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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.

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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.

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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 Hostplus Retirement Accounts PDS for more information about the terms we use to describe these options.

15 options

  • What are diversified investment options?

    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). 

    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 pre-mixed 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^

    8.83%

    Investment details

  • Balanced

    • Signature
    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.
    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 + 4.0% p.a. over 20 years
    Net return^

    7.74%

    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^

    5.96%

    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^

    4.14%

    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 modest 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 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 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 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^

    8.19%

    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 investment option is designed for members with a medium to long-term investment time frame, 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
    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 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 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 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 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 + 3.0% 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 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
7 options

  • 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.

  • 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^

    8.78%

    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 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 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 very 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^

    9.93%

    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 only).
    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 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^

    12.13%

    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^

    1.46%

    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

    • Default option for pension members
    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).
    Who is this investment suitable for?
    With all defensive assets, this sector investment option is designed for members with a short-term investment time frame, who are seeking stable returns and have a very low tolerance of negative returns
    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^

    2.13%

    Investment details

* 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 Hostplus Retirement Accounts PDS.  
^ 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 a Hostplus Transition to Retirement account in our detailed guides.

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Make the most of your investments

The right advice can be priceless. If you want to understand the investment options that can help you meet your goals, it might be time to speak to a member from our Advice team. Our Advice team is here to help – so you can plan for a future full of good stuff.

Talk to a financial planner 

Have a question

About Hostplus TTR accounts? 

Find answers to some of the questions we commonly get asked about our 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 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

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 Hostplus Retirement Accounts PDS. 

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.

Learn more about Hostplus TTR accounts