| Age bracket | Investment option | Minimum investment time frame |
|---|---|---|
| Under 40 | Growth | 5 years + |
| 40-49 | Balanced | 5 years + |
| 50-59 | Conservative Balanced | 5 years + |
| 60 and over | Capital Stable | 5 years + |
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
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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.
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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.
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.
At a glance
A focus on growth for under-40s
In the early years of your career, you may be able to ride out the ups and downs of higher-risk, higher-growth investments. It’s why Hostplus Life+ invests in the Growth option for under-40s. This core pre-mixed investment option focuses on delivering the best net return from investing in a portfolio that has a strong bias to growth assets and has high diversification.
+ Not available to Hostplus Pension or Transition to Retirement members, or Maritime Contributory Accumulation members who joined before 1 July 2008 and have not waived their Protected Minimum Benefit.
A balanced approach for the middle years
As you move through your middle years, we aim to balance growth and risk, gradually reducing your exposure to investment risk as you get older. When you're between 40 to 49, we invest your super in our award-winning1 Balanced option, which contains a highly diversified mix of assets with a bias to growth. Then, when you're between 50 and 59, we aim to further reduce the investment risk by investing your super in our Conservative Balanced investment option, which has similar proportions of defensive and growth assets.
1. Awards and ratings are only one factor to be taken into account when choosing a super fund.
Reducing risk for over-60s
As you get closer to retirement, we focus on preserving your hard-earned savings. It's why for members aged 60 or over we invest your super our Capital Stable investment option. This Core pre-mixed investment option has a bias to defensive assets, and has high diversification.
| Age bracket | Investment option | Level of risk | Number of years negative returns are expected (out of every 20 years) |
|---|---|---|---|
| Under 40 | Growth | Medium to High | 3 to less than 4 years |
| 40-49 | Balanced | Medium to High | 3 to less than 4 years |
| 50-59 | Conservative Balanced | Medium | 2 to less than 3 years |
| 60 and over | Capital Stable | Low to Medium | 1 to less than 2 year |
* The level of investment risk is based on an industry-wide Standard Risk Measure that shows the number of expected negative annual returns over a 20-year period.
| Age bracket | Investment option | Objective |
|---|---|---|
| Under 40 | Growth | CPI plus 4.5% per annum on average over 20 years |
| 40-49 | Balanced | CPI plus 4.0% per annum on average over 20 years |
| 50-59 | Conservative Balanced | CPI plus 3.0% per annum on average over 20 years |
| 60 and over | Capital Stable | CPI plus 2.0% per annum on average over 20 years |
^ The minimum investment time frame is based on the option’s risk and return profile, volatility and likelihood of negative annual returns in any one year. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.
| Age bracket | Investment option | SAA |
|---|---|---|
| Under 40 | Growth | Refer to the Growth investment option summary |
| 40-49 | Balanced | Refer to the Balanced investment option summary |
| 50-59 | Conservative Balanced | Refer to the Conservative Balanced investment option summary |
| 60 and over | Capital Stable | Refer to the Capital Stable investment option summary |
Who is Hostplus Life suitable for?
This investment option is designed for members+ who would like to automatically move from higher-risk Core investment options to lower-risk Core investment options as they approach retirement.
Throughout your younger years, Hostplus Life is focused on long-term capital growth, with a higher investment in assets such as listed equities and property. As you move closer to retirement, your superannuation will be focused more on providing a steady income and preserving capital.
+ Not available to Hostplus Pension or Transition to Retirement members, or Maritime Contributory Accumulation members who joined before 1 July 2008 and have not waived their Protected Minimum Benefit.
past
performance
Accumulation
This table shows the 12-month net returns for our Hostplus Life option at 30 June each year. The net return is the money the investment has earned, minus investment costs and taxes.2
| Year | Under 40 | 40-49 | 50-59 | 60 and over |
|---|---|---|---|---|
| 2020 | 0.68% | -1.85% | -0.07% | -1.46% |
| 2021 | 26.00% | 21.32% | 14.19% | 8.61% |
| 2022 | -4.14% | 1.57% | -2.10% | -0.96% |
| 2023 | 11.22% | 8.00% | 7.49% | 5.23% |
| 2024 | 9.46% | 7.60% | 6.67% | 5.08% |
This table shows the average net return for our Hostplus Life option over 3, 5 and 10 years to 30 June 2024.2
| Year | Under 40 | 40-49 | 50-59 | 60 and over |
|---|---|---|---|---|
| 3 years | 5.28% | 5.68% | 3.92% | 3.07% |
| 5 years | 8.15% | 7.04% | 5.07% | 3.22% |
| 10 years | 9.14% | 8.33% | 6.23% | 4.43% |
2. Administration and other fees also apply. For a full breakdown of fees and costs, see our fees and costs page or Section 6 of the Member Guide. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.
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