Information icon

We are experiencing some disruptions to our telephone services and are working to resolve this as quickly as possible. Member Online and our mobile app services are still available here

Skip to main content
Home – Hostplus logo
Hostplus Pty Ltd Program
  • Members
  • Employers
  • Advisers
  • SMSF
Contact us
Search
  • Super

  • Why choose Hostplus?
  • Compare Hostplus
  • Our fees and costs
  • Your future, your super
  • Salarylink
  • Maritime Super merger
  • Your investment options

  • Compare investment options
  • Choiceplus direct investment option
  • How we invest
  • Our investment performance
  • Investment returns
  • MySuper dashboard
  • Investment holdings
  • Insurance

  • Death and total & permanent disablement
  • Income protection insurance
  • Personal super insurance
  • Parental leave premium waiver
  • Specific life events insurance
  • Important changes to your insurance in super
  • Tools and resources
  • Important information about insurance at Hostplus
  • Financial planning and advice

  • Financial advice options
  • SuperSmart learning and advice
  • Retirement planning
  • Book an appointment
  • Live webinars
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.

  • Learning Hub
  • Educational videos
  • Super basics
  • Retirement learning hub
  • Know your investments
  • Investment case studies
  • Live webinars
  • Recorded Webinars
  • SuperSmart learning and advice
  • Women and super

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.

Learn more

*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. 

  • Grow and manage your super

  • First Home Super Saver Scheme
  • Consolidate your super
  • Voluntary contributions
  • Find your lost super
  • Life changes

  • Changing jobs
  • Starting a family
  • Access your super early
  • Leaving Australia
  • Thinking about retirement
  • Nominate a beneficiary
  • Manage your insurance

  • Transfer your insurance cover
  • Making a claim
  • Manage your pension
  • Tools to manage your super
  • Forms and resources
Colleagues having a casual discussion in a co-working office environment, featuring a smiling manager and a relaxed atmosphere.

We’ve improved our insurance cover

More savings, better protection for eligible members

Learn more
  • Retirement

  • Why retire with Hostplus?
  • Plan and prepare for retirement

  • Access your super
  • How much super do you need?
  • Age pension and super
  • Aged care services
  • Retirement income

  • Open a retirement account
  • Pension account
  • Pension investment options
  • Transition to retirement account
  • TTR investment options
  • Choiceplus direct investment option
  • CPIplus
  • Forms and resources

  • Retirement calculator
  • Retirement learning hub
  • Webinars
  • Retirement income strategy
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.

  • Forms and resources
  • Retirement calculator
  • SuperSmart learning and advice
  • Supporting our members
  • First Nations peoples and Hostplus

Our notice of intent to claim a tax deduction (NOITC) service is available online

Simply log in to Member Online, navigate to ‘Super’ in the top menu, and select
‘Claim a tax deduction’.  

Log in to Member Online
  • 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.

Manage your super on the go with the Hostplus Members app

Learn more-dev
  • 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.

search mobile

Hostplus for Members

Hostplus for Employers

Hostplus for Advisers

Hostplus for SMSF
Contact us

Our products and services

  • Super

  • Why choose Hostplus?
  • Compare Hostplus
  • Our fees and costs
  • Your future, your super
  • Salarylink
  • Maritime Super merger
  • Your investment options

  • Compare investment options
  • Choiceplus direct investment option
  • How we invest
  • Our investment performance
  • Investment returns
  • MySuper dashboard
  • Investment holdings
  • Insurance

  • Death and total & permanent disablement
  • Income protection insurance
  • Personal super insurance
  • Parental leave premium waiver
  • Specific life events insurance
  • Important changes to your insurance in super
  • Tools and resources
  • Important information about insurance at Hostplus
  • Financial planning and advice

  • Financial advice options
  • SuperSmart learning and advice
  • Retirement planning
  • Book an appointment
  • Live webinars
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.

Learning Hub

  • Learning Hub
  • Educational videos
  • Super basics
  • Retirement learning hub
  • Know your investments
  • Investment case studies
  • Live webinars
  • Recorded Webinars
  • SuperSmart learning and advice
  • Women and super

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.

Learn more

*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. 

Manage your super

  • Grow and manage your super

  • First Home Super Saver Scheme
  • Consolidate your super
  • Voluntary contributions
  • Find your lost super
  • Life changes

  • Changing jobs
  • Starting a family
  • Access your super early
  • Leaving Australia
  • Thinking about retirement
  • Nominate a beneficiary
  • Manage your insurance

  • Transfer your insurance cover
  • Making a claim
  • Manage your pension
  • Tools to manage your super
  • Forms and resources
Colleagues having a casual discussion in a co-working office environment, featuring a smiling manager and a relaxed atmosphere.

We’ve improved our insurance cover

More savings, better protection for eligible members

Learn more

Retirement

  • Retirement

  • Why retire with Hostplus?
  • Plan and prepare for retirement

  • Access your super
  • How much super do you need?
  • Age pension and super
  • Aged care services
  • Retirement income

  • Open a retirement account
  • Pension account
  • Pension investment options
  • Transition to retirement account
  • TTR investment options
  • Choiceplus direct investment option
  • CPIplus
  • Forms and resources

  • Retirement calculator
  • Retirement learning hub
  • Webinars
  • Retirement income strategy
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.

Forms and resources

  • Forms and resources
  • Retirement calculator
  • SuperSmart learning and advice
  • Supporting our members
  • First Nations peoples and Hostplus

Our notice of intent to claim a tax deduction (NOITC) service is available online

Simply log in to Member Online, navigate to ‘Super’ in the top menu, and select
‘Claim a tax deduction’.  

Log in to Member Online
  • 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.

Manage your super on the go with the Hostplus Members app

Learn more-dev
Download the Hostplus App
  • 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.

testing

Why choose Hostplus

  • Why choose Hostplus

  • Opening an employer account
  • Make Hostplus your default fund
  • Super for employers
  • Super for franchises
  • Super for self-employed and sole traders
  • Super for accountants and bookkeepers
  • Meet the Employer Support Team

Your responsibilities

  • Your responsibilities

  • Understanding Your Future, Your Super
  • Super for self-employed and sole traders
  • Payday super

How to make payments

  • How to make payments

  • Register for QuickSuper

Tools and resources

  • Tools and resources

  • FAQs
  • 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.

Manage your super on the go with the Hostplus Members app

Learn more-dev
Download the Hostplus App
  • 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.

testing

Why Hostplus

  • Why Hostplus

  • Register with Hostplus
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.

Product and fee information for advisers

  • Product and fee information for advisers

  • Retirement
  • Self-Managed Invest (SMI)
  • Insurance
  • Pricing and performance
  • Lonsec ratings
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.

Tools and resources

  • Tools and resources

  • Information for advisers
  • Adviser support
  • Adviser webinars
  • Frequently Asked Questions
  • Adviser Online Tech Support

News and insights

  • News and insights
  • Log into Adviser Online

    Your access to authorised member, adviser details and resources

  • Create SMI client applications

    Create and manage SMI applications for your clients

  • Manage existing SMI clients

    View and transact on your clients’ SMI accounts

Download the Hostplus App
  • Adviser Online

    Register as an adviser for Hostplus.

  • SMI Adviser Portal

    Register as an adviser for Hostplus SMI.

Investment options

  • Investment options

Pricing and performance

  • Pricing and performance

Tools and resources

  • Tools and resources

  • FAQs
  • SMI enquiries

News, resources & insights

  • News, resources & insights

Join

  • 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.

Manage your super on the go with the Hostplus Members app

Learn more-dev
Download the Hostplus App
  • 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.

testing

Our company

Careers

  • 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.

Manage your super on the go with the Hostplus Members app

Learn more-dev
Download the Hostplus App
  • 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.

Manage your super on the go with the Hostplus Members app

Learn more-dev
Download the Hostplus App
  • 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.

Login
Join
  1. Home Member
  2. Members
  3. Manage your super
  4. Life changes
  5. Thinking about retirement

Thinking about
retirement 

What does your dream retirement look like? It could be travelling the world, spending more time with the grandkids or reigniting a much-loved hobby. If you’re starting to think about retirement, you might already be on your way to a positive financial future – or you might still have some work to do. Here are some key steps you can take to get you on the right track. 

Log in to your account
canva-romantic-couple-with-dog-beach
Female friends laughing and walking along the lake

When can you access your super?

While it’s entirely up to you when you finish up working, you typically won’t be able to access your super until you reach age 60.  

 

Learn about retirement

Knowledge is power, so learning about retirement can help you approach your planning with confidence. We’ve got the information you need. 

Understand retirement
Retired man at home playing chess with his family

Calculate how much money you'll need

Understanding how much money you’ll need is an all-important step when you start thinking about retirement. This number is different for everyone, but what does it look like for you? Our Retirement Projection Calculator can help you work out if you need to boost your super savings to achieve your dream retirement.

Go to Retirement Projection Calculator

Get expert advice

Planning for the financial aspects of retirement can be complex. There’s no hard and fast rule, as everyone’s lifestyle, situation and finances are different. That’s where expert advice can help.

Our experts can help you to start planning for your retirement and make the best possible decisions based on your situation. Get advice on:

  • Setting goals: How do you picture your retirement?
  • Facing facts: How realistic are your goals and will you have enough money to reach them?
  • Building a plan: How will you get from where you are to where you want to be?
  • Taking action: What do you need to do to implement your plan?
  • Staying on track: Are you getting closer to achieving your goals? 
Explore financial advice services
Colleagues talking over business report
Let’s build your future together. Log in to learn more about your retirement savings.
Log in to Member Online
200194805-003

Boost your retirement savings

No matter where you are in your retirement planning journey, it could be a good time to boost your super through additional contributions, salary sacrifice and even government contributions (subject to eligibility).  

Learn about voluntary contributions

Consider the details

If you’re getting closer to retirement, it may be time to start planning for your next stage in life. From transitioning to retirement to income options and pension accounts, we’ve got tools and resources to support you on your way. 

Plan your retirement
Mature businessman making notes while sitting at cafe. Senior man at modern coffee shop working.

Explore further

  • Compare Hostplus

    Learn more
  • Awards

    Learn more
    Couple of spectators taking selfie while cheering their sports team from a stadium. Cheerful man and woman fans taking selfie while watching match in stadium.
  • Financial planning and advice

    Learn more
    Colleagues talking over business report

Need help?

Contact us via phone, chat or email

  • About us
  • Careers
  • News
  • Forms and resources
  • FAQs
  • Feedback
A future full
Of positivity
That’s a plus

© 2024 Hostplus. All rights reserved.

Hostplus won awards
  • Privacy
  • Disclaimer
  • Financial Services Guide
  • Transparency Information
  • Design and Distribution Obligations

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.