Advice for your Hostplus account.

Accumulation admin is $1.50 a week ($78 a year) deducted from the account, plus $51.10 a year from the Administration Reserve in Hostplus’s current $50,000 example; pension admin is $4.50 a week ($234 a year) plus reserve. On $50,000, Hostplus’s official cost of product is $569.10 in Balanced and $149.10 in Indexed Balanced, because Balanced investment fees and costs are 0.88% a year and Indexed Balanced is 0.04% a year. Those figures come from Hostplus’s fees page last updated 1 July 2026, vary by option and product, and sit alongside any insurance premiums.

Hostplus is an industry fund whose default MySuper option is Balanced, and whether it suits you turns on the product and option you hold, the fee you actually pay, and any insurance on the account. Default Balanced includes unlisted assets and investment fees and costs of 0.88% a year, while Indexed Balanced is the listed-market choice at 0.04% a year. Hostplus states Balanced ranked number one versus peers over rolling 10, 15 and 20 years on SuperRatings’ SR50 Balanced 60-76 index as at May 2026, with a 10-year net return of 8.59% to 31 July 2026, and past performance is not a reliable guide to future performance.

Balanced is Hostplus’s default MySuper option: 76% growth and 24% defensive, a target mix that includes unlisted property, infrastructure, private equity, credit and alternatives, a CPI + 4% a year return target over 20 years, investment fees and costs of 0.88% a year, and a medium-to-high risk label. Indexed Balanced is a choice option: 75% growth and 25% defensive, with a current target mix of listed shares, bonds and cash (small allocations to other asset classes are permitted), a CPI + 2.5% return target, investment fees and costs of 0.04% a year, and a high risk label. Switching between them is an investment choice inside Hostplus, not a fund change; compare their current published returns on the official Hostplus option pages, remembering past performance is not a reliable guide.

Compare like with like. Hostplus Balanced (MySuper) is a different decision from Hostplus Indexed Balanced, and neither maps one-for-one onto AustralianSuper’s MySuper, indexed or Member Direct options.

On the Hostplus side, the accumulation member fee is $78 a year. Hostplus says that is among the lowest total administration costs for a $50,000 MySuper balance, on its April 2026 SuperRatings comparison. The official cost of product on $50,000 in Balanced is $569.10. There is also a cheaper indexed menu, and Choiceplus for direct shares.

If you’re happy with the account, there’s often no reason to move. If you’re not sure it still stacks up, we specialise in industry, government and corporate super funds and can benchmark Hostplus against five leading comparable funds so you can see where it stands. That includes the insurance, and whether you would actually use the indexed or Choiceplus menu you are paying to have available.

From 65 you can access Hostplus super without restriction, even if you’re still working; from 60 to 64 you can access it if you’re permanently retired or you stop working with an employer after 60; and from 60 you can draw income only through a TTR account while you keep working. Under 60, early access is limited to cases such as financial hardship, compassionate grounds through the ATO, TPD or terminal illness, the First Home Super Saver Scheme, being a temporary resident permanently departing Australia, or a balance under $200 in the cases Hostplus states. A Pension has a government minimum and no Hostplus maximum, and lump sums are generally allowed. A TTR is capped at 10% of the balance a year, and does not allow lump sums until a full condition of release — except for unrestricted non-preserved money. From 60, Hostplus Pension and TTR payments, and any allowed lump sums, are tax-free and are not reported on your tax return.

Eligible members may receive automatic Death and TPD cover once the account is at least $6,000, the member is at least 25, and contributions have arrived in the last 16 months — most members can opt in earlier, cover is age-based, and you can cancel or switch to Death-only or TPD-only at any time. If you joined online you’re a Personal Super member, and some occupations are ineligible for automatic cover; Maritime plans use separate insurance terms. Income protection is usually optional (some employers attach default IP), premiums come out of the super balance, and the insurer is MetLife (PayGuard applies for some former Intrust members).

A Hostplus TTR account lets you draw a regular income from super while you’re still working; the current Retirement Accounts PDS says you need at least $10,000 to invest and must be over 60 but under 65 and working at least 10 hours a week to open one; Hostplus separately states temporary residents can’t. You must take the government minimum each year and no more than 10% of the account balance (start of year, or start date in year one), and you can’t take lump sums until a full condition of release except unrestricted non-preserved money. Earnings are taxed at 15% until 65 or you’ve met a condition of release and told Hostplus you’ve retired; from 65 the account moves to the tax-free environment and Hostplus’s cited $2.1 million transfer balance cap is triggered, while the payments themselves are tax-free from age 60.

A Hostplus Pension turns super into an account-based income stream, once you meet a condition of release. The minimum transfer is $10,000. You cannot exceed the transfer balance cap, which Hostplus currently cites as $2.1 million. Temporary residents are not eligible. New pensions start in Cash unless you choose otherwise. Government minimums apply, there is no maximum, and lump sums are generally allowed. From 60, payments and lump sums are tax-free and earnings in pension phase are tax-free. From 10 November 2025, a Retirement Bonus may be paid when you transfer from an eligible Hostplus accumulation or TTR account into a new Pension. You need 12 months’ continuous membership and 12 months in eligible options. Hostplus’s Balanced example, as at 1 July 2026, is about $1,330 per $100,000 of average balance — an estimate only. Choiceplus, Cash and Bonds carry a nil bonus rate.

No. For Superannuation and the Personal Super Plan, the current PDS says most people living in Australia or employed by an eligible Australian employer can join, and hospitality, tourism, recreation and sport heritage doesn’t lock membership. Hostplus Executive is generally for people whose employer has chosen the plan, or if it’s in the employment agreement or award. Joining online can change your insurance even though Superannuation membership is open, because online joiners are Personal Super members, and Maritime plans publish their own documents.

Nothing. It’s a free half hour. Tell us what you’d like to discuss and we’ll explain if and how we can help, including any fees, before you decide to go ahead.