These options invest in different combinations of asset classes. They aim to produce consistent returns over time by investing in a mix of growth assets (like shares and property) and defensive assets (like fixed interest and cash).
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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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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
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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.
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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.
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.
Transition to Retirement
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.
When you invest in Hostplus Transition to Retirement, your funds will be automatically invested in the Cash option – our default investment option – unless you make an investment choice.
Investment
Options
If you’d like more control over your pension, you can choose from our pre-mixed options or our single sector options.
You can also mix and match different options to suit your investment risk profile and financial objectives.
Read our Pension Guide for more information about the terms we use to describe these options.
- Pre-mixed
- Sector investments
15 options
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What are pre-mixed investment options?
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Growth
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 and has high diversification.Who is this investment suitable for?With a strong bias to growth assets, this Core pre-mixed 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 detailsInvestment time frame
5 years +Level of investment risk
Medium to highLikelihood of negative returns
Negative returns expected in between 3 to less than 4 out of every 20 yearsGrowth/defensive allocation
90% growth / 10% defensive0.91% p.a.CPI + 4.5% p.a. over 20 years8.56%
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Balanced
The Balanced investment option is focused on delivering the best net return from investing in a portfolio that has a bias to growth assets and has high diversification.Who is this investment suitable for?With a bias to growth assets, this Core pre-mixed 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.More detailsInvestment time frame
5 years +Level of investment risk
Medium to highLikelihood of negative returns
Negative returns expected in between 3 to less than 4 out of every 20 yearsGrowth/defensive allocation
76% growth / 24% defensive1.02% p.a.CPI + 4.0% p.a. over 20 years7.56%
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Conservative Balanced
The Conservative Balanced 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 and has high diversification.Who is this investment suitable for?With a similar proportion of growth and defensive assets, this Core pre-mixed 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 detailsInvestment time frame
5 years +Level of investment risk
MediumLikelihood of negative returns
Negative returns expected in between 2 to less than 3 out of every 20 yearsGrowth/defensive allocation
56% growth / 44% defensive0.79% p.a.CPI + 3.0% p.a. over 20 years5.61%
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Capital Stable
The Capital Stable investment option is focused on delivering the best net return from investing in a portfolio that has a bias to defensive assets and has high diversification.Who is this investment suitable for?With a bias to defensive assets, this Core pre-mixed 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 detailsInvestment time frame
5 years +Level of investment risk
Low to mediumLikelihood of negative returns
Negative returns expected in between 1 to less than 2 out of every 20 yearsGrowth/defensive allocation
37% growth / 63% defensive0.69% p.a.CPI + 2.0% p.a. over 20 years3.79%
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Indexed Growth
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 and has medium diversification.Who is this investment suitable for?With a strong bias to growth assets, this Indexed pre-mixed 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 detailsInvestment time frame
7 years +Level of investment risk
HighLikelihood of negative returns
Negative returns expected in between 4 to less than 6 out of every 20 yearsGrowth/defensive allocation
90% growth / 10% defensive0.05% p.a.CPI plus 2.5% p.a over 20 years -
Indexed Balanced
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 and has medium diversification.Who is this investment suitable for?With a bias to growth assets, this Indexed pre-mixed 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 detailsInvestment time frame
5 years +Level of investment risk
HighLikelihood of negative returns
Negative returns expected in between 4 to less than 6 out of every 20 yearsGrowth/defensive allocation
75% growth / 25% defensive0.04% p.a.CPI + 2.5% p.a. over 20 years7.76%
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Indexed Conservative Balanced
The Indexed Conservative Balanced 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 and has medium diversification.Who is this investment suitable for?With a similar proportion of growth and defensive assets, this Indexed pre-mixed 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 high tolerance of negative returns.More detailsInvestment time frame
5 years +Level of investment risk
HighLikelihood of negative returns
Negative returns expected in between 4 to less than 6 out of every 20 yearsGrowth/defensive allocation
55% growth / 45% defensive0.06% p.a.CPI plus 2.0% p.a over 20 years -
Indexed Capital Stable
The Indexed Capital Stable investment option is focused on minimising investment fees and costs from investing in a portfolio that has a bias to defensive assets and has medium diversification.Who is this investment suitable for?With a bias to defensive assets, this indexed pre-mixed 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 detailsInvestment time frame
5 years +Level of investment risk
MediumLikelihood of negative returns
Negative returns expected in between 2 to less than 3 out of every 20 yearsGrowth/defensive allocation
37% growth / 63% defensive0.07% p.a.CPI plus 1.5% p.a over 20 years -
Socially Responsible Investment (SRI) - Balanced
The Socially Responsible Investment (SRI) - Balanced investment option is focused on values-based investing from investing in a portfolio with a bias to growth assets and has high diversification.Who is this investment suitable for?With a bias to growth assets, this Socially Responsible Investment pre-mixed 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 detailsInvestment time frame
5 years +Level of investment risk
Medium to highLikelihood of negative returns
Negative returns expected in between 3 to less than 4 out of every 20 yearsGrowth/defensive allocation
72% growth / 28% defensive0.68% p.a.CPI + 3.0% p.a. over 20 years7.38%
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High Growth
The High Growth investment option is focused on delivering the best net return from investing in a portfolio of all growth assets and has medium diversification.Who is this investment suitable for?With all growth assets, this Core pre-mixed 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 detailsInvestment time frame
10 years +Level of investment risk
HighLikelihood of negative returns
Negative returns expected in between 4 to less than 6 out of every 20 yearsGrowth/defensive allocation
100% growth / 0% defensive0.78%CPI + 4.5% p.a. over 20 years-
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Defensive
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 and has medium diversification.Who is this investment suitable for?With a strong bias to defensive assets, this Core pre-mixed investment option is designed for members with a short-term investment timeframe, who are seeking stable returns and have a very low tolerance of negative returns.More detailsInvestment time frame
2 years +Level of investment risk
Very lowLikelihood of negative returns
Negative returns expected in less than 0.5 out of every 20 yearsGrowth/defensive allocation
19% growth / 81% defensive0.27%CPI + 1.0% p.a. over 20 years-
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Indexed High Growth
The Indexed High Growth investment option is focused on minimising investment fees and costs from investing in a portfolio of all growth assets and has low diversification.Who is this investment suitable for?With all growth assets, this Indexed pre-mixed 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 detailsInvestment time frame
7 years +Level of investment risk
HighLikelihood of negative returns
Negative returns expected in between 4 to less than 6 out of every 20 yearsGrowth/defensive allocation
100% growth / 0% defensive0.05%CPI + 3.0% p.a. over 20 years-
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Indexed Defensive
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 and has medium diversification.Who is this investment suitable for?With a strong bias to defensive assets, this Indexed pre-mixed investment 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 detailsInvestment time frame
5 years +Level of investment risk
LowLikelihood of negative returns
Negative returns expected in between 0.5 to less than 1 out of every 20 yearsGrowth/defensive allocation
19% growth / 81% defensive0.07%CPI + 1.0% p.a. over 20 years-
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Socially Responsible Investment (SRI) – High Growth
The Socially Responsible Investment (SRI) - High Growth investment option is focused on values based investing from investing in a portfolio of all growth assets and has medium diversification.Who is this investment suitable for?With all growth assets, this Socially Responsible Investment pre-mixed 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 detailsInvestment time frame
7 years +Level of investment risk
HighLikelihood of negative returns
Negative returns expected in between 4 to less than 6 out of every 20 yearsGrowth/defensive allocation
100% growth / 0% defensive0.59%CPI + 3.5% p.a. over 20 years-
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Socially Responsible Investment (SRI) – Defensive
The Socially Responsible Investment (SRI) - Defensive investment option is focused on values-based investing from investing in a portfolio with a strong bias to defensive assets and has medium diversification.Who is this investment suitable for?With a strong bias to defensive assets, this Socially Responsible Investment pre-mixed 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 detailsInvestment time frame
5 years +Level of investment risk
LowLikelihood of negative returns
Negative returns expected in between 0.5 to less than 1 out of every 20 yearsGrowth/defensive allocation
19% growth / 81% defensive0.15%CPI + 1.0% p.a. over 20 years-
9 options
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What are single sector options?
Single sector investment options invest only in a specific asset class, such as Cash or Australian Shares, and have varying investment styles.
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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) and has low diversification.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) and has low diversification.More detailsInvestment time frame
2 years +Level of investment risk
Very lowLikelihood of negative returns
Negative returns expected in less than 0.5 out of every 20 yearsGrowth/defensive allocation
0% growth / 100% defensive0.02% p.a.CPI p.a. over 20 years1.81%
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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) and has low diversification.Who is this investment suitable for?With all growth assets, this single 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 detailsInvestment time frame
7 years +Level of investment risk
HighLikelihood of negative returns
Negative returns expected in between 4 to less than 6 out of every 20 yearsGrowth/defensive allocation
100% growth / 0% defensive0.47% p.a.CPI + 4.0% p.a. over 20 years8.94%
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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 only) and has low diversification.Who is this investment suitable for?With all growth assets, this single sector investment option is designed for members with a medium to long-term investment timeframe, who are seeking modest long term returns, have a very high tolerance of negative returns and can accept the impacts of foreign currency movements.More detailsInvestment time frame
5 years +Level of investment risk
Very highLikelihood of negative returns
Negative returns expected in 6 or greater out of every 20 yearsGrowth/defensive allocation
100% growth / 0% defensive0.08% p.a.CPI + 2.0% p.a. over 20 years11.83%
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International Shares (Hedged) – Indexed
The International Shares (Hedged) – 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 only) and has low diversification.Who is this investment suitable for?The International Shares (Hedged) – 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) and has low diversification.More detailsInvestment time frame
5 years +Level of investment risk
Very highLikelihood of negative returns
Negative returns expected in 6 or greater out of every 20 yearsGrowth/defensive allocation
100% growth / 0% defensive0.05% p.a.CPI + 1.5% p.a. over 20 years9.39%
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Diversified Fixed Interest
The Diversified Fixed Interest 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) and has medium diversification.Who is this investment suitable for?With all defensive assets, this single sector investment option is designed for members with a short-term investment timeframe, who are seeking stable returns and have a low to medium tolerance of negative returns.More detailsInvestment time frame
2 years +Level of investment risk
Low to mediumLikelihood of negative returns
Negative returns expected in between 1 to less than 2 out of every 20 yearsGrowth/defensive allocation
0% growth / 100% defensive0.30% p.a.CPI p.a. over 20 years1.10%
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Diversified Fixed Interest – Indexed
The Diversified Fixed Interest – 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) and has low diversification.Who is this investment suitable for?With all defensive assets, this single sector investment option is designed for members with a short-term investment timeframe, who are seeking stable returns and have a low to medium tolerance of negative returns.More detailsInvestment time frame
2 years +Level of investment risk
Low to mediumLikelihood of negative returns
Negative returns expected in between 1 to less than 2 out of every 20 yearsGrowth/defensive allocation
0% growth / 100% defensive0.11% p.a.CPI - 0.5% p.a. over 20 years-
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Australian Shares – Indexed
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) and has low diversification.Who is this investment suitable for?With all growth assets, this single sector investment option is designed for members with a medium to long-term investment timeframe, who are seeking moderate long term returns and have a very high tolerance of negative returns.More detailsInvestment time frame
5 years +Level of investment risk
Very highLikelihood of negative returns
Negative returns expected in 6 or greater years out of every 20 yearsGrowth/defensive allocation
100% growth / 0% defensive0.04% p.a.CPI + 3.0% p.a. over 20 years-
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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) and has medium diversification.Who is this investment suitable for?With all growth assets, this single 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 detailsInvestment time frame
5 years +Level of investment risk
HighLikelihood of negative returns
Negative returns expected in between 4 to less than 6 out of every 20 yearsGrowth/defensive allocation
100% growth / 0% defensive0.54% p.a.CPI + 4.0% p.a. over 20 years8.84%
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International Shares - Emerging Markets
The International Shares - Emerging Markets 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 in emerging markets) and has medium diversification.Who is this investment suitable for?With all growth assets, this single sector investment option is designed for members with a medium to long-term investment time frame, who are seeking strong long-term returns, have a high tolerance of negative returns and can accept the impacts of foreign currency movements.More detailsInvestment time frame
5 years +Level of investment risk
HighLikelihood of negative returns
Negative returns expected in between 4 to less than 6 out of every 20 yearsGrowth/defensive allocation
100% growth / 0% defensive0.59% p.a.CPI + 4.0% p.a. over 20 years-
* Costs are estimated based on estimated and actual information from the previous financial year. The costs payable in respect of each future year may be higher or lower. Administration and other fees also apply. For a full breakdown of fees and costs, see our fees and costs page or the ‘Fees and other costs’ section of the Pension Guide.
^ Investment returns for periods ending 31 October 2024, 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 a Hostplus Transition to Retirement account in our detailed guides.
Get ready for a positive future with a Hostplus Transition to Retirement account
It takes about 20 minutes to apply for a Hostplus TTR account online, or you can call us on 1300 348 546 to discuss your options.
Have a question
About Hostplus TTR accounts?
To invest in a Hostplus TTR account, you must invest a minimum of $10,000 from your current super fund. You also need to be over your preservation age - see below for more information.
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 birth | Preservation age |
|---|---|
| Before 1 July 1960 | 55 |
| 1 July 1960–30 June 1961 | 56 |
| 1 July 1961–30 June 1962 | 57 |
| 1 July 1962–30 June 1963 | 58 |
| 1 July 1963–30 June 1964 | 59 |
| After 1 July 1964 | 60 |
The Australian Government has set guidelines around the minimum you can withdraw each year, either as a lump sum or a regular income stream. You can read more about the guidelines in the Pension Guide.
There’s a maximum withdrawal limit of 10% of your TTR account balance (at the beginning of each financial year, or on the start date of your TTR account in its first year), so 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.
Your Hostplus TTR account may not provide an income stream for the remainder of your life. TTR payments will only be made while there is enough money in your account. How long your TTR account lasts depends on several factors, including:
- your initial investment amount
- the amount taken as income
- administration and investment fees and costs
- investment performance.
The Government Age Pension is dependent on several elements such as your income and assets. These are assessed each year and/or when there is a change in your circumstances.
If you’re intending to claim the Government Age Pension as well as setting up a Hostplus TTR account, chat to one of our financial planners about your goals.
When you die, the remaining balance of your account can be paid to your spouse, dependants, estate or beneficiaries. Learn more about nominating a beneficiary.