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CPI + 2.5%

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.

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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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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.

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*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. 

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CPI + 2.5%

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.

Learn more

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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  • Opening an employer account
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Manage your super on the go with the Hostplus Members app

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CPI + 2.5%

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.

Learn more

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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CPI + 2.5%

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.

Learn more

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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Manage your super on the go with the Hostplus Members app

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Manage your super on the go with the Hostplus Members app

Learn more-dev
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  1. Home Member
  2. Employers
  3. Why choose Hostplus
  4. Super for self-employed and sole traders

Super for
self-employed and sole traders

If you are self-employed, paying yourself super could be a smart choice to set yourself up for a positive future in retirement. Find out how you can start contributing to a Hostplus super account – your future self will thank you.  

Join Hostplus
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  • Do I need to pay myself super if I’m self-employed?
  • Why join Hostplus?
  • How to pay yourself super
  • Need some help?

Do I need to pay myself super if I’m self-employed?

If you’re a sole trader or in a partnership, you can choose to pay yourself super. Even if it's not a legal requirement, investing in your future can make a big difference come retirement.

Spending a few minutes today can pave the way for a much brighter future. Join Hostplus in less than five minutes and start paying yourself super today. 

Why should I contribute to my super?

There are positive benefits to saving for your retirement:

  • Pay less tax. Super contributions are taxed at 15% so, depending on your income, contributing to super could help you save tax. 
  • Get better returns. Superannuation investments generally perform better than other interest-bearing accounts, which means faster growth over time.1
  • Grow your savings. Small amounts invested consistently have the potential to grow over time – that’s the magic of compounding returns.

As an extra incentive, if you earn less than $60,400 a year and make after-tax contributions to your super, you might be eligible for the government’s co-contribution scheme. If you qualify, a maximum of $500 could be paid directly into your super each year.

By starting early and staying focused on your retirement goals, you’re giving yourself the best chance to achieve financial stability.

How to pay yourself super

If you haven't already, join Hostplus. During this process you'll be prompted to consider your investment choice and insurance preferences.

Join Hostplus

As someone who’s self-employed, you decide how much to contribute – and it can be as much or as little as you like. A good starting point? Choosing a consistent amount or percentage to contribute. Bear in mind that you can only contribute a maximum of $30,000 of your before-tax income, but you can also choose to make after-tax contributions of up to $120,000.

If you're self employed, you can pay yourself super when it suits your business – you don’t have a mandatory payment dates. You can set up regular contributions from your before-tax income, or transfer a lump sum from your after-tax savings. 

Use BPAY to make the payment – you can find your unique BPAY details in Member Online or the Hostplus app.

If you’ve paid yourself super from your after-tax salary, you can claim a tax deduction. There are some eligibility rules, but in most cases you can simply log in to your Hostplus account and complete a 'Notice of intent to claim a tax deduction' form. If you do claim a deduction, these contributions will count towards your $30,000 concessional contribution cap.

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Why join Hostplus?

At Hostplus, we put our members first. We're focussed on maximising your investment returns and putting more money in your pocket.

Strong long-term performance

Our award-winning2 investment options have delivered consistent, long-term returns, with one of the lowest admin fees of any MySuper product.3 That’s more to invest in your future.

Investment choices

We know that everyone’s situation and goals are different. That's why we offer a wide range of quality investment options - from high growth to indexed, SRI, defensive and more - so you can choose the best investment for you.

Quality insurance

Insurance is particularly important when you’re self-employed. By joining Hostplus, you may be eligible to access our competitively-priced income protection, total and permanent disablement (TPD) and death cover.

Expert financial advice

Need help with planning for your future? Our qualified financial planners can help you achieve your goals. Hostplus offers financial advice by phone, online and in person in every state and territory.

Need some help?

Our expert team is here to answer your questions and give you the support you need.

Phone

Call us on
1300 467 875.

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Connect with our team using our online form.

Send enquiry

1. Past performance is not a reliable indicator of future performance.

2. Awards and ratings are only one factor to consider when choosing a super fund. Visit hostplus.com.au/awards to learn more about our awards.

3. Other fees and costs apply. Refer to the relevant PDS for more information. Hostplus Balanced (MySuper) investment option compared to SuperRatings fee data for public offer MySuper products extracted from SMART platform on 29 July 2025. Comparison is based on the total administration fees and costs assuming a $50k account balance.

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This website is issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL 244392 as trustee for the Hostplus Superannuation Fund (Hostplus) ABN 68 657 495 890, MySuper No 68657495890198. Hostplus Self-Managed Invest (SMI) is issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL 244392 as trustee for the Hostplus Pooled Superannuation Trust (PST) ABN 13 140 019 340. The website contains general advice only and does not take into account your personal objectives, financial situation or needs. You should consider if this information is appropriate for you in light of your circumstances before acting on it. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund. Please read the relevant Hostplus Product Disclosure Statement (PDS) or Hostplus SMI PDS before making a decision about Hostplus. For a description of the target market, please read the Target Market Determination (TMD), available at hostplus.com.au. You can view detailed disclaimers here. Hostplus has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of financial advice to members of Hostplus via Hostplus financial planners and the web-based product SuperSmart. Hostplus financial planners are Authorised Representatives of IFS and fees may apply for personal financial advice; for further information about the cost of personal advice, you can speak with your Hostplus financial planner or visit our website hostplus.com.au. Information to help you decide whether you want to use personal financial advice services being offered is set out in the relevant IFS Financial Services Guide, copies are available from your Hostplus financial planner or SuperSmart. 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. If you’re unable to access an applicable SuperSmart advice journey, please contact us 1300 303 188 and we can help you with other options.

Awards and ratings are only one factor to be taken into account when choosing a super fund. Hostplus pays licence fees to use these awards. Visit hostplus.com.au/awards for awards criteria and disclaimers. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC.