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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. 

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Join Hostplus

Indexed Balanced

Indexed

Looking for a simple, low-cost way to invest your retirement savings? Our Indexed Balanced investment option could be the solution you’ve been searching for.

Low cost + a history of strong long-term returns1 = clear value. That’s a plus.

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At a glance (Accumulation)

Investment time frame
5 years +
Level of investment risk
High
Likelihood of negative returns
Growth/defensive allocation
75% growth / 25% defensive
Total investment fees and costs*
0.04% p.a.
Return target
CPI + 2.5% p.a. over 20 years
Net return^
6.79%

Click here for important information about Lonsec Research Ratings.

* 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.

Low fees

Low investment fees can make a difference to your balance – and your retirement outcomes. Based on an account balance of $50,000, Indexed Balanced is one of Australia’s lowest-cost balanced investment options.

Passively managed

As a passively managed, pre-mixed portfolio, Indexed Balanced aims to track established market indices, which contributes to the cost-effectiveness of the option.

Diversified portfolio

Indexed Balanced provides exposure to international and Australian shares, international and Australian fixed interest, and cash. It invests through experienced managers such as IFM Investors and BlackRock.

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Who is Indexed Balanced suitable for?

Members with a five years–plus investment time frame who are seeking a passively managed, diversified, pre-mixed investment option.

The Indexed Balanced option has been designed for members with a primary focus on minimising fees and has the lowest total investment cost of the Hostplus pre-mixed options. This option aims to track established market indices.

Compared to our Balanced option, Indexed Balanced does not invest in unlisted assets and instead has a higher allocation to listed equities, fixed interest, and cash. 

Asset classBenchmarkRange
Australian shares                   35%                                            20-60%                                       
International shares (developed markets)                                                                                                                           40%20–60%
International shares (emerging markets) 0%0–15% 
Property 0%0% 
Infrastructure 0%0% 
Private equity 0%0% 
Credit 0%0% 
Alternatives 0%0% 
Diversified fixed interest 17%10–30% 
Cash8%0–20% 

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

Past
performance

Accumulation

This table shows the 12-month net returns for our Indexed Balanced option at 30 June each year. The net return is the money the investment has earned, minus investment costs and taxes.3

Year20182019202020212022
Return 9.60% 8.51%0.19%18.88%-5.67%

This table shows the average net returns for our Indexed Balanced option over 3, 5 and 10 years to 30 June 2022.3

Year3 years5 years10 years
Average return (p.a.) 3.95% 5.96% 8.52% 

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 Balanced (60–76) 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. The Hostplus Indexed Balanced option has one of the lowest fees of public offer funds' balanced investment options (with 60-76% growth assets) as at 31/03/2023. Fees include percentage-based and fixed administration fees, investment fees and costs (including performance-based fees). Fee comparison conducted using SuperRatings SMART 2.0 system on 19/04/2023, based on a super account balance of $50,000.

3. Investment fees and costs are based on estimated and actual information from estimates based on the previous financial year. Fees and costs payable in future years may be higher or lower. Administration and activity fees also apply. See the Product Disclosure Statement for more information.