you can access your super), you can choose to convert your super savings into an Account-Based Pension (ABP).
- This type of account is offered by super funds.
- Your money stays invested, so it can continue to grow.
- You nominate how much you’d like to pay yourself and how often.
- This creates a steady stream of income during retirement.
The Age Pension
The Government Age Pension is a government payment designed to support eligible retirees.
- Eligibility depends on your age, assets, and income (including your super balance).
- The amount you receive can change over time. For example:
- If you retire with a large super balance, you may only qualify for a part pension.
- As your super balance reduces, your Age Pension entitlement may increase.
Investments outside of super
You may also earn income from assets held outside your superannuation, such as:
- Rental income from property
- Dividends from shares
- Interest from savings or term deposits
Part-time work
Retirement doesn’t always mean stopping work completely. Many people choose to:
- Work part-time
- Take on casual or consulting roles
- Use their skills in new ways
Understanding your future
Knowing your potential income sources helps you plan with more confidence and make smarter choices about your retirement.
Tip: The more you understand about your retirement income options, the better prepared you'll be.
Your retirement journey
Your retirement journey is unique, and how you fund it will often involve a combination of different income sources. The diagram below shows the three main groupings of income that members typically draw from once retired. Hostplus can offer solutions for all these income mixes.
How we help you retire well
Your retirement vision is personal. Hostplus offers a wide range of products, tools, and support to help you plan and manage your retirement income - your way.
Explore the options below and choose what suits your needs best. We’re here to help you take the next step with confidence.
Product solutions
Education and support tools
Financial advice and guidance
Your path forward
You may now have a clearer picture of your retirement options. Here’s how to move forward in a way that suits you:
- Use our tools to estimate how much income you might need in retirement and whether you're on track to get there
- Explore which Hostplus product aligns with your goals and lifestyle
- Choose the level of support that works for you — whether that’s using self-service tools, reading more, or speaking with an adviser if you’d like more guidance.
Everyone’s journey is different. What matters is that you take the steps that feel right for you — set your goals, make a plan, and revisit it over time. We’re here to help you shape a retirement that works for you.
1 SuperRatings fee data for public offer MySuper products extracted from SMART platform on 6 August 2024. Comparison is based on the total administration fees and costs assuming a $50k account balance. Other fees and costs apply. Refer to the PDS for more information, available at hostplus.com.au/pds.
2 Potential tax benefits may apply when combined with a contribution strategy. Personal circumstances vary—consider seeking personal financial advice.
3 Provided to eligible members.
4 Results are based on certain assumptions that may not reflect current or future trends and therefore do not represent actual entitlements or benefits and should not be relied upon for the purpose of making decisions in relation to a financial product. Before making any financial decisions, you should consider obtaining professional financial advice from a licenced financial adviser. Results are expressed in today's dollars, allowing for future assumed wage inflation.
The information is general in nature and does not take into account your personal circumstances. Before making any financial decision, you should consider obtaining professional financial advice from a licenced financial adviser. Results are expressed in today's dollars, allowing for future assumed wage inflation.