These options invest in different combinations of asset classes. They aim to produce consistent returns over time by investing in a mix of growth assets (like shares and property) and defensive assets (like fixed interest and cash).
Choosing the right investment option is important. It's your money, after all. Our wide range of investment options allows you to invest based on your own preferences and risk appetite.
When you invest in Hostplus Transition to Retirement, your funds will be automatically invested in the Cash option – our default investment option – unless you make an investment choice.
If you’d like more control over your pension, you can choose from our pre-mixed options or our single sector options.
You can also mix and match different options to suit your investment risk profile and financial objectives.
Read our Pension Guide for more information about the terms we use to describe these options.
Learn more about a Hostplus Transition to Retirement account in our detailed guides.
It takes about 20 minutes to apply for a Hostplus TTR account online, or you can call us on 1300 348 546 to discuss your options.
The right advice can be priceless. If you want to understand the investment options that can help you meet your goals, it might be time to speak to an expert. Our specialist financial planners are here to help – so you can plan for a future full of good stuff.
To invest in a Hostplus TTR account, you must invest a minimum of $10,000 from your current super fund. You also need to be over your preservation age - see below for more information.
In most cases, superannuation benefits are released once you reach your ‘preservation age’ and are permanently retired. Your preservation age depends on when you were born.
Date of birth | Preservation age |
---|---|
Before 1 July 1960 | 55 |
1 July 1960–30 June 1961 | 56 |
1 July 1961–30 June 1962 | 57 |
1 July 1962–30 June 1963 | 58 |
1 July 1963–30 June 1964 | 59 |
After 1 July 1964 | 60 |
The Australian Government has set guidelines around the minimum you can withdraw each year, either as a lump sum or a regular income stream. You can read more about the guidelines in the Pension Guide.
There’s a maximum withdrawal limit of 10% of your TTR account balance (at the beginning of each financial year, or on the start date of your TTR account in its first year), so it’s a good idea to plan for how much you’ll need each month. If you need help, give our financial planners a call. They’re on hand to help you with all your retirement questions.
Your Hostplus TTR account may not provide an income stream for the remainder of your life. TTR payments will only be made while there is enough money in your account. How long your TTR account lasts depends on several factors, including:
The Government Age Pension is dependent on several elements such as your income and assets. These are assessed each year and/or when there is a change in your circumstances.
If you’re intending to claim the Government Age Pension as well as setting up a Hostplus TTR account, chat to one of our financial planners about your goals.
When you die, the remaining balance of your account can be paid to your spouse, dependants, estate or beneficiaries. Learn more about nominating a beneficiary.