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Turn your super
into a regular
income when you retire

You’ve worked hard to grow your super. Now you’ve retired, it’s time to make the most of it.

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it’s now time 

to enjoy your retirement

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Your super income stream

Subject to certain age requirements, a Hostplus Pension account turns your super into a regular tax-free income. Manage your retirement your way, with a wide variety of investment options and tax-free investment returns. 

Tax may apply to pension payments when you are under the age of 60, please refer to the Hostplus Pension Guide for more information.

Flexible income & withdrawals

Subject to minimum pension payment requirements, turn your super into income, with the flexibility to make withdrawals when you need to. Control how much and how often you want to be paid, giving you full control of your retirement. Please refer to the Hostplus Pension Guide for more information.

Tax-free investment returns

As your money stays invested, your savings can keep growing, and you benefit from higher net returns as there is no longer any tax payable on your investment earnings. 


Investment choice

Access Hostplus’ wide ranging investment menu to tailor your investment approach. The Choiceplus investment option is also available for anyone wanting even more flexibility, with access to shares in companies listed on the S&P/ASX300 Index and a select menu of ETFs, LICs, and Term Deposits. 

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CPIplus investment option

An innovative investment option only available to our Hostplus Pension members. The CPIplus investment option aims to deliver consistent and reliable long-term investment performance. 

Make an
informed choice

Learn more about Hostplus Pension in our detailed guides.

Get ready for a positive future with a Hostplus Pension account

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

Have a question

about retirement? 

Find answers to some of the questions we commonly get asked about pension accounts. 

A pension account is a different type of super account that you can set up at retirement. It has several tax benefits and keeps your money invested while drawing a regular income from your retirement savings. In most cases, you can withdraw some or all of your account into a lump sum payment at any point. Any money you don’t draw as income can be invested in a range of investment options.

To invest in a Hostplus Pension account, you must invest a minimum of $10,000 from your current super fund, but no more than the transfer balance cap. You must also meet a condition of release.

Temporary residents are unable to access pension accounts.

In most cases, superannuation benefits are released once you reach your ‘preservation age’ and are permanently retired. Your preservation age depends on when you were born.

Date of birthPreservation age
Before 1 July 196055
1 July 1960–30 June 196156
1 July 1961–30 June 196257
1 July 1962–30 June 196358
1 July 1963–30 June 196459
After 1 July 196460

If you’re over age 60, you will receive all your pension payments and lump sum withdrawals tax free and won’t even need to report them on your tax return. If you’re under age 60, some or all of your pension payment will be taxed like other income, with some offsets applied, so you will need to report the payments on your tax return. Your lump-sum withdrawals may also be taxable. It’s important that you refer to the Hostplus Pension Guide for more information.

On 1 July 2017, the Australian government introduced the ‘transfer balance cap’. The cap (currently $1.9 million) is a lifetime limit on the total amount of super that can be transferred to retirement income streams. This includes a Hostplus retirement account. 

Head to the ATO website to learn more about the transfer balance cap.

The Australian Government has set guidelines around the minimum you can withdraw each year. You can read more about the guidelines in the Pension Guide

There’s no maximum withdrawal limit for pension accounts, but it’s a good idea to plan for how much you’ll need each month. If you need help, give our financial planners a call. They’re on hand to help you with all your retirement questions.

Under federal legislation, superannuation benefits must be ‘preserved’ for retirement. This means they must be kept within a complying superannuation or rollover fund until a ‘condition of release’ is met, which allows benefits to be paid. The conditions of release are:

  • You have reached the preservation age and are permanently retired from the workforce.
  • You have reached age 60 and terminated employment.
  • You have reached age 65
  • You are totally and permanently disabled.
  • You are terminally ill.
  • You are an eligible dependant in receipt of a death benefit income stream.

Understanding your retirement

Learning about this next stage of your life can put your mind at ease. It’s why we’ve put together some information to help you.

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Plan your finances

It’s the big question when it comes to retirement: how much money do you need? We’ve identified some ways to help you find an answer. 

Business tools

Retirement tools and resources

Get prepared for retirement with practical tools and resources. Find frequently asked questions, calculators, fact sheets and other information to help you feel in control. 

Expert financial advice

Want to know whether you have enough savings to live comfortably when you retire? Would you like some assistance when it comes to your retirement plans? Our financial planners can help work out what transitioning to retirement looks like for you.