In partnership with our insurer MetLife, we're pleased to offer 360Health to all Hostplus members and their families.* It's a way to connect to a range of virtual health and wellbeing services at no extra cost.
*The term ‘family/families’ consists of a Hostplus member’s children, partner, parents, and parents in-law.
An interactive way to get financial education and tailored advice* online to help supercharge your future.
Exclusive to Hostplus members 24/7 via Member Online at no extra cost.
*Members with Term Allocated Pension, Lifetime Pension, Defined Benefit Pension, nil balances, non-standard investment options and some Maritime Contributory Accumulation members cannot access SuperSmart financial advice services.
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.
To claim a tax deduction for a personal contribution made last financial year, Hostplus must receive your Notice of Intent to Claim a Tax deduction by 30 June this financial year.
Submit online via Member Online for immediate receipt. Please allow extra time if posting.
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.
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.
Helping you prepare for retirement, turn your super into income, and stay supported as your needs change over time.
Hostplus is built to be your fund for life. We support you before, into and through retirement, with guidance that adapts as your goals change.
Some common retirement-related questions are:
Our Retirement Strategy helps you to answer these questions. It helps you understand where you stand, what options you have, and what to do next.
When you think about retirement, you’re often weighing up a few important things at once. We help you balance the following:
Helping you make good use of your super and other income sources over time.
Including changes in markets, the cost of living, and how long your retirement may last.
So you can respond to changes, unexpected costs, or different needs over time.
These goals do not always point in the same direction. Our approach is designed to help you understand the trade-offs, weigh up what matters most to you, and make practical decisions that work for you over time.
For most people, super is an important part of retirement income, but it is only one part.
Depending on your situation, your retirement income may come from a mix of:
The mix is different for everyone, and it can change over time.
That is why our strategy helps you think about retirement as a whole, rather than one account, one product or one decision. It is intended to help you understand how different income sources may work together, and what this could mean for your retirement over time.
Your stage matters more than your age. The guides below are a starting point. You may relate to more than one stage depending on when you stop working and when you access your super.
Age guide: 45 to 55, still working, retirement is on the horizon
You have time on your side. The focus at this stage is understanding what you want retirement to look like, what it could cost, and whether you're on track. Decisions you make now (contributions, investment settings, and how engaged you are with your super) shape your outcome.
A useful next step is to work out the retirement you want and what it could cost. That gives you a clear picture of whether you're on track and where small changes now can pay off later.
What may be useful to think about now:
Age guide: 55 to under 65, still working, retirement is getting closer
Retirement feels closer and the focus shifts to practical preparation. This is when plans become specific: where your income will come from, what trade-offs you're comfortable with, and what you can still adjust before you finish work.
A useful next step is to check whether you're retirement ready. That means understanding if you're on track, how your income will be funded, and whether a Transition to Retirement (TTR) approach could help you ease out of work while keeping your super working.
What may be useful to think about now:
Age guide: 65+ and preparing to stop work and start drawing an income from your super
Decisions become real. The focus is turning your super into a retirement income that's regular, flexible, and built to last.
A useful next step is to think about how you want your income to work: how you'll draw on your super, how it fits with the Age Pension or other assets, and what support you want as you set things up.
What may be useful to think about now:
Age guide: 60+, retired and drawing an income from your super
Once you're retired, your needs can keep changing. Your situation may differ depending on how much you rely on your super, the Age Pension, or both.
For example, you may:
In each case, what matters most is having an income approach that supports your needs now, while still giving you flexibility as your situation changes.
A useful next step is to check in on how things are tracking. That includes whether your income is working for you, whether anything has changed, and whether you want to adjust your approach or rely on additional support.
What may be useful to think about now is whether:
In simple terms, our goal is to help you prepare for retirement, turn your super and other income sources into a workable retirement income, and stay supported as your needs change over time.
Wherever you are on your journey, Hostplus is right beside you. Our Retirement Strategy brings together:
Tools, information and support to help you understand your options, consider trade-offs across income, risk and flexibility, and decide what to do next.
Simple, practical ways to turn your super into retirement income that help you make the most of what you have, manage the risks that can affect your income, and keep flexibility where it matters.
Support at key moments: when you're setting up your income, adjusting it over time, or responding to a change in your circumstances.
Together, they help you make the most of your retirement income, access your savings with flexibility, and feel confident about the road ahead, so you can embrace all the possibilities retirement holds.
Some of this support is available today, and other innovative solutions are in development. Our focus is to make the retirement experience simpler, more connected and easier to navigate, so you can move forward with ease and clarity.
You can set up your retirement income through a Hostplus Pension account with a range of investment options. Over time, we're building more guided ways to get started. These will help you make good use of your super, manage the risks that can affect your income, and keep the flexibility to adjust as your needs change.
Tools and projections are available to help you better understand your retirement outlook. On top of that, we're building even more ways to help you understand your position, explore options and identify useful next steps.
You can access support online, over the phone and in person. We are continuing to connect and improve these experiences, so it's even easier to connect with us however you choose.
You can access information and guidance to help with decisions such as planning ahead and understanding the Age Pension. We are also building more practical support for important steps such as applying for the Age Pension, drawdown decisions, and navigating later-life decisions, including aged care.
Retirement income may come from a mix of super and other sources. We are also exploring ways to help some of your super provide more consistent income across your retirement, to support more certainty and confidence over time.
At different times, you may need more support or a different kind of support.
This might be because of health changes, financial stress, caring responsibilities, major life events, language needs, or other personal circumstances.
For example, you may:
Our approach recognises that different members may need different kinds of support at different times. We aim to provide support that is clear, practical and respectful, helping you engage with your super in a way that feels safer and more manageable.
If you’d like extra assistance, we’re here to help.
Success means helping you make the most of your retirement income, manage the things that can affect it, and keep the flexibility to adjust as your life changes. For each member, this looks like:
You have a clearer understanding of your retirement position and what may need attention.
You feel more able to make decisions, understand your options and take the next step when needed.
Your super and other income sources work together to provide an income that better supports your needs and is more likely to last over time.
We are working to make the retirement experience even simpler and more personal. That means helping you see where you stand more easily, giving you clearer guidance on what to consider next, and making sure support is available across the channels you prefer to use, whether online, over the phone, or in person.
You can explore tools, learn more, or speak to someone when you’re ready.
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