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Plan and prepare
your retirement

Your retirement is unique to you. There is no right or wrong way to retire and even when you do, the journey doesn't end.

Whether you're exploring your calculator results, reviewing your annual statement, or starting to think about retirement, there are different ways to take the next step.

Explore SuperSmart for guided learning and personalised digital advice*, or use the options below to find the support that's right for you, wherever you are on your retirement journey.

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Take your planning further with SuperSmart

Explore guided learning and tailored digital advice to help you plan your next steps. 
Available through Member Online at no extra cost. Eligibility criteria apply to digital advice.

Explore your options by life stage

Prefer to explore topics relevant to where you’re at? Choose a stage below to find information and options to consider. You may relate to more than one stage, so explore whatever feels relevant to you.

I'm starting to plan

You have time on your side. The focus at this stage is understanding what you want retirement to look like, what it could cost, and whether you're on track. 

What may be useful to think about now: 
 

I'm getting close to retirement

Retirement feels closer and the focus shifts to practical preparation. This is when plans become specific: where your income will come from, what trade-offs you're comfortable with, and what you can still adjust before you finish work. 

What may be useful to think about now: 
 

I'm transitioning to retirement

Decisions become real. The focus is turning your super into a retirement income that's regular, flexible, and built to last. 

What may be useful to think about now: 
 

I'm retired

Once you're retired, your needs can keep changing. Your situation may differ depending on how much you rely on your super, the Age Pension, or both. 

What may be useful to think about now: 
 

Prefer to speak with a financial planner?

A financial planner can help you explore your broader financial situation and retirement goals. Hear how advice helped a Hostplus member plan for retirement.


Get ready for a positive future with a Hostplus Retirement account

It takes about 20 minutes to apply for a Hostplus Retirement account online, or you can call us on 1300 348 546 to discuss your options.


*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. If you’re unable to access an applicable SuperSmart advice journey, please contact us 1300 303 188 and we can help you with other options.

Hostplus has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of financial advice to members of Hostplus via Hostplus financial planners and the web-based product SuperSmart. Hostplus financial planners are Authorised Representatives of IFS and 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, copies are available from your Hostplus financial planner or SuperSmart.

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