Our products and services
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.
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.
Learn about super
Heading - with a recommended limit of about 100 more text again
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.
Manage your super
TEST 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.
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.
Retirement
Retired and looking for more certainty over your returns?
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Not available for Transitions to Retirement Pensions.
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Forms and resources
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Member Online
Enter your Member Number and Password to access your account anytime.
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Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
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QuickSuper
Pay your employees super contributions across multiple super funds.
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Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
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Member Join
Everyone is welcome to join us as a member of our personal super plans.
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Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
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Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
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SMSF Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Why choose Hostplus
Heading - with a recommended limit of about 100 more text again
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.
Your responsibilities
Banner heading Test, That's a plus
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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.
-
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.
-
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.
-
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.
How much super do you need? | Hostplus
How much super
do you need?
Whether you’re happy with a budget lifestyle or want to be comfortable in retirement, you can retire your way with Hostplus. Here you’ll find handy information to help you enjoy a positive future in retirement. Finding out how much super you’ll need is a great starting point.
How much super
should I have for my age now?
There’s no right or wrong with retirement but knowing what your super balance should be for your age is a guide to whether you’re on track.
| Age (years) | Super balance |
|---|---|
| 25 | $18,500 |
| 30 | $59,000 |
| 35 | $101,500 |
| 40 | $156,000 |
| 45 | $213,000 |
| 50 | $281,000 |
| 55 | $361,000 |
| 60 | $453,000 |
| 65 | $549,000 |
There’s no right or wrong with retirement but knowing what your super balance should be for your age is a guide to whether you’re on track.
| Age (years) | Super balance |
|---|---|
| 25 | $18,500 |
| 30 | $59,000 |
| 35 | $101,500 |
| 40 | $156,000 |
| 45 | $213,000 |
| 50 | $281,000 |
| 55 | $361,000 |
| 60 | $453,000 |
| 65 | $549,000 |
Source: Super Guru's Super Balance Detective, accessed July 2023.
The answer this question depends on what kind of lifestyle you want. Your savings at retirement need to match your goals.
We’ve used the ASFA Retirement Standard as a guide. This says a comfortable retirement allows you to enjoy a good standard of living with a budget that includes things like:
- Private health insurance, new clothes, and a decent car
- Local holidays, social outings, exercise classes
- Home repairs, air conditioning, streaming services.
Superannuation balances required to achieve a comfortable retirement
Savings required for retirement at age 67
| Couple | Single |
|---|---|
| $690,000 | $595,000 |
The figures in each case assume that the retiree(s) own their own home and relate to expenditure by the household.
The ASFA Retirement Standard works out how much singles and couples will need to have a modest or a comfortable lifestyle.
Comfortable lifestule (p.a.)
| Modest lifestyle (p.a)
|
Hostplus
income accounts
What if I’m not
on track?
One of the simplest ways to help grow your super is by making additional contributions on top of what your employer pays.
You might be able to pay extra money into your super in a few different ways (subject to eligibility rules).
Here’s some tips and tools to take your super off autopilot and get in control.
- Check your payslip – make sure you’re being paid your employer contributions
- Check your account in Member Online
- Combine your super accounts
- Work out your insurance needs
- Check your investment options
Get expert advice
Having a financial plan can help you make the right decisions now, to help you achieve your future goals. That’s why with Hostplus, you can access qualified financial planners, dedicated to helping you achieve your retirement goals, including making sure you have enough for retirement, and that you’re making the most out of your super.
The holistic approach considers all aspects of your financial journey, including:
- superannuation, including contributions and investment allocation
- tax-effective retirement planning, including transition to retirement
- wealth creation, including investments outside of super
- maximising cash flow, income and debt management
- maximising your government entitlements and insurance
- estate planning, and more.
