Learn more about a Hostplus Transition to Retirement account in our detailed guides.
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.
access
your super
For most working Australians, superannuation is a compulsory, long-term investment designed to provide you with savings for your retirement. Once your money is in the super system, your super fund will invest your money with the aim of growing your retirement nest egg until you’re able to access it.
When can you
Access your super?
Because your super is a way to save for retirement, there are certain rules around when you can access it.
If you’re 65 or over
You can access your super without restrictions, even if you’re still working.
If you’re 60 to 64
You can access your super if:
- you’re permanently retired
- you stop working with an employer after you turn 60.
If you’re under 60
You can access your super if you’ve reached your preservation age, and you’re permanently retired.
If you’re not ready to fully retire, you can still use some of your super by opening a Hostplus Transition to Retirement (TTR) account once you reach your preservation age.
If you haven’t reached your preservation age, you can only access your super if you meet one of the conditions for early access, such as severe financial hardship, compassionate grounds, or total and permanent disability.
How do you access your super?
Once you’re eligible to access your super, you can draw on your retirement savings through:
- an income stream, such as a Hostplus Pension account or a Hostplus Transition to Retirement account
- a lump sum payment. Apply for this through Member Online
- a combination of the above.
If you're a defined benefit member and want to access your super early, please contact us.
Need help? Contact our specialised pension team.
Retire
with confidence
Whether you’re fully retired or you’re close to it, a Hostplus Retirement account can help you make the most of your super savings by providing you with a regular income.
What’s a Transition to Retirement (TTR) account?
A TTR account lets you receive regular payments from your super (up to a maximum of 10% of your balance each year) while you’re still working. The benefits? You can cut back your working hours to spend more time doing the things you love, without cutting back your income. Or, if you’d prefer, you can keep working and make extra contributions to give your super a boost. It’s our way of making the move into retirement as seamless as possible.
What’s a Pension account?
A Pension account turns your super into a regular income. You can move funds from your Hostplus super account or roll over a benefit from another super fund. As your money stays invested, you enjoy the benefits of tax-free investment returns and flexible access to your retirement savings.
You decide how much income you’d like to receive and how often, as well as where your money’s invested (as long as you withdraw the minimum limit set by the Federal Government - see our Pension Guide for details). Any returns from your investments are applied to your account, while outgoing fees and costs and pension payments are deducted.
It’s easy to alter the amount and frequency of your payments, or to change where your funds are invested. And, in most cases, you can withdraw some, or all, of your account in a lump sum at any point through Member Online.
Your retirement, your choice
Everyone’s situation is different. It’s why a Hostplus Retirement account gives you control over your investments.
When you open a Hostplus Retirement account, your funds are automatically invested in our default Cash option. But you can choose the investment options that best suit your situation and needs.
Make an
informed choice
Get ready for a positive future with a Hostplus retirement account
It takes about 20 minutes to apply for a Hostplus retirement account online, or you can call us on 1300 348 546 to discuss your options.
Have a question
about accessing
your super?
If you’re over 60 but under 65, you can start accessing your super once you’ve stopped working for an employer. You can then return to work whenever you like. If you have more than one job, you only need to stop working at one of them to satisfy a condition of release.
If you’re over 65, you can access your super regardless of whether you’re fully retired or still working.
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 birth | Preservation age |
|---|---|
| Before 1 July 1960 | 55 |
| 1 July 1960–30 June 1961 | 56 |
| 1 July 1961–30 June 1962 | 57 |
| 1 July 1962–30 June 1963 | 58 |
| 1 July 1963–30 June 1964 | 59 |
| After 1 July 1964 | 60 |
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 have reached the preservation age and are permanently retired from the workforce.
- You have reached age 60 and terminated employment.
- You have reached age 65.
- You are totally and permanently disabled.
- You are terminally ill.
- You are an eligible dependant in receipt of a death benefit income stream.
If you’re over age 60, you will receive all your pension payments and lump sum withdrawals tax free and won’t even need to report them on your tax return. If you’re under age 60, some or all of your pension payment will be taxed like other income, with some offsets applied, so you will need to report the payments on your tax return. Your lump-sum withdrawals may also be taxable. It’s important that you refer to the Hostplus Pension Guide for more information.
If you’re over age 60, you will receive all your pension payments tax free and won’t need to report them on your tax return. If you’re under age 60, some or all of your pension payment will be taxed like other income, with some offsets applied, so you will need to report the payments on your tax return. Please refer to the pension guide for more information.
Unless you have met a condition of release, your TTR account is in the taxed environment until you reach the age of 65. This means investment earnings are taxed at 15% (unless you have retired and advised us that you have done so). There is no limit on the amount of money you can have in your TTR account while it is in this taxed environment.
After 65 years of age, your TTR account is automatically in the tax-free environment. This means that investment earnings are tax-free and the transfer balance cap is triggered. The transfer balance cap limits how much money you can have in the tax-free environment.
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.