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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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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.

12 options
9 options

* 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 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 Transition to Retirement account in our detailed guides.

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.

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 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.