Join

Our products and services

Learning Hub

Icon depicting a shield

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.

Read now

Manage your super

Retirement

CPI + 2.5%

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.

Learn more

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.

Forms and resources

Icon depicting a shield

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.

Read now

Why choose Hostplus

Canstar: 2018 - 2015 Outstanding Value Superannuation

Hostplus Outstanding Value Super

8 years in a row

We’re proud to have won Canstar’s Outstanding Value Super Award for the eighth year in a row. The award recognises our strong long-term performance, competitive fees and an array of product features. 

Find out more

Your responsibilities

Canstar: 2018 - 2015 Outstanding Value Superannuation

Hostplus Outstanding Value Super

8 years in a row

We’re proud to have won Canstar’s Outstanding Value Super Award for the eighth year in a row. The award recognises our strong long-term performance, competitive fees and an array of product features. 

Find out more

How to make payments

Tools and resources

Why Hostplus

CPI + 2.5%

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.

Learn more

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

CPI + 2.5%

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.

Learn more

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.

Tools and resources

News and insights

Investment options

Pricing and performance

News, resources & insights

Our company

Careers

Join
  1. Home
  2. Members
  3. Our products and services
  4. Your investment options
  5. Compare investment options

Compare
Super
investment
options

Choosing the right investment option is important. It's your money, after all. Our wide range of investment options allows you to invest based on your own preferences and risk appetite.

You can choose to leave the investment decisions to us or take a more hands-on approach to making an investment choice.

canva-office-colleagues-executive-collaboration

MySuper

The government defines MySuper as a simple, cost-effective, balanced superannuation product designed for members who want to leave the investment decisions to their superannuation fund.

If you don’t make any investment choice, your super will be invested in our MySuper investment option.

Hostplus MySuper option

The Balanced option is our MySuper investment option, and over a million Hostplus members are invested in this option. It’s an award-winning investment option¹ and a top performer over the long term.²

Learn more
Hostplus awards

Investment
Options

If you’d like more control over your super, you can choose+ from our diversified options, our sector options, our direct investment option, Choiceplus, or our Lifecycle option.

You can also mix and match different options to suit your investment risk profile and financial objectives.

Read our Investment Guide for your product, for more information about the terms we use to describe these options.

15 options

  • What are Diversified options?

    Our diversified options invest in combinations of asset classes. They have varying levels of investment risk and focus on three different investment styles and themes:

    Our Signature diversified investment options focus on delivering the best net return for a given level of risk. These options take full advantage of Hostplus’ investment expertise and feature our best investment ideas across listed and unlisted assets, bonds and cash.

    Our Indexed diversified investment options focus on minimising investment fees and costs. These options generally use a passive investment style to invest in listed companies, bonds, and cash, and aim to track the returns of the markets in which they invest.

    Our Socially Responsible Investment (SRI) options focus on investing in a manner that may align with your personal values. These options seek to reduce exposure to industry segments within fossil fuels and tobacco production, as well as other factors.

  • High Growth

    • Signature
    The High Growth investment option is focused on delivering the best net return from investing in a portfolio of all growth assets.
    Who is this investment suitable for?
    With all growth assets, this signature investment option is designed for members with a long-term investment timeframe, who are seeking very strong long-term returns and have a high tolerance of negative returns.
    More details
    Investment time frame
    10 years +
    Level of investment risk
    High
    Likelihood of negative returns
    Negative returns expected in between 4 to less than 6 out of every 20 years
    Growth/ defensive allocation
    100% growth / 0% defensive
    Total investment fees and costs*
    0.73% p.a.
    Return target
    CPI + 4.5% p.a. over 20 years
    Net return^

    -

    Investment details

  • Growth

    • Signature
    • Previously known as Shares Plus
    The Growth investment option is focused on delivering the best net return from investing in a portfolio that has a strong bias to growth assets.
    Who is this investment suitable for?
    With a strong bias to growth assets, this Signature investment option is designed for members with a medium to long-term investment timeframe, who are seeking very strong long-term returns and have a medium to high tolerance of negative returns.
    More details
    Investment time frame
    5 years +
    Level of investment risk
    Medium to high
    Likelihood of negative returns
    Negative returns expected in between 3 to less than 4 out of every 20 years
    Growth/ defensive allocation
    90% growth / 10% defensive
    Total investment fees and costs*
    0.91% p.a.
    Return target
    CPI + 4.5% p.a. over 20 years
    Net return^

    8.86%

    Investment details

  • Balanced

    • Signature
    • MySuper
    The Balanced investment option is focused on delivering the best net return from investing in a portfolio that has a bias to growth assets.
    Who is this investment suitable for?
    With a bias to growth assets, this Signature investment option is designed for members with a medium to long-term investment timeframe, who are seeking strong long-term returns and have a medium to high tolerance of negative returns. This option is also designed for members who do not wish to make an investment choice.
    More details
    Investment time frame
    5 years +
    Level of investment risk
    Medium to high
    Likelihood of negative returns
    Negative returns expected in between 3 to less than 4 out of every 20 years
    Growth/ defensive allocation
    76% growth / 24% defensive
    Total investment fees and costs*
    1.07% p.a.
    Return target
    CPI + 4% p.a. over 20 years
    Net return^

    7.81%

    Investment details

  • Conservative

    • Signature
    The Conservative investment option is focused on delivering the best net return from investing in a portfolio that has a similar proportion of growth and defensive assets.
    Who is this investment suitable for?
    With a similar proportion of growth and defensive assets, this signature investment option is designed for members with a medium to long-term investment timeframe, who are seeking moderate long-term returns and have a medium tolerance of negative returns.
    More details
    Investment time frame
    5 years +
    Level of investment risk
    Medium
    Likelihood of negative returns
    Negative returns expected in between 2 to less than 3 out of every 20 years
    Growth/ defensive allocation
    58% growth / 42% defensive
    Total investment fees and costs*
    0.88% p.a.
    Return target
    CPI + 3.0% p.a. over 20 years
    Net return^

    5.99%

    Investment details

  • Stable

    • Signature
    The Stable investment option is focused on delivering the best net return from investing in a portfolio that has a bias to defensive assets.
    Who is this investment suitable for?
    With a bias to defensive assets, this Signature investment option is designed for members with a medium to long-term investment timeframe, who are seeking modest long-term returns and have a low to medium tolerance of negative returns.
    More details
    Investment time frame
    5 years +
    Level of investment risk
    Low to medium
    Likelihood of negative returns
    Negative returns expected in between 1 to less than 2 out of every 20 years
    Growth/ defensive allocation
    38% growth / 62% defensive
    Total investment fees and costs*
    0.79% p.a.
    Return target
    CPI + 2.0% p.a. over 20 years
    Net return^

    4.16%

    Investment details

  • Defensive

    • Signature
    The Defensive investment option is focused on delivering the best net return from investing in a portfolio that has a strong bias to defensive assets.
    Who is this investment suitable for?
    With a strong bias to defensive assets, this Signature investment option is designed for members with a short-term investment timeframe, who are seeking stable returns and have a low tolerance of negative returns.
    More details
    Investment time frame
    2 years +
    Level of investment risk
    Low
    Likelihood of negative returns
    Negative returns expected in between 0.5 to less than 1 out of every 20 years
    Growth/ defensive allocation
    18% growth / 82% defensive
    Total investment fees and costs*
    0.31%
    Return target
    CPI + 1.0% p.a. over 20 years
    Net return^

    -

    Investment details

  • Indexed High Growth

    • Indexed
    The Indexed High Growth investment option is focused on minimising investment fees and costs from investing in a portfolio of all growth assets.
    Who is this investment suitable for?
    With all growth assets, this Indexed diversified investment option is designed for members with a long-term investment timeframe, who are seeking moderate long-term returns and have a high tolerance of negative returns.
    More details
    Investment time frame
    7 years +
    Level of investment risk
    High
    Likelihood of negative returns
    Negative returns expected in between 4 to less than 6 out of every 20 years
    Growth/ defensive allocation
    100% growth / 0% defensive
    Total investment fees and costs*
    0.04%
    Return target
    CPI + 3.0% p.a. over 20 years.
    Net return^

    -

    Investment details

  • Indexed Growth

    • Indexed
    • Introduced 1 October 2024
    The Indexed Growth investment option is focused on minimising investment fees and costs from investing in a portfolio that has a strong bias to growth assets.
    Who is this investment suitable for?
    With a strong bias to growth assets, this Indexed diversified investment option is designed for members with a long-term investment time frame, who are seeking moderate long-term returns and have a high tolerance of negative returns.
    More details
    Investment time frame
    7 years +
    Level of investment risk
    High
    Likelihood of negative returns
    Negative returns expected in between 4 to less than 6 out of every 20 years
    Growth/ defensive allocation
    90% growth / 10% defensive
    Total investment fees and costs*
    0.02% p.a.
    Return target
    CPI plus 2.5% p.a over 20 years
    Net return^

    Investment details

  • Indexed Balanced

    • Indexed
    The Indexed Balanced investment option is focused on minimising investment fees and costs from investing in a portfolio that has a bias to growth assets.
    Who is this investment suitable for?
    With a bias to growth assets, this Indexed diversified investment option is designed for members with a medium to long-term investment timeframe, who are seeking moderate long-term returns and have a high tolerance of negative returns.
    More details
    Investment time frame
    5 years +
    Level of investment risk
    High
    Likelihood of negative returns
    Negative returns expected in between 4 to less than 6 out of every 20 years
    Growth/ defensive allocation
    75% growth / 25% defensive
    Total investment fees and costs*
    0.04% p.a.
    Return target
    CPI + 2.5% p.a. over 20 years
    Net return^

    8.23%

    Investment details

  • Indexed Conservative

    • Indexed
    • Introduced 1 October 2024
    The Indexed Conservative investment option is focused on minimising investment fees and costs from investing in a portfolio that has a similar proportion of growth and defensive assets.
    Who is this investment suitable for?
    With a similar proportion of growth and defensive assets, this Indexed diversified investment option is designed for members with a medium to long-term investment time frame, who are seeking modest long-term returns and have a medium to high tolerance of negative returns.
    More details
    Investment time frame
    5 years +
    Level of investment risk
    Medium to high
    Likelihood of negative returns
    Negative returns expected in between 3 to less than 4 out of every 20 years
    Growth/ defensive allocation
    55% growth / 45% defensive
    Total investment fees and costs*
    0.05% p.a.
    Return target
    CPI plus 2.0% p.a over 20 years
    Net return^

    Investment details

  • Indexed Stable

    • Indexed
    • Introduced 1 October 2024
    The Indexed Stable investment option is focused on minimising investment fees and costs from investing in a portfolio that has a bias to defensive assets.
    Who is this investment suitable for?
    With a bias to defensive assets, this indexed diversified investment option is designed for members with a medium to long-term investment time frame, who are seeking modest long-term returns and have a medium tolerance of negative returns.
    More details
    Investment time frame
    5 years +
    Level of investment risk
    Medium
    Likelihood of negative returns
    Negative returns expected in between 2 to less than 3 out of every 20 years
    Growth/ defensive allocation
    37% growth / 63% defensive
    Total investment fees and costs*
    0.06% p.a.
    Return target
    CPI plus 1.5% p.a over 20 years
    Net return^

    Investment details

  • Indexed Defensive

    • Indexed
    The Indexed Defensive investment option is focused on minimising investment fees and costs from investing in a portfolio that has a strong bias to defensive assets.
    Who is this investment suitable for?
    With a strong bias to defensive assets, this Indexed diversified investment option is designed for members with a medium-to-long-term investment timeframe, who are seeking stable returns and have a low to medium tolerance of negative returns.
    More details
    Investment time frame
    5 years +
    Level of investment risk
    Low to medium
    Likelihood of negative returns
    Negative returns expected in between 1 to less than 2 out of every 20 years
    Growth/ defensive allocation
    19% growth / 81% defensive
    Total investment fees and costs*
    0.07%
    Return target
    CPI + 1.0% p.a. over 20 years
    Net return^

    -

    Investment details

  • Socially Responsible Investment (SRI) – High Growth

    • Socially Responsible
    The Socially Responsible Investment (SRI) - High Growth investment option is focused on investing in a manner that may align with your personal values from investing in a portfolio of all growth assets.
    Who is this investment suitable for?
    With all growth assets, this Socially Responsible Investment diversified option is designed for members with a long-term investment timeframe, who are seeking strong long-term returns and have a high tolerance of negative returns.
    More details
    Investment time frame
    7 years +
    Level of investment risk
    High
    Likelihood of negative returns
    Negative returns expected in between 4 to less than 6 out of every 20 years
    Growth/ defensive allocation
    100% growth / 0% defensive
    Total investment fees and costs*
    0.73%
    Return target
    CPI + 3.5% p.a. over 20 years
    Net return^

    -

    Investment details

  • Socially Responsible Investment (SRI) – Balanced

    • Socially Responsible
    The Socially Responsible Investment (SRI) - Balanced investment option is focused on investing in a manner that may align with your personal values from investing in a portfolio with a bias to growth assets.
    Who is this investment suitable for?
    With a bias to growth assets, this Socially Responsible Investment diversified option is designed for members with a medium to long-term investment timeframe, who are seeking moderate long-term returns and have a medium to high tolerance of negative returns.
    More details
    Investment time frame
    5 years +
    Level of investment risk
    Medium to high
    Likelihood of negative returns
    Negative returns expected in between 3 to less than 4 out of every 20 years
    Growth/ defensive allocation
    73% growth / 27% defensive
    Total investment fees and costs*
    0.78% p.a.
    Return target
    CPI + 3% p.a. over 20 years
    Net return^

    7.82%

    Investment details

  • Socially Responsible Investment (SRI) – Defensive

    • Socially Responsible
    The Socially Responsible Investment (SRI) - Defensive investment option is focused on investing in a manner that may align with your personal values from investing in a portfolio with a strong bias to defensive assets.
    Who is this investment suitable for?
    With a strong bias to defensive assets, this Socially Responsible Investment diversified option is designed for members with a medium to long-term investment timeframe, who are seeking stable returns and have a low tolerance of negative returns.
    More details
    Investment time frame
    5 years +
    Level of investment risk
    Low
    Likelihood of negative returns
    Negative returns expected in between 0.5 to less than 1 out of every 20 years
    Growth/ defensive allocation
    19% growth / 81% defensive
    Total investment fees and costs*
    0.12%
    Return target
    CPI + 1.0% p.a. over 20 years
    Net return^

    -

    Investment details

What is the Lifecycle investment option?

With Lifecycle+ investment option, your super is automatically invested in an option to match your life stage. This investment option aims to grow your super when you are younger, and can take on more risk, and lower your exposure to risk as you near retirement.  When you are younger, your super is invested in higher-growth options to help grow your balance faster. As you approach retirement, your balance is moved to a lower-risk option to help protect what you’ve built.

The Lifecycle option uses three life-stages to achieve this: grow, maintain and protect 

Learn more
Lifecycle infographic

GROW

(for members aged under 50)

The focus of this life-stage is to build your balance faster by investing in an option with higher allocation to growth assets such as shares. Members in this stage will be invested in the Growth option.

MAINTAIN

(for members aged 50 to 59)

The focus of this life-stage is to balance growth and stability as you continue to build your balance. Members in this stage will be invested in the Balanced option.

PROTECT

(for members aged 60 and over)

The focus of this life-stage is to lower your risk to protect your balance so you can enjoy retirement. Members in this stage will be invested in the Conservative option. 

Your balance will be automatically switched into a signature option for the next life-stage when you turn 50 and 60.

Refer to the Investment Guide for important information on investing in this option.

7 options

  • What are sector options?

    The sector investment options invest only in a specific asset class, such as Cash or Australian Shares, and have varying investment styles.

  • Australian Shares

    The Australian Shares investment option is focused on delivering the best net return in a single sector from investing in a portfolio of all growth assets (typically companies listed predominantly on the Australian Securities Exchange).
    Who is this investment suitable for?
    With all growth assets, this sector investment option is designed for members with a long-term investment timeframe, who are seeking strong long-term returns and have a high tolerance of negative returns.
    More details
    Investment time frame
    7 years +
    Level of investment risk
    High
    Likelihood of negative returns
    Negative returns expected in between 4 to less than 6 out of every 20 years
    Growth/ defensive allocation
    100% growth / 0% defensive
    Total investment fees and costs*
    0.52% p.a.
    Return target
    CPI + 4.0% p.a. over 20 years
    Net return^

    8.91%

    Investment details

  • Australian Shares – Indexed

    • Introduced on 18 March 2022
    The Australian Shares – Indexed investment option is focused on minimising investment fees and costs in a single sector from investing in a portfolio of all growth assets (typically companies listed predominantly on the Australian Securities Exchange).
    Who is this investment suitable for?
    With all growth assets, this single investment option is designed for members with a medium to long-term investment timeframe, who are seeking moderate long term returns and have a high tolerance of negative returns.
    More details
    Investment time frame
    5 years +
    Level of investment risk
    High 
    Likelihood of negative returns
    Negative returns expected in between 4 to less than 6 out of every 20 years
    Growth/ defensive allocation
    100% growth / 0% defensive
    Total investment fees and costs*
    0.02% p.a.
    Return target
    CPI + 3.0% p.a. over 20 years
    Net return^

    -

    Investment details

  • International Shares

    The International Shares investment option is focused on delivering the best net return in a single sector from investing in a portfolio of all growth assets (typically companies listed on international securities exchanges, including developed and emerging markets, and may include some unlisted assets).
    Who is this investment suitable for?
    With all growth assets, this sector investment option is designed for members with a medium to long-term investment timeframe, who are seeking strong long-term returns, have a high tolerance of negative returns and can accept the impacts of foreign currency movements.
    More details
    Investment time frame
    5 years +
    Level of investment risk
    High
    Likelihood of negative returns
    Negative returns expected in between 4 to less than 6 out of every 20 years
    Growth/ defensive allocation
    100% growth / 0% defensive
    Total investment fees and costs*
    0.46% p.a.
    Return target
    CPI + 3.5% p.a. over 20 years
    Net return^

    9.98%

    Investment details

  • International Shares – Indexed

    The International Shares – Indexed investment option is focused on minimising investment fees and costs in a single sector from investing in a portfolio of all growth assets (typically companies listed on international securities exchanges in developed markets).
    Who is this investment suitable for?
    With all growth assets, this sector investment option is designed for members with a medium to long-term investment time frame, who are seeking modest long-term returns, have a high tolerance of negative returns and can accept the impacts of foreign currency movements.
    More details
    Investment time frame
    5 years +
    Level of investment risk
    High
    Likelihood of negative returns
    Negative returns expected in between 4 to less than 6 out of every 20 years
    Growth/ defensive allocation
    100% growth / 0% defensive   
    Total investment fees and costs*
    0.07% p.a.
    Return target
    CPI + 2.0% p.a. over 20 years
    Net return^

    12.28%

    Investment details

  • Bonds

    The Bonds investment option is focused on delivering the best net return in a single sector from investing in a portfolio of all defensive assets (Australian and international government bonds and other investment grade debt).
    Who is this investment suitable for?
    With all defensive assets, this sector investment option is designed for members with a short-term investment timeframe, who are seeking stable returns and have a medium tolerance of negative returns.
    More details
    Investment time frame
    2 years +
    Level of investment risk
    Medium
    Likelihood of negative returns
    Negative returns expected in between 2 to less than 3 out of every 20 years
    Growth/ defensive allocation
    0% growth / 100% defensive
    Total investment fees and costs*
    0.23% p.a.
    Return target
    CPI p.a. over 20 years
    Net return^

    1.43%

    Investment details

  • Bonds – Indexed

    • Introduced on 18 March 2022
    The Bonds – Indexed investment option is focused on minimising investment fees and costs in a single sector from investing in a portfolio of all defensive assets (Australian and international government bonds and other investment grade debt).
    Who is this investment suitable for?
    With all defensive assets, this sector investment option is designed for members with a short-term investment timeframe, who are seeking stable returns and have a medium tolerance of negative returns.
    More details
    Investment time frame
    2 years +
    Level of investment risk
    Medium
    Likelihood of negative returns
    Negative returns expected in between 2 to less than 3 out of every 20 years
    Growth/ defensive allocation
    0% growth / 100% defensive
    Total investment fees and costs*
    0.07% p.a.
    Return target
    CPI p.a. over 20 years
    Net return^

    -

    Investment details

  • Cash

    The Cash investment option is focused on a single sector from investing in a portfolio of all defensive assets (could include deposits in a bank, investments in short-term money markets and other similar investments).
    Who is this investment suitable for?
    The Cash investment option is focused on capital preservation from investing in a portfolio of all defensive assets with high liquidity characteristics (e.g., bank deposits, short-term money market investments and other similar investments).
    More details
    Investment time frame
    2 years +
    Level of investment risk
    Very low
    Likelihood of negative returns
    Negative returns expected in less than 0.5 out of every 20 years
    Growth/ defensive allocation
    0% growth / 100% defensive
    Total investment fees and costs*
    0.01% p.a.
    Return target
    CPI p.a. over 20 years
    Net return^

    2.14%

    Investment details
Choiceplus mnemonics

What is the Choiceplus investment option?

Developed for members who want a more active role in investing their super or pension, Choiceplus allows direct investment into companies in the S&P/ASX 300 Index; Exchange Traded Funds (ETFs) covering developed, emerging and commodity markets; a selection of Listed Investment Companies (LICs); and term deposits.  

Icon depicting control over options

More choice, more control

With its easy-to-use online investment platform, Choiceplus can help streamline your investing activities. It allows you to make investments in real time, and provides comprehensive market information, research and access to an end-of the-day market wrap-up. More choice and control over your investments? That’s a plus. 

Learn more

+ Please note that Maritime Contributory Accumulation Members who joined before 1 July 2008 and have not waived their Protected Minimum Benefit have restricted investment choice. Refer to our Investment Guide for your product.

* Total investment fees and costs are estimates based on the previous financial year. Because of this, fees and costs payable in respect of each future year may be higher or lower. For a full breakdown of fees and costs, see our Fees and Costs Guide for your product.

^ Investment returns for periods ending 30 September 2025, net of investment fees and costs. Administration and other fees apply. Not all options will display returns for every period due to varying launch dates. See investment returns page for returns over all available periods.

Make an informed choice

Learn more about our different investment options in our detailed guides. 

Why choose
Hostplus

We’re an industry super fund aiming to give you the future you deserve.

Compare Hostplus today

Ready to join? Online applications only take five minutes.

Or call us on 1300 467 875

8am – 8pm (AEST/AEDT),
Monday to Friday.

Join Now

 

 

1. Awards and ratings are only one factor to consider when choosing a super fund. Visit hostplus.com.au/awards for awards critieria and disclaimers.

2. Hostplus Balanced (MySuper) investment option compared to the SuperRatings Accumulation Fund Crediting Rate Survey – SR50 Balanced (60–76) Index at 31 March 2025. Past performance is not a reliable indicator of future performance.