HostPlus

HostPlus super review | Performance, features and fees

Hostplus is an industry super fund open to all members with strong returns and low-fee indexed investment options.

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Hostplus super options

You'll automatically be placed in the Balanced fund, which is the default MySuper option, when you join. After joining you're able to switch to another investment option at any time.

Name Product Last 1 year performance (p.a.) Last 3 year performance (p.a.) Last 5 year performance (p.a.) Last 10 year performance (p.a.) Fees on $50k balance (p.a.)

HostPlus Balanced

HostPlus Balanced
+21.32%
+8.34%
+10.12%
+9.68%
$641
HostPlus is an industry super fund open to all Australians with a focus on the hospitality and retail sector. The Balanced fund invests your super in a range of assets and is designed for high long-term growth.

Hostplus Diversified Fixed Interest

Hostplus Diversified Fixed Interest
-0.4%
+2.82%
+3.33%
+5.42%
$151

Hostplus Conserv Balanced

Hostplus Conserv Balanced
+14.19%
+6.2%
+7.7%
+7.62%
$446

Hostplus Cap Stable

Hostplus Cap Stable
+8.61%
+3.52%
+5.06%
+5.74%
$361

Hostplus Aust Shares

Hostplus Aust Shares
+28.74%
+9.12%
+11.46%
+10.12%
$466

Hostplus Property

Hostplus Property
+7.78%
+5.23%
+7.22%
+7.55%
$596

Hostplus Shares Plus

Hostplus Shares Plus
+26%
+10.53%
+12.28%
+10.65%
$591

Hostplus Int'l Shares

Hostplus Int'l Shares
+30.15%
+13.72%
+15.49%
+12.23%
$491

Hostplus Indexed Balanced

Hostplus Indexed Balanced
+18.88%
+8.93%
+9.33%
+9.21%
$121

Hostplus Socially Responsible Investment Balanced

Hostplus Socially Responsible Investment Balanced
+21.82%
+8.86%
New Fund
New Fund
$596
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The information in the table is based on data provided by Chant West Pty Ltd (AFSL 255320) which is itself supplied by third parties. While such information is believed to be accurate, Chant West does not accept responsibility for any inaccuracy in such information. Chant West’s Financial Services Guide is available at https://www.chantwest.com.au/financial-services-guide . Finder offers no guarantees or warranties about the data and we recommend that users make their own enquiries before relying on this information. Performance, fees and insurance data is based on each fund's default MySuper product. Where the performance, fees and insurance data for the MySuper fund vary according to the member's age, results for individuals between 40-49 years of age have been shown. Past performance is not a reliable indicator of future performance.

What are the key features of Hostplus?

  • Industry super fund. Hostplus is an industry super fund, which means it's run to benefit members rather than shareholders. It began as a fund for the hospitality, tourism and sporting sector; however, anyone is now free to join.
  • Choose from 13 investment options. Choose between six pre-mixed investment portfolios or seven single asset classes.
  • MySuper investment option. The Balanced option is the default low-fee, no-frills MySuper option for members who don't wish to choose their own investment option.
  • Ethical investments available. There's a socially responsible option available that invests in companies with a positive social and environmental impact.
  • Default insurance cover. Eligible members receive automatic death and total permanent disablement (TPD) cover.
  • Consolidate your super online. You can opt to consolidate your existing super into your new Hostplus account when joining or any time after you've joined by logging into your online portal.

What investment options are available with Hostplus?

You can choose from a range of pre-mixed investment portfolios, or build your own portfolio with the single sector options.

Option 1: Pre-mixed investment portfolios

Choose between a range of ready-made diversified investment portfolios and let Hostplus take care of the rest. Each portfolio offers a different mix of high-risk growth assets and low-risk defensive assets. As such, each portfolio carries a different risk level. You can see what assets are classed as growth and defensive below:

  • Growth assets: Australian and international shares, private equity, infrastructure and property, alternatives.
  • Defensive assets: Infrastructure, property, fixed income and cash (such as term deposits).

If you don't want to make a choice, you'll be placed in the Balanced option, which is the authorised MySuper option.

Portfolio Risk level Benchmark asset allocation
Balanced (MySuper)

This is the default option. It invests in more growth assets and aims to deliver consistent, high returns over the long term.

HighGrowth assets: 75%

Defensive assets: 25%

Capital Stable

This is the lowest risk portfolio option, offering more reliable returns.

Low to mediumGrowth assets: 32.5%

Defensive assets: 67.5%

Conservative Balanced

This portfolio invests in growth and defensive assets equally, offering some growth plus the safety of cash.

Medium to highGrowth assets: 51%

Defensive assets: 49%

Socially Responsible Investment (SRI) Balanced

This portfolio invests in companies that make a positive social and environmental impact.

HighGrowth assets: 70%

Defensive assets: 30%

Indexed Balanced

This portfolio invests in more growth assets than defensive assets, but unlike the Balanced option, it does not invest in property or infrastructure.

HighGrowth assets: 75%

Defensive assets: 25%

Shares Plus

This is the highest risk option and invests heavily in Australian and international shares.

HighGrowth assets: 86%

Defensive assets: 14%

Option 2: Sector investment options

You can create your own portfolio using a mix of these single asset class options.

Sector investment option Risk Benchmark asset allocation
Cash

This option includes term deposits and savings accounts.

Very lowCash: 100%
Diversified Fixed Interest

This option includes corporate and government bonds.

Medium to highFixed income: 100%
Property

This options includes residential and commercial property and buildings.

HighProperty: 100%
Australian Shares

This option includes only companies listed in Australia.

HighAustralian shares: 100%
International Shares

This option includes companies listed on international exchanges in both emerging and developed markets.

Very highInternational shares: 100%
International shares - Indexed

This option includes international shares via products like ETFs.

Very highInternational shares: 100%
International Shares (Hedged) - Indexed

This option invests in shares hedged against currency price movements.

Very HighInternational shares: 100%

What insurance options are available with Hostplus?

You'll receive the following insurance automatically when you join Hostplus, provided you have no pre-existing conditions:

  • Death. This is paid to your beneficiary (usually your spouse or a member of your immediate family) in the event of your unexpected death.
  • Total and permanent disability (TPD). This is paid to you in the event you become disabled and can no longer work.

You can increase, reduce or cancel your cover altogether at any time after joining Hostplus. You also have the option of adding income protection insurance and life insurance cover at any point.

How do I join Hostplus?

You can join Hostplus online on the Hostplus website. The application process is simple and should take you less than 20 minutes to complete.

As well as your full name and date of birth, make sure you have the following details handy before you start the application:

  • Your Australian residential address
  • Your phone number and email address
  • Your tax file number (TFN)
  • Your chosen investment option and insurance cover
  • Details of your existing super fund if you'd like to consolidate your funds during the application process

Once your application has been completed successfully, you'll receive your membership details by email.

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2 Responses

    Default Gravatar
    TerencelOctober 17, 2019

    Most industry funds advertise an annual fee of roughly $550-650 for, say a balanced fund, based on an investment of $50,000. Can I rightly assume that larger amounts have fee scales as direct multiples of the number of $50K aliquots in the investment or is there some other form of sliding scale relative to the larger amounts?
    For instance, if an investment is $3M would the annual fee be automatically 60 times x the base figure (60×550=$33000)?

      Avatarfinder Customer Care
      FayeOctober 19, 2019Staff

      Hi Terencel,

      Thanks for contacting Finder.

      It is best to contact and confirm with HostPlus directly to find out what they are charging you. You can also check with them other important factors like the fee scales, returns, risk and the services the fund provides.

      Kind Regards,
      Faye

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