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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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.
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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.
-
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.
-
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.
CPI + 2.5%
More certainty over your returns in retirement.
With an average return of 7.58% over the last 3 years1, CPIplus aims to provide retirees a better return than cash or term-deposits with the confidence of staying ahead of inflation.
- Low-risk Pension investment option
- Returns above inflation set in advance for the year
- Full control to access funds and switch in and out when needed
If you would like to speak with someone about CPIplus, simply fill in a few details and we’ll get in touch with you.
Introducing CPIplus
CPIplus is an investment option exclusively available to those Hostplus members who are eligible for a pension account.2 The pension option is designed to give retirees greater peace of mind and more certainty over their investment returns.
The low-risk pension investment option aims to deliver a predetermined return above the consumer price index (CPI) each year. CPIplus also offers the flexibility to access your funds anytime, switch in and out of the option, or invest some or all of your pension.3
More certainty over you returns in retirement. That’s a plus.
2. To open a Hostplus Pension account, a minimum of $10,000 must be invested and at least 1% of your balance must be invested in any selected investment option (including CPIplus).
3. 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.
CPIplus Benefits
Peace of mind
CPIplus aims to deliver more certain and less volatile returns than growth assets like shares while seeking to offer generally higher returns than conservative assets like cash.
Returns above inflation
Innovatively designed to provide consistent annual returns above inflation.
Returns for 1 July 2024 to 30 June 2025 set at CPI + 2.5%.*
Safety net
We’ve set a lower limit for returns, which is zero percent. In other words, returns won’t be lower than zero.
Investing $10,000 in CPIplus compared to Cash and Australian Shares options in the pension phase
The graph illustrates the investment return outcomes of a $10,000 investment in the selected pension phase investment options, after accounting for investment fees and costs. It is designed to illustrate the reduction in volatility and stability of returns that an investment in the CPIplus option aims to achieve.
Information used in this illustration is correct as at 30 June 2024.
In considering this graph, it’s important to note that this information is general advice only, past performance is not a reliable indicator of future performance, and that the return outcomes shown may not be repeated in future years. It’s also important to consider your personal circumstances, which haven’t been accounted for in this information, before making a decision about Hostplus.
What our members are saying about CPIplus
"Last year, upon retiring, I set up my Hostplus Pension account with advice from my Hostplus Financial Planner. As my super and Age Pension are now my primary sources of income, avoiding big risks is important to me. My adviser explained that allocating a portion of my pension to the CPIplus option could provide a steady income with less worry, while allowing my other investments room to grow. Following this advice, we allocated 15% of my pension to the CPIplus option, with the remainder invested in the Balanced and Conservative Balanced options. This strategy aims to support my retirement needs by balancing income stability with the potential for growth."
Lorraine
Hostplus member
How to apply
for CPIplus
New to Hostplus?
To invest in CPIplus, you’ll need to open a Hostplus Pension account which requires a minimum of $10,000. Learn more
Have a question? Talk to us today.
Call us on 1300 348 546, 8am - 8pm (AEST/AEDT), Monday to Friday. Or contact us through email, post or online chat.
Make an
informed choice
1. Average return from 1 July 2021 to 30 June 2024. Past performance is not an indication of future returns.
2. To open a Hostplus Pension account, a minimum of $10,000 must be invested and at least 1% of your balance must be invested in any selected investment option (including CPIplus).
3. 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.