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Hostplus

We’re your employer’s new default superannuation partner.

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As one of Australia’s largest and top-performing super funds over the long term1, we have over 30 years of experience, and Hostplus understands super. Most importantly, we understand that our role is to support you in meeting your retirement goals.

We’re excited to partner with your employer, and to provide you with access to our products and services. 

Features and
benefits of Hostplus

We’ve outlined some of the benefits of being with Hostplus Executive below:

  • Committed support for our members with tailored education delivered in a manner convenient to you including videos, workplace sessions, webinars, insurance calculators and retirement projection calculators

  • A history of strong long-term investment returns1, combined with one of the lowest administration fees when compared to other funds2.

  • A market-leading default investment option and wide range of additional investment options1.  

  • Access to digital tools including the Hostplus Member Online portal and mobile app4 to make managing your super easier. 

  • Access to simple advice services at no additional cost to members, such as personal advice related to your Hostplus account through our Superannuation Adviser team. 

  • Access to Comprehensive advice through Hostplus’ dedicated financial planners to help you get the most from your super. 

Read our Product Disclosure Statement (PDS) for more information about the benefits, costs and risks of a Hostplus Executive account. For a description of the target market, please read the Target Market Determination (TMD). The PDS and TMD are available at hostplus.com.au.  

What this
means for you.

Your choice of super fund is important and can have an impact on your overall retirement outcome. The options available to you are: 

Option 1 – Stay with your current fund

If you would like to remain with your current fund, download and complete the ATO standard choice form and return it by email to your employer before your employer’s effective transition date, which you can find in the email your employer sent you. If you do not nominate a chosen fund by the transition date, you will automatically become a Hostplus Executive member, and your employer will pay future contributions into your new Hostplus Executive account.

Option 2 – Choose Hostplus Executive

To join Hostplus, you do not need to do anything. A Hostplus Executive account will be automatically created for you, and your employer will pay all future super contributions to your new Hostplus Executive account.

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You can at any time choose another fund by downloading and completing the ATO standard choice form

If you’re an existing
Hostplus member

As an existing Hostplus member, you can choose to opt in to your employer’s Executive arrangement with Hostplus. If you opt in to the new arrangements you’ll continue to enjoy the same level of performance and service you’ve come to expect.

Further information

and FAQs

To help you make an informed choice, we’ve developed the below frequently asked questions.

Following a comprehensive review of superannuation arrangements, your employer has chosen Hostplus to be their default superannuation provider.

This means you will automatically join Hostplus Executive as part of your employer’s super arrangements, unless you complete and return a choice form and return it to your employer which nominates a different fund. 

The key dates are outlined in the communication you would’ve received from your employer. 

In general, your employer must pay a percentage of your salary into your super account. This is what’s known as the Superannuation Guarantee (SG).   

If you do not return a choice form to your employer prior to your employer’s effective transition date, you will automatically become a Hostplus member and a Hostplus Executive account will be created for you. Your future employer SG contributions will be paid into your new Hostplus Executive account. 

Note: You will remain a  member of your employer’s current Default Fund unless you rollout your super to another fund. While your existing super account remains open, you may also be subjected to account erosion on the basis that administration, investment and insurance fees and costs may continue to be deducted.

Any existing super accounts you have won’t automatically transfer to Hostplus.  

There’s a lot to consider when thinking about whether consolidation is right for you. Before consolidating3, compare the fees, performance and other features of each fund and check whether you’ll lose any benefits or be charged a fee for closing an account. Importantly, if you do close an account, you’ll lose any insurance attached to that account.

You may find it beneficial to obtain advice from a licensed financial adviser before consolidating. 

If you would like to transfer your insurance cover, it’s important to know that along with consolidation, this won’t happen automatically. You will have the option to apply for an insurance transfer once your Hostplus Executive account is activated. Find out if you are eligible to transfer insurance from an existing super fund.  

Keep an eye on your inbox as we will send you a series of important emails to help you make the most of your new account. This includes the options to consolidate any existing super accounts into your new Hostplus account, should you decide this is in your best interests.

Right now, your most valuable assets are your health, family, and your income-earning potential. Protecting these against the unexpected can give you peace of mind.

That’s why at Hostplus we offer eligible members automatic insurance with options to tailor cover. With insurance premiums deducted from your super account, insurance cover will continue as long as there are sufficient funds to pay the premiums and eligibility is still met. 

Automatic Insurance  

If your employer has special insurance arrangements with Hostplus on behalf of its employees, you’ll be advised of the type and level of  cover in your welcome letter from Hostplus, or recent communication from your employer.

Employer Funded arrangements

If your employer is paying for some or all of the default insurance arrangement as part of their Hostplus Executive plan, the premiums will be reimbursed by your employer by way of making additional employer contributions to your account.

Any additional insurance cover will be funded by you.

Automatic Death and Total & Permanent Disability (TPD) insurance  

Under Putting Members Interests First (PMIF) Government legislation, Hostplus can only provide automatic Death & TPD  insurance cover when you first meet the following criteria (subject to eligibility requirements):  

  • you’re aged at least 25 years, and  
  • your Hostplus Executive account balance first reaches at least $6,000.  

If you don’t meet these criteria, you can also opt-in to automatic insurance cover, subject to terms, conditions, and eligibility requirements.  However, the PMIF insurance rules referred to above do not apply where an employer makes contributions to cover the full cost of a member’s insurance premiums (Employer-Sponsor Contribution Exception).

For more details, visit hostplus.com.au/insurance.  

 

 

Hostplus insurance cover is provided by MetLife Insurance Limited (MetLife) ABN 75 004 274 882, AFSL 238096 (insurer). Insurance cover is subject to eligibility criteria and any other conditions which may be imposed from time to time pursuant to the relevant current policy. 

Everyone is different. To find the right insurance – and the right level of cover – you’ll need to think about your financial situation, needs and objectives, including your budget.  

You can use our online insurance calculator to help you work out how much (if any) insurance cover you need. 

This calculator is to be used as a guide only. It can assist you in determining the amount of cover that may be appropriate for you. The calculator does not take all of your needs, objectives or your complete financial situation into account. It also does not make any allowance for your particular tax circumstances or for the taxation of insurance benefits, either inside or outside of superannuation. Generally, death and TPD insurance benefits will be taxed at a lower rate than the income they are replacing. No allowance has been made for any social security benefits to which you may be or become entitled to. 

This calculator is not intended to be relied on for making insurance or superannuation related decisions. It is not to be considered personal advice. You should consider obtaining advice from a licensed financial adviser before making any financial decisions. In addition, you should reassess your insurance needs regularly as your circumstances and the cost of your cover may change. You should also ensure that you will be able to pay the premiums from your superannuation account balance. Consideration should be given to the impact insurance premiums will have on your future overall retirement balance.

Hostplus and MetLife do not accept any liability for any loss, whether direct or indirect, resulting in any way from your use of this calculator. Use of this calculator does not represent an offer of cover. Any offer of cover is subject to an assessment of your insurability. To enable MetLife to assess your insurability we require a fully completed personal statement, insurance application together with any other information we consider necessary. MetLife relies on the information that you disclose and information obtained during the assessment process to determine if it will accept your cover and on what terms. 

The level of insurance cover, premiums and terms and conditions can differ between funds. If the level of cover was greater at your previous fund and you wish to maintain this cover through Hostplus, you can choose to transfer your insurance cover or apply for additional cover once your Hostplus account is set up. 

Yes. We offer a range of solutions so you can tailor your insurance cover to suit your personal circumstances.  

  • You can cancel, reduce or apply to increase your insurance at any time. 
  • You can apply for Income Protection cover at any time, if not provided automatically.   
  • You can check your occupational rating at any time as you may be eligible for a lower-risk rating, which in turn may reduce your premiums. 
  • We offer specific life events cover to help you have the right insurance in place as your life changes.  
  • You may be able to transfer your insurance from another super fund or retail insurance policy.  
  • You can apply for premium-free cover for up to 12 months while taking employer-approved parental leave as long as you aren’t self-employed. 

To help you make an informed choice, your employer has arranged for us to run information sessions. Details will be provided by your employer. 

During each session, the Hostplus team will explain the transition to Hostplus and answer questions you may have.

Alternatively, you can find out more about what Hostplus has to offer or obtain a copy of our Product Disclosure Statement and Target Market Determination (TMD) on our website.  

1. According to the SuperRatings Accumulation Fund Crediting Rate Survey – SR50 Balanced (60-76) Index, March 2023. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.

2. Other fees and costs apply. Refer to the PDS for more information.

3. Before consolidating your super, you should check with your existing super fund on whether there are any fees or charges that may apply or any loss of benefits, such as insurance cover. If you have insurance cover with another super fund, you may be able to transfer that cover to Hostplus. To find out if you are eligible visit hostplus.com.au/insurance to learn more. You may also find it beneficial to obtain advice from a licensed financial adviser.

4. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC.