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.
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Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
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SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Why choose Hostplus
Reminder: EOFY super contributions
If you want your employees' Super Guarantee payments to be processed before the end of the financial year, Hostplus must have received and receipted the contribution by 30 June. For the best chance of meeting this deadline, we recommend submitting payments earlier than usual, in case there are any issues processing your payment.
Processing times will vary across clearing house services, so check with your provider for cutoff dates. You can find out more about how to make super payments on our website.
Your responsibilities
Reminder: EOFY super contributions
If you want your employees' Super Guarantee payments to be processed before the end of the financial year, Hostplus must have received and receipted the contribution by 30 June. For the best chance of meeting this deadline, we recommend submitting payments earlier than usual, in case there are any issues processing your payment.
Processing times will vary across clearing house services, so check with your provider for cutoff dates. You can find out more about how to make super payments on our website.
How to make payments
Reminder: EOFY super contributions
If you want your employees' Super Guarantee payments to be processed before the end of the financial year, Hostplus must have received and receipted the contribution by 30 June. For the best chance of meeting this deadline, we recommend submitting payments earlier than usual, in case there are any issues processing your payment.
Processing times will vary across clearing house services, so check with your provider for cutoff dates. You can find out more about how to make super payments on our website.
Tools and resources
Reminder: EOFY super contributions
If you want your employees' Super Guarantee payments to be processed before the end of the financial year, Hostplus must have received and receipted the contribution by 30 June. For the best chance of meeting this deadline, we recommend submitting payments earlier than usual, in case there are any issues processing your payment.
Processing times will vary across clearing house services, so check with your provider for cutoff dates. You can find out more about how to make super payments on our website.
-
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.
Access your
super early
Super is a long-term investment designed to provide you with a positive financial future. But there may be situations where you need to access some or all of your super earlier than retirement age – for example, if you’re suffering severe financial hardship, are a temporary resident and have left Australia permanently, or are totally and permanently disabled or terminally ill.
When can you access your super?
While you usually need to wait until you reach age 60, you may be able to access your super in the following circumstances:
- severe financial hardship
- compassionate grounds
- terminal illness or total and permanent disability diagnosis
- permanent departure from Australia
- balance is under $200
- as part of the First Home Super Saver Scheme (FHSSS).
Whatever your situation, we can help you understand the options that may be available to you.
Need to access some of your super early due to financial hardship?
The rules for accessing your super due to severe financial hardship depend on your age.
You’re under age 60
If you’re under age 60, you can apply to withdraw between $1,000 and $10,000 from your account – or the whole amount if your balance is less than $1,000 – if you meet all of the following criteria:
- You’ve been receiving or have received an eligible Commonwealth income support payment from either Centrelink or the Department of Veterans’ Affairs (DVA) for the last 26 consecutive weeks.
- You’re unable to meet reasonable and immediate living expenses.
- You’re able to provide evidence of debts and expenses to support your application.
Visit Member Online to see if you are eligible and to apply to claim your super due to financial hardship.
Need help? Contact our benefit payments team.
You’re over age 60
If you’ve reached age 60, you can withdraw some, or all, of your super if you meet these two requirements:
- You’ve received a Commonwealth income support payment for a cumulative period of 39 weeks since reaching your preservation age.
- You’re not working at the date of application.
Visit Member Online to see if you are eligible and apply to claim your super due to financial hardship.
If you're a defined benefit member and you want to apply to access your super early, please contact us.
Need help? Contact our benefit payments team.
Understanding your options
during a difficult time
If you’re going through a tough time, you may be able to access your super in the following situations.
Compassionate grounds
The Australian Taxation Office (ATO) may allow you to withdraw funds from your super account on compassionate grounds if you, or a dependant, require medical or palliative care, a home or a vehicle modification due to a severe disability, or you need to pay for funeral expenses. To access your super under compassionate grounds, you need to apply directly to the ATO. If they approve your application, they’ll send us the required documentation before we can release your funds.
Terminal illness or total and permanent disability
We understand that being diagnosed with a terminal illness or a total and permanent disability is a heartbreaking situation. Depending on your condition, you may be able to access some, or all, of your super. If you have insurance within your super, you may be able to claim this too. Contact us to discuss your options.
To access your super on compassionate grounds, you’ll need to meet the conditions set out by the ATO, which primarily relate to an inability to pay for specified expenses. These include the following:
1. For medical or dental treatment or transport
To use your super to help fund medical or dental treatment, or transport to and from these treatments for you or your dependant, the condition must be
- a life-threatening illness or injury
- acute or chronic physical pain, or
- acute or chronic mental condition.
The treatment must not be readily available through the public health system, and the cost of treatment must not be completely covered by private health insurance or workers compensation.
2. For assistance with mortgage repayments
You may be granted early access to your super to prevent your home from being sold by the lender holding the home’s mortgage.
Typically, you won’t be granted early access to super to pay rent, or to make a payment on a mortgage that:
- you expect to have difficulty paying in the future but is not yet in arrears
- is in arrears, but not to the extent that the lender has decided to sell
- belongs to a dependant, other family member or friend
- is for a second or investment property.
3. For modifications to your home or motor vehicle
If either you, or your dependant, has a severe disability, you may be granted early access to your super to pay for modifications required to accommodate special needs.
4. For care for a terminal medical condition
If either you, or your dependant, has a terminal condition, you may be granted early access to your super to pay for palliative care.
5. For expenses relating to the death of a dependant
You may be granted early access to your super to assist with funeral, burial, cremation and other expenses related to the death of a dependant. However, family members who aren’t dependants aren’t covered by this condition for release. For example, expenses associated with the death of a parent, grandparent or sibling would only be approved if that family member was in an interdependent relationship with you.
Download the Access Your Super on Compassionate Grounds fact sheet to learn more.
Do you have $200 or less in your super account?
You can withdraw your super if you have under $200 in your account and:
- your employment is terminated, or
- your account is considered a lost super account.
Another option? Consider consolidating any small amounts across multiple super funds into one dedicated account to help you grow your retirement savings.
Before consolidating, compare the fees, performance, and other features of each fund and check whether you’ll lose any benefits. Importantly, if you do close an account, you may lose any insurance attached to that account.
You may find it beneficial to obtain advice from a licensed financial adviser.
