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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 Pension your funds will be automatically invested in the Cash option – our default investment option – unless you make an investment choice.


If you’d like more control over your pension, you can choose from our pre-mixed options, our single sector options, our direct investment option (Choiceplus), or our innovative CPIplus investment option1

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.

12 options
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What is the CPIplus investment option?

CPIplus is the innovative pension investment option that aims to deliver a predetermined return above inflation. This is designed to help your retirement savings keep pace with the rising costs of living. It’s a flexible retirement product that reduces the risk of negative returns and helps your retirement savings last longer. Pension members can invest as much or as little as they like, and withdraw funds when they need to. 

Who is CPIplus suitable for?

CPIplus is designed for members with short-term investment horizon in pursuit of a very low-risk option targeting a consistent and competitive pre-determined return above inflation over time.

9 options
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What is the Choiceplus investment option?

Developed for members who want a more active role in investing their super or pension, Choiceplus allows direct investment into companies in the S&P/ASX 300 Index; Exchange Traded Funds (ETFs) covering developed, emerging and commodity markets; a selection of Listed Investment Companies (LICs); and term deposits.

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More choice, more control

With its easy-to-use online investment platform, Choiceplus can help streamline your investing activities. It allows you to make investments in real time, and provides comprehensive market information, research and access to an end-of the-day market wrap-up. More choice and control over your investments? That’s a plus. 

1. Choiceplus and CPIplus are not available to Hostplus Transition to Retirement members.

* Administration and investment fees and costs are estimates based on the previous financial year. Because the fees and costs are estimates based on the previous financial year’s, fees and costs payable in respect of each future year may be higher or lower. 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 30 June 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 Pension account 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. 

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 an expert. Our specialist financial planners are here to help – so you can plan for a future full of good stuff.

Have a question about

Hostplus Pension accounts? 

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

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 - see the section below for more information.

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

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

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 Pension account. 

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

The Australian Government has set guidelines around the minimum amount you must receive as a pension payment each year. You can read more about the guidelines in the Pension Guide

There’s no maximum pension payment or 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.

Your Hostplus Pension account may not provide an income stream for the remainder of your life. Pension payments will only be made while there is enough money in your account. How long your pension account lasts depends on several factors, including:

  • your initial investment amount
  • the amount taken as income
  • any amounts withdrawn as a lump sum
  • 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 Pension 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.