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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.  

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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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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

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  1. Home Member
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  4. Payday super

Payday Super
update

Although the Payday Super reforms won’t take effect until 2026, we’re sharing early insights to help you prepare.

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At Hostplus, we’re committed to keeping you informed about important superannuation changes, like the Payday Super reforms announced in the 2023 Federal Budget. While these changes aren't set to take effect until July 2026, we want to help you prepare for this transition. 

What is Payday Super?

Superannuation payments will change with the introduction of Payday Super from 1 July 2026. This will align Superannuation Guarantee (SG) payments with regular pay cycles. Payday Super aims to address the non-payment and underpayment of super, strengthening Australia's superannuation system and improving retirement outcomes for workers. 

What you need to know

Under the new framework, employers will need to pay SG contributions simultaneously with salary and wages, replacing the current system where super must be paid at least quarterly. Crucially, contributions must reach employees' superannuation funds within seven calendar days of payday to meet compliance requirements. 

Key changes for employers

The framework proposes several changes designed to facilitate the transition. 

Revised rules around an employee’s choice of super fund

New responsibilities for employers aimed at streamlining and reducing the administrative burden will be introduced. These include making an employee’s existing 'stapled' fund visible during onboarding. 

Updated SuperStream standards

The SuperStream data and payment standards will be revised to improve error messaging for quick resolution of payment issues.

Updated SG charge

Employers will face an updated SG charge if they fail to pay contributions in full and on time. The size of the penalty will depend on how long and by how much the employer was non-compliant. The Australian Taxation Office (ATO) will administer compliance and provide support for these changes.

Compliance and support

The ATO will oversee compliance through enhanced monitoring systems, matching Single Touch Payroll data with superannuation fund reporting. While penalties will apply for non-compliance, the framework includes provisions for reduced penalties when employers promptly disclose any payment issues.

What happens next?

The legislative design process continues, with ongoing industry consultation to refine administrative details. This consultation period ensures all stakeholders can contribute to creating a practical and efficient system before the July 2026 implementation date. 

Our commitment to our employer partners

As your superannuation partner, we understand this change to payment processes is significant. The framework provides high-level information, but we know you need clarity on specific operational details. We'll share updates and practical guidance as more information becomes available to help you prepare for and implement these changes effectively. 

Stay connected with us as we work to make this transition as smooth as possible for you. If you have any questions, contact our dedicated business team online or by calling 1300 467 875. We're here to support our valued employers throughout this transition period and beyond. 

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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.