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Financial Services Guide

5 October 2021

Purpose of this guide.

The purpose of this Financial Services Guide (FSG) is to provide important information about financial services offered by Host-Plus Pty Limited ABN 79 008 634 704 (Hostplus) and its representatives and help you decide whether to use/acquire those services.

This FSG contains information about:

  • who we are and our contact details;
  • what financial services we are authorised to provide and the financial products to which those services relate;
  • details about relevant associations and relationships;
  • how Hostplus (and our representatives) are paid;
  • how we protect your personal information; and
  • information on our internal and external dispute resolution procedures and how you can access them.

If you need more information or clarification of any matters raised in this document, please contact us.

This FSG has been authorised for distribution by Hostplus and its representatives.

Who is Hostplus?

Hostplus (also referred herein as Trustee, we, us and our) is an Australian Financial Services Licensee (AFS Licence No. 244392), an APRA regulated Registrable Superannuation Entity Licensee (RSE Licensee No L0000093) and trustee of the:

  • Hostplus Superannuation Fund ABN 68 657 495 890, RSE No. R1000054, MySuper No. 68657495890198 (the Fund) which includes Hostplus Pension; and the
  • Hostplus Pooled Superannuation Trust ABN 13 140 019 340 RSE No. R1076257 which includes Hostplus Self-Managed Invest (SMI).

A guide to our relationship with you.

Financial services available to you from Hostplus

We are authorised to issue, apply for, acquire, vary or dispose superannuation products to retail and wholesale clients.

We are also authorised to provide financial product advice for deposit and payment products, limited to basic deposit products, and superannuation.

Hostplus provides the financial services described in this FSG either directly or through an Employee Representative whose authority will be limited to the provision of advice about Hostplus products only. We do not generally provide advice about financial products issued by companies that are not related to us, except to the extent relevant to promote products and services made available to Hostplus members through arrangements with ME Bank ABN 56 070 887 679 AFSL and Australian Credit Licence 229500.

Will you give me advice that is suitable to my personal objectives, needs and financial circumstances?

As a member of Hostplus you may receive General Advice about the Fund. This is advice which is prepared without taking into account your particular objectives, financial situation or needs. General Advice may be provided to you by representatives of Hostplus or Link Advice Pty Limited ABN 36 105 811 836, AFSL 258145 (Link Advice). Any contact with Hostplus staff will be provided by a representative of Hostplus. 

Link Advice

Link Advice is wholly owned by Hostplus' fund administrator, Link Group, and is responsible for the general product advice provided by Link employees in the course of providing general fund administration services to Hostplus members.

Any contact with the Service Centre or emails to will be with a representative of Link Advice. 

Link Advice license both our Superannuation Advice Consultants (who provide advice via Super Adviser) as well as Super Adviser digital advice tool (Super Adviser) (see 'Other services available to you').

In all circumstances, the person from whom you receive general financial product advice will identify whether they are a representative of the Hostplus or Link Advice.

You should consider the appropriateness of the general financial product advice you receive in light of your individual circumstances and obtain and consider a copy of the Product Disclosure Statement before making an investment, insurance or product-related decision. If you require advice beyond the scope of the general financial product advice provided to you by either Hostplus or Link Advice, we will refer you to other services (see ‘Other services available to you’).

Other services available to you as a Hostplus member.

Hostplus provide Hostplus members and prospective members access to personal financial product advice and services.

Hostplus Financial Planners are Authorised Representatives of Industry Fund Services Ltd (ABN 54 007 016 195, AFSL 232514) (IFS) and provide advice under the IFS Australian Financial Services Licence. For information about IFS, IFS Authorised Representatives and the services available, please call 1300 138 848 to obtain a copy of the IFS Financial Services Guide. IFS is responsible for any advice given (or records of advice previously given) to you by its Authorised Representatives. Fees may apply.

Hostplus Superannuation Advice Consultants are Authorised Representatives of Link Advice and facilitate the provision of limited personal advice about Hostplus products to Hostplus members through Super Adviser via the phone; please call 1300 734 007 to obtain a Link Advice Financial Services Guide. Additionally, Hostplus has also engaged Link Advice to provide Hostplus members with access to limited personal advice with respect to Hostplus products only through a digital advice tool called Super Adviser. Link Advice is responsible for any advice obtained through Super Adviser. 

Other documents you may receive.

Product Disclosure Statements

If we have recommended a particular product we will provide you with or make available via our website, a copy of the relevant Product Disclosure Statement (PDS).

The PDS will help you make an informed decision about whether or not to acquire or continue to hold the product. The PDS will contain information about the features, costs, risks and benefits of the financial product.

Design and Distribution Obligations (DDO)

Issuers and distributors of financial products must comply with the design and distribution obligations in Pt 7.8A of the Corporations Act 2001 (Corporations Act) from 5 October 2021. 

This legislation requires financial services product issuers to design products that are appropriate for the consumers in the target market and consistent with their objectives, financial situation, and needs. For a description of the target market, please read the Target Market Determination (TMD), available at

How will I pay for the service?

Product fees

Hostplus charges and receives administration fees for the provision of management and related services of Hostplus products. Investment management fees also apply and vary depending on the underlying investment option(s) your interest in Hostplus is invested in. Other ancillary fees may apply for specific activity-based services which members may request from time to time.

All fees and charges are set out in Hostplus’ PDSs and incorporation by reference (IBR) materials.

Advice fees

The cost of providing general and limited personal advice about Hostplus products and services is included in the administration fees for Hostplus products. There are no additional fees for the provision of general financial or limited personal advice that you may receive from us. Similarly, no fees are payable for referrals made to us.

Fees for other services

Members who choose to engage the services of a Hostplus financial planner will receive a fixed quote before proceeding with personal advice services. This quote will be provided to you once the planner has understood and agreed with your specific requirements. The fee (once approved by you) will be charged on a fee for service basis. A Hostplus financial planner’s hourly rate for providing personal financial advice is $350 (inc. GST).  

Hostplus members can elect to have some or all of the cost of personal financial product advice provided by a Hostplus Financial Planner paid directly from their Hostplus superannuation or pension account where it relates to their interest in a Hostplus product. This option is not available for the Hostplus Self-Managed Invest (SMI) product. Certain conditions apply and Hostplus retains absolute discretion to approve the deductibility of such costs from a member’s Hostplus account.

Please refer to the Hostplus PDS and IBR materials for further information.

How are our representatives paid for providing financial services?

Our representatives are salaried Hostplus employees. Salary increases and any performance bonuses are managed strictly in accordance with the Hostplus’ Enterprise Bargaining Agreement and applicable employment contracts, key performance indicators and performance assessments. Any qualification for a salary increase or participation in any bonus arrangement which may be available to eligible staff, will relate to their overall performance, which may include quality of advice provided to clients.

Any performance bonuses received by our representatives are paid directly by Hostplus and will not affect the level of fees charged to members’ superannuation or pension accounts. 

Link Advice representative remuneration disclosure

No representatives of Link Advice receive any bonuses or other financial incentives for providing general financial product advice. Link Advice representatives may however receive a performance-related bonus based on predetermined individual department and business objectives.

Do any relationships or associations exist that may influence any advice or financial services provided to me?

Under a formal service agreement Hostplus has contracted with IFS to appoint relevant Hostplus Employee Representatives as Authorised Representatives under the IFS’ AFSL.

IFS is a wholly owned subsidiary of Industry Super Holdings Pty Ltd (ISH) of which Hostplus has a shareholding interest. Hostplus pays service fees to IFS for adviser services, including technology, compliance, audit and training for Authorised Representatives and for costs associated with related services IFS may provide. These service costs are met from Hostplus’ administration costs.  

ISH and its subsidiaries1 also provide a range of other services and investment products to Hostplus and other institutional clients. All transactions including income earned and fees charged for the investment management of these portfolios are made on normal commercial terms and at market rates.

ISH is owned by a number of shareholders, many of which are major industry superannuation funds, including Hostplus.

Hostplus similarly invests in Industry Super Property Trust (ISPT). ISPT has been appointed by the Trustee to manage a range of unlisted property trusts on its behalf.

While Hostplus has a commercial interest in the above mentioned entities, all service fees and related transaction costs paid by Hostplus are on normal, commercial, terms and conditions and in accordance with Hostplus’ outsourcing policies. Hostplus is the issuer of Hostplus products. Representatives of Hostplus are employees of Hostplus and may be members of Hostplus products.

Do you keep my personal information?

Protecting your privacy is important to us. Under the Privacy Act we are required to handle your personal information in accordance with a set of principles known as the Australian Privacy Principles (APPs).

Hostplus may collect your personal information in order to provide you with the service described in this Financial Services Guide. If you do not provide this information we may be unable to provide you with advice that is relevant or that may be suitable to you.

We may also collect your information to enable us to identify you, set up your interest in Hostplus, administer your superannuation account on your behalf and respond to any queries or requests you may have regarding your interest in Hostplus.

Hostplus’ Privacy Policy is available at and includes information about overseas disclosure of personal information, how you may access and seek correction of your personal information as well as how you can make a complaint about a breach of your privacy.

Hostplus may need to disclose relevant personal information to external organisations that help us provide our services to you. We limit the information provided to these organisations to what is required to perform the contracted services for Hostplus or to provide products or services to our members. These organisations are also bound by strict contractual and confidentiality arrangements, including IFS, marketing and market research agencies for the purposes of the provision of personal advice and related financial planning services to Hostplus members.

For all privacy related matters please call us on 1300 467 875 email or write to us via Locked Bag 5046, Parramatta NSW 2124.

Does Hostplus have Professional Indemnity Insurance?

Hostplus and LINK Advice maintains Professional Indemnity insurance which covers the conduct of its Employee Representatives, including those who no longer work for Hostplus or LINK Advice but who did at the time of the relevant conduct. We consider this cover is adequate to meet our requirements as a financial services licensee.

How do I get in contact with Hostplus?

All postal enquiries: Locked Bag 5046, Parramatta NSW 2124

For superannuation accounts:

For pension accounts:

What should I do if I have a complaint?

If you have a complaint about the service provided to you, please call or write to us.

For superannuation accounts:

Hostplus Resolution Officer
Locked Bag 5046, Parramatta NSW 2124
Tel: 1300 467 875

For pension accounts:

Hostplus Resolution Officer
Locked Bag 5046, Parramatta NSW 2124
Tel: 1300 348 546

If you are not satisfied with our internal complaints resolution process, or Hostplus has not responded within 45 days for superannuation matters, 90 days for complaints relating to the distribution of a superannuation death benefit, 45 days for non-superannuation matters, or 30 days for privacy related complaints, you have the right to take your complaint to the following bodies:

The Australian Financial Complaints Authority (AFCA) provides fair and independent financial services complaint resolution to Hostplus members and their beneficiaries at no additional cost.

Telephone: 1800 931 678
In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001.

Although you are able to refer the matter to AFCA at any time, they will not usually deal with your complaint until it has been through Hostplus’ complaints handling process.

Please note that there are certain criteria and time limits as to when a complaint can be lodged with AFCA.

 In relation to personal information held:

Office of the Australian Information Commissioner (OAIC)
GPO Box 5218
Tel: 1300 363 992

You can also contact the Australian Securities and Investment Commission (ASIC) on 1300 300 630 to find out which complaints scheme may be available to assist you in settling your complaint. The above services are available at no extra cost to you.

Download our Financial Services Guide as a PDF


Hostplus has engaged Link Advice Pty Ltd ABN 36 105 811 836, AFSL 258145 to provide factual and general financial product advice about Hostplus superannuation products only. Hostplus has also engaged Link Advice to provide Limited Advice via their web-based product Supe BluePrint (Advice Provider). Hostplus will collect personal information from you to provide you with limited financial advice. This information includes your personal financial details, gender, occupation, salary and spouse/dependent details. If you do not provide this personal information, we may be unable to provide you with the advice requested, or the advice may not be appropriate for your circumstances. Hostplus only discloses your personal information to internal staff members, the providers of the Super Adviser Tool being Link Advice Pty Ltd ABN 36 105 811 836, AFSL 258145 and Toowards Pty Ltd ABN 23 074 054 998 or an Authorised Representative from Industry Fund Services ABN 54 007 016 195, AFSL 232514 where you have agreed for further contact to be made. The Hostplus Privacy Policy provides information about how you may access and seek correction of your personal information as well as how you can make a complaint about a breach of the Australian Privacy Principles. You can access the Hostplus Privacy Policy at
1Industry Funds Credit Control, IFS Insurance Broking Pty Ltd, Industry Fund Financial Planning Services and Industry Funds Management Limited are wholly owned subsidiaries of ISH.
Issued by Host Plus Pty Limited ABN 79 008 634 704, AFSL 244392 as trustee for the Hostplus Superannuation Fund ABN 68 657 495 890, MySuper No. 6865495890198 and as trustee for the Hostplus Pooled Superannuation Trust (PST) ABN 13 140 019 340. INH0663 0321


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