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Retirement Bonus

Start retirement with a boost.

Retirement ready. Tick.

The Epic Retirement Tick is a new recognition from Chant West for super funds that meet a high standard across key retirement criteria. 

Hostplus is proud to be among the first of only six funds to earn the Tick - helping members feel confident about their retirement today and into the future.

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What is the Retirement Bonus?

The Hostplus Retirement Bonus is an additional top-up you may receive when transferring from an eligible Hostplus accumulation or Transition to Retirement (TTR) account to a Hostplus Pension account.*

The Retirement Bonus is available to eligible members who open a Hostplus Pension account from 10 November 2025. 

Eligibility criteria

  • You transfer all or part of your existing Hostplus accumulation or TTR balance to a new Hostplus Pension Account.
  • You’ve been a Hostplus accumulation or TTR account holder for a continuous 12 months period prior to transfer.
  • Your balance has been invested in eligible investment options for a continuous 12 months period prior to transfer.
  • You open a Hostplus Pension account from 10 November 2025.
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How much is the Retirement Bonus?

If eligible, the calculation of the Retirement Bonus is based on:

  • The proportion of your existing account balance that you transfer to a Hostplus Pension Account.
  • Your account balance in each investment option over the 12 months prior to transfer.
  • The Retirement Bonus rates for each applicable investment option.
  • Adjustments for any withdrawals, deposits and switches in your account over the 12 months prior to transfer.

Example of how the Retirement Bonus works

The table below provides an estimate of the bonus payment a member invested in the Balanced (MySuper) option for 12 months prior to opening a Hostplus Pension account may receive, based on different average account balances.

Average account balanceRetirement bonus payment
$100,000$1,560
$250,000$3,900
$500,000$7,800
$750,000$11,700
$1,000,000$15,600

This table is a guide only. Calculations are based on the applicable rates as at 10 November 2025 for the Balanced (MySuper) option.

Get your personalised Retirement Bonus estimate

To view your estimated Retirement Bonus, please log in to Member Online then follow these steps.

1. Navigate to the super menu and select ‘Balance Estimate’.

2. Choose ‘Transfer to Pension – Full Balance’ from the benefit type dropdown.

3. Then click ‘See My Balance’. Your estimated Retirement Bonus will be displayed in the grey information box.

Not registered for Member Online? Register now.

Where does the Retirement Bonus money come from?

When you have a Hostplus accumulation or TTR account, Hostplus sets aside a portion of the investment returns to pay for future capital gains tax when the Fund’s investment assets are sold.

If you then transfer to a Hostplus Pension account, your balance is transferred to a tax-free environment. This can create tax savings for the Fund.

If you’re eligible, we automatically pass an estimate of the tax savings to you as a Retirement Bonus.  

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Why open a Hostplus Pension account?

Super income stream

A Hostplus Pension account turns your super into a regular tax-free income. 

Flexible income & withdrawals

You’ll have the flexibility to make withdrawals when you need to. 

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 

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. 
 

Advice on your retirement

If you’re trying to decide if a Hostplus Pension account is right for you, or you’re looking for the best investment options for your needs, our financial planners can help you plan for the retirement you deserve. 

Frequently Asked Questions

The Retirement Bonus is a top-up payment that you may receive when transferring from an eligible Hostplus accumulation account or TTR Account to a Hostplus Pension account. 

The Retirement Bonus is available for new Hostplus Pension accounts opened on or after 10 November 2025, subject to eligibility.  

You may be eligible for a Retirement Bonus if you meet all the following conditions:  

  • You transfer all or part of your existing Hostplus accumulation or TTR balance to a new Hostplus Pension account.  
  • You’ve been a Hostplus accumulation or TTR account holder for a continuous 12-month period prior to transfer.  
  • Your balance has been invested in eligible investment options for a continuous 12-month period prior to transfer.  

If eligible, the calculation of the Retirement Bonus is based on:  

  • The proportion of your existing account balance that you transfer to a Hostplus Pension account. 
  • Your average account balance in each investment option over the 12 months prior to transferring to a Hostplus Pension account. 
  • The Retirement Bonus rates for each applicable investment option. 
  • Adjustments for any withdrawals, deposits and switches in your account over the 12 months prior to transferring to a Hostplus Pension account. 
  1. When you have a Hostplus accumulation or TTR account, Hostplus sets aside a portion of the investment returns to pay for future capital gains tax when the Fund’s investment assets are sold.
  2. If you then transfer to a Hostplus Pension account, your balance is transferred to a tax-free environment. This can create tax savings for the Fund.
  3. If you’re eligible, we automatically pass an estimate of the tax savings to you as a Retirement Bonus.  

Each investment option has a different asset allocation that makes up that option. The amount set aside for tax on unrealised capital gains depends on the assets attributed to each option. This means the Retirement Bonus will differ between investment options and over time as investment values change.  

Retirement Bonus rates vary per investment option and may change over time (including being reduced to nil).   

The Retirement Bonus rates will apply on the date your Hostplus Pension account is opened and will be used to calculate your bonus payment.  Note that some investment options (e.g. Choiceplus, Cash, Diversified Fixed Interest) will always have a nil bonus rate given their taxation attributes.  

Pension accounts opened prior to 10 November 2025 will not be eligible for a Retirement Bonus. 

No, the Retirement Bonus is added directly to your Hostplus Pension account.  

Yes, the Retirement Bonus is yours and part of your account balance once paid.  

You can check Member Online (MOL) to get an estimate of your Retirement Bonus. Go to Super menu > Balance estimate > select 'Transfer to Pension - Full Balance' from the Benefit type dropdown > See my balance button. Your estimated retirement bonus amount will be shown in the grey box. 

But remember, this is an estimate only. 

Please note, Retirement Bonus estimates are not currently available on Member Online for Transition to Retirement (TTR) accounts.  If you have a TTR account and would like an estimate, please contact us on 1300 348 546 or via live chat.  

The Retirement Bonus doesn't apply to money you may have in a Defined Benefit account. However, a Retirement Bonus may be payable on monies invested in an accumulation component (including after crystallisation of a Defined Benefit) transferred to a Hostplus pension account.  The standard eligibility criteria will apply. 

Your Pension account balance (which includes any Retirement Bonus amount) will be factored into Centrelink’s income and assets tests.  

Your Retirement Bonus will count towards your transfer balance cap. You’ll need to make sure the amount you transfer to your Pension account, plus your Retirement Bonus and any other money you hold in other applicable pension accounts doesn’t exceed the cap.  We will not commence a Pension account with an amount that exceeds the general transfer balance cap at the time (currently $2M).   

Yes, any withdrawals in the 12 months prior to transferring to Hostplus Pension account (including under a re-contribution strategy) will impact the Retirement Bonus payable. 

No, your continuity of membership and balance history will be recognised when transferring between Hostplus accounts. 

You can register quickly and easily at hostplus.com.au to access your account and the bonus estimate. 


Contact Us

If you have any further questions or need assistance, please contact us: 

Phone: 1300 467 875 

Email: info@hostplus.com.au 


*Eligibility rules and other terms and conditions apply.

The Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 (Chant West) Epic Retirement Tick issued October 2025 is solely a statement of opinion and not a recommendation in relation to making any investment decisions. The Tick is current for 12 months and subject to change at any time without notice. Ticks from previous years are for historical purposes only. Liability is not accepted, whether direct or indirect, from use of the Tick. Full details on the Tick at www.chantwest.com.au/solutions/epic-retirement-tick