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Learn about super

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The best thing we’ve ever done in planning our retirement is seeking the advice from Hostplus.

Comprehensive personal advice could help you get on track to a future full of positivity. 

Forms and resources

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Join Hostplus

Capital Stable

Capital

Depending on where you are in life and how much risk you want to take, Capital Stable might be the right option for you. It’s our lowest risk diversified pre-mixed option.

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At a glance (Accumulation)

Investment time frame
5 years +
Level of investment risk
Low to medium
Likelihood of negative returns
Growth/defensive allocation
38% growth / 62% defensive
Total investment fees and costs*
0.57% p.a.
Return target
CPI + 2.0% p.a. over 20 years
Net return^
4.30%

* Investment costs are based on estimated and actual information from the previous financial year. The costs payable in future years may be higher or lower. Administration and other fees also apply. For a full breakdown of fees and costs, see our fees and costs page or Section 6 of the Member Guide.
^ Investment return over 10 years to 31 October 2023, net of investment fees and costs. Administration and other costs apply. Returns won’t display for options younger than 10 years. See the investment returns page for returns over all available periods.

A lower-risk option

If you’re looking for Hostplus’ lowest-risk pre-mixed investment option, then Capital Stable may be for you. Compared to our Balanced option, Capital Stable invests less in growth assets such as shares, and more in fixed interest and cash.

A diversified mix of assets

Capital Stable is a pre-mixed option, meaning it invests in different types of assets, including fixed interest, cash, listed equities, property, infrastructure, private equity, credit and alternatives.

A strong performer

The Capital Stable option has delivered above-median investment returns over 20 years, compared to other capital stable options tracked by SuperRatings .1 And that’s after all investment fees and taxes have been paid.

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Who is Capital Stable suitable for?

Members with a five years–plus investment time frame who are seeking the lowest risk diversified pre-mixed option.

Capital Stable has been designed for members seeking a much lower allocation to growth assets such as equities (shares) and a much higher allocation to defensive assets such as fixed interest and cash, compared to the Balanced option.

Our target

Asset mix

Asset class Benchmark Range 
Australian shares 8% 0–30% 
International shares (developed markets) 8% 0–30% 
International shares (emerging markets) 3% 0–10% 
Property 11% 0–25% 
Infrastructure 11% 0–25% 
Private equity 1%0–10% 
Credit 6%0–20% 
Alternatives 6%0–20% 
Diversified fixed interest 25%10–50%
Cash 21%10–50%

 

Head to Member Online to choose the investment option that’s right for you.

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Performance

Accumulation

This table shows the 12-month net return for our Capital Stable option at 30 June each year. The net return is the money the investment has earned, minus investment costs and taxes.2

Year20182019202020212022
Return 7.14% 3.65%-1.46%8.61%-0.96%

This table shows the average net return for our Capital Stable option over 3, 5 and 10 years to 30 June 2022.2

Year3 years5 years10 years
Average return (p.a.) 1.96% 3.31%5.09%

Ready to join? Online applications only take five minutes.

Or call us on 1300 467 875 8am – 8pm (AEST/AEDT), Monday to Friday. 


1. Source: SuperRatings Accumulation Fund Crediting Rate Survey – SR50 Capital Stable (20–40) Index, March 2023. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.
2. Administration and other fees also apply. For a full breakdown of fees and costs, see our fees and costs page or Section 6 of the Member Guide. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.