Our products and services
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.
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.
Learning Hub
Try SuperSmart today
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.
Retirement
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.
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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Member Online
Enter your Member Number and Password to access your account anytime.
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Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
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QuickSuper
Pay your employees super contributions across multiple super funds.
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Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
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Member Join
Everyone is welcome to join us as a member of our personal super plans.
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Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
-
Member Online
Enter your Member Number and Password to access your account anytime.
-
Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
-
QuickSuper
Pay your employees super contributions across multiple super funds.
-
Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
-
Member Join
Everyone is welcome to join us as a member of our personal super plans.
-
Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Why Hostplus
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.
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
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.
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.
-
Member Online
Enter your Member Number and Password to access your account anytime.
-
Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
-
QuickSuper
Pay your employees super contributions across multiple super funds.
-
Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
-
Member Join
Everyone is welcome to join us as a member of our personal super plans.
-
Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
-
Member Online
Enter your Member Number and Password to access your account anytime.
-
Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
-
QuickSuper
Pay your employees super contributions across multiple super funds.
-
Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
-
Member Join
Everyone is welcome to join us as a member of our personal super plans.
-
Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Salary
sacrifice
Salary sacrifice is an easy way to give your super a big boost and help it grow, faster.
What is
Salary sacrifice?
Put simply: get more super and reduce your assessable income
The old saying goes: “You don’t miss what you don’t have.” The same can be said of the salary sacrifice solution.
While a personal contribution is adding extra to super from your take-home pay, salary sacrifice is a way to top up your super from your before-tax salary without the painful deduction from your bank account every month. Instead, this extra contribution is taken from your pay and put into your super.
Pre-tax salary sacrifice = more money for your retirement
Setting up a salary sacrifice scheme with your employer means your salary sacrifice contribution is paid out of your pre-tax salary directly into your super account. This means your taxable income is lowered, and the amounts sacrificed are not subject to pay as you go (PAYG) withholding tax, but instead will be taxed by your super fund.1 This is generally lower than most people's personal tax rate which can be as high as 47%.2
Contributions caps apply.
Out of sight, out of mind
Using a salary sacrifice scheme with your employer means you don’t feel the pinch on your pocket when the money is taken out of your take-home pay.
Please note that salary sacrifice superannuation contributions are classified as employer concessional contributions. Some employers may not offer salary sacrifice to employees. Before making any decision you should consider concessional contribution limits and seek advice from a licensed financial tax adviser.
1. Contributions are generally taxed at a rate of 15%. An additional tax will be payable on superannuation contributions for high income earners with an adjusted taxable income of $250,000 or more.
2. Includes 2% Medicare Levy.
Discover
Is salary sacrificing right for you?
Are you considering salary sacrifice or personal contributions? It is important to understand if salary sacrificing could provide you with tax benefits, or if you’re better off topping up your super via personal contributions. Our online Super Adviser tool can help you compare the benefits of each option, at no additional cost to you.
For more details about contribution caps and types, please read our Member Guide.
Our dedicated licensed Industry Fund Financial Planning ABN 54 007 016 195, AFSL 232514 financial advisers can also help you decide the best way for you to add extra to your super to maximise your benefits.
Set up salary
sacrifice today
It’s easy. Download our Salary Sacrifice brochure and chat with your employer today about setting up a salary sacrifice arrangement.