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.
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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.
-
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.
Nominate
a beneficiary
Nominating a beneficiary means the trustee understands who you want your super or pension benefit to go to after you die. Here are some things you need to know.
Why nominate a beneficiary?
You’ve worked hard to build a nest egg. But what happens to your money when you die?
Nominating a beneficiary gives you a say in who’ll receive your super or pension, providing you with peace of mind that you’re continuing to look after your loved ones. If you haven’t nominated a beneficiary, or if you make a non-binding nomination, we’ll recognise your nomination but we will still have discretion to decide who receives you’re your super and/or insurance payout after you die.
It’s also important to check your nominated beneficiaries from time to time to make sure they still reflect what’s happening in your life. Have you found a new partner or had a child? Or has an important relationship ended? If so, it may be time to think about updating your beneficiaries.
Who can you
nominate?
For binding and non-binding nominations, you can nominate as many beneficiaries as you’d like.
You can only nominate one beneficiary as a reversionary nomination, and they must be either a partner or spouse, a child (as long as they’re under 25 years of age and financially dependent on you, or they have a permanent disability), a financial dependant, or an interdependent person. You can’t nominate your legal personal representative.
When a member dies, the benefit must be paid to:
Dependant(s) of the member and/or their Legal Personal Representative
Upon the death of a member who had no Dependants, the Trustee shall pay the benefit to the Legal Personal Representative of the Member, or if there is no Legal Personal Representative may pay the benefit in such manner as permitted by Relevant Law.
Under superannuation law, a dependant includes:
- the spouse of the member
- the child of the member
- a person who, is wholly or partially financially dependent on the member, or
- any other person with whom the member had an interdependent relationship
A non-binding nomination allows you to state who you’d prefer your super or insurance to be paid to, but it’s not legally binding. While we’ll take your nomination into account when we identify beneficiaries, we’ll also consider factors such as your relationship with potential beneficiaries and any financial dependants. As a result, we’re not required to follow a non-binding nomination.
Binding nominations need to fall into one of these categories:
- Your legal personal representative, who’s either the executor named in your will or a person appointed as the administrator of your estate.
- Your partner or spouse.
- Your child.
- A financial dependant, which means they wholly or partially rely on you financially.
- An interdependent person, which means you share a close personal relationship with someone and live together, one or both of you provides the other with financial support, and one or both of you provides the other with domestic support or personal care.
Types of
beneficiary nominations
There are a few different options when it comes to beneficiary nominations, each with different requirements and restrictions.
Binding nomination
A binding nomination requires Hostplus to pay your remaining super or insurance benefit to the person, or people, that you’ve nominated. It requires a bit more paperwork, and you’ll need two witnesses who aren’t nominated beneficiaries to sign your form, but it gives you greater certainty.
This type of nomination is valid for three years from the date your form is signed. A valid beneficiary can be your spouse, your child (of any age), a dependant, or your legal personal representative.
Non-binding nomination
A non-binding nomination allows you to state who you’d prefer your super or insurance to be paid to, but it’s not legally binding. While we’ll take your nomination into account when we identify beneficiaries, we’ll also consider factors such as your relationship with potential beneficiaries and any financial dependants. As a result, we’re not required to follow a non-binding nomination.
Reversionary nomination
When you open a Hostplus Pension account, you can make a reversionary nomination. This allows you to nominate someone who’ll receive ongoing pension payments from your account after you pass away.
You can only select one beneficiary, and they must be your dependant. In addition, you can only nominate a reversionary beneficiary when you open a pension account - if you want to change your nomination, you’ll need to close your account and open a new one.
Make a binding nomination
To make sure your binding nomination is valid, there are a few steps you need to follow:
- Download and complete the Binding Death Benefit Nomination form, making sure that the nominated proportions of the benefit add up to 100%.
- Sign the form and have it witnessed at the same time by two people who aren’t named as beneficiaries. It’s essential that your form is witnessed correctly, otherwise your nomination may be rejected.
- Send your completed form to:
Hostplus
Locked Bag 5046
Parramatta NSW 2124
Make a non-binding nomination
To make or change a non-binding nomination:
- Log in to Member Online.
- Click the arrow next to ‘My profile’ at the top of the screen and go to ‘My beneficiaries’.
- Click ‘Edit or add your non-binding beneficiaries’.
- Add as many non-binding beneficiaries as you like, making sure the nominated proportions of the benefit add up to 100%.
Get expert advice
Nominating a beneficiary is a big decision that can have legal, financial and tax implications – so you may want to consider getting advice from a lawyer or licensed financial adviser.
Our expert financial planners can help you understand your options and plan for a positive future.
Hostplus has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of personal financial advice to members of Hostplus. Advice is provided by Hostplus financial planners who are Authorised Representatives of IFS. Fees may apply for personal financial advice; for further information about the cost of personal advice, you can speak with your Hostplus financial planner or visit our website hostplus.com.au. Information to help you decide whether you want to use personal financial advice services being offered is set out in the relevant IFS Financial Services Guide, a copy of which is available from your Hostplus financial planner.
