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
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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.
-
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.
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.
Wind down your workload,
not your lifestyle
What can I do to transition to retirement?
If you’re looking to scale back your work hours but don’t want to reduce your income, you could utilise a Hostplus Transition to Retirement (TTR) account.
A TTR account lets you invest your super and draw a regular income while you’re still working, giving you time to get ready for life’s next big adventure. To be eligible, you need to have reached your preservation age (typically between the ages of 55 and 60) and have a minimum of $10,000 to invest.
Save more
By drawing an income from your TTR account, you can use your current wage to increase your super contributions (subject to contribution caps) and potentially reduce your tax. Your employer will also continue to make super contributions, which helps to offset any money you take out of your account.
Make an
informed choice
Learn more about a Hostplus Transition to Retirement account in our detailed guides.
Get ready for a positive future with a Hostplus Transition to Retirement account
It takes about 20 minutes to apply for a Hostplus TTR account online, or you can call us on 1300 348 546 to discuss your options.
Have a question about
transitioning
to retirement?
TTR accounts are available to all super fund members who’ve reached their preservation age but are still working. You must invest a minimum of $10,000 from your current super fund.
Temporary residents are unable to access TTR accounts.
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 |
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.
On 1 July 2017, the Australian government introduced the ‘transfer balance cap’. The cap (currently $1.9 million) is a lifetime limit on the total amount of super that can be transferred to retirement income streams. This includes Hostplus retirement accounts.
Head to the ATO website to learn more about the transfer balance cap.
The Australian Government has set guidelines around the minimum you can withdraw each year. You can read more about the guidelines in the Pension Guide.
A maximum annual income limit also applies to TTR accounts. This is 10% of your account balance at the beginning of each financial year, or on the start date of your TTR account in its first year.
You won’t be able make lump sum withdrawals out of a TTR account until you meet a condition of release, except for any unrestricted non-preserved component.
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.
