HostPlus super

Hostplus is an industry super fund with strong past-performance returns and low fees

Hostplus is an Australian industry super fund with a focus on the hospitality, tourism, events and sporting sectors; however, anyone is welcome to join. Hostplus is well-known for its consistently strong performance returns. As it's an industry fund, all profits go back into the fund to benefit members.

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Alison Banney

Last Updated Sep 10, 2020

2.01%

Past performance - 1 year

8.47%

Past performance - 5 Years

$641.76

Annual fees on $50k balance

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Details

Details

Product Name	HostPlus Balanced
Past performance - 5 Years	8.47%
Annual admin fee	$91.76 p.a.
Insurance included	Death,TPD,Salary Continuance
Number of members	1,300,000

Performance figures quoted on this page are correct to December 2020, according to Chant West. Investment returns are not guaranteed. Past performance is not a reliable indicator of future returns.

Alison Banney

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Alison Banney is the banking and investments editor at Finder. She has written about finance for over seven years, with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business. She has previously worked at Westpac, and has written for several other major banks including BCU, Greater Bank and Gateway Credit Union. Alison has a Bachelor of Communications from Newcastle University, with a double major in Journalism and Public Relations. She has ASIC RG146 compliance certificates for Financial Advice, Securities and Managed Investments and Superannuation. Outside of Finder, you’ll likely find her somewhere near the ocean.

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 12 investment options. Choose between five 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?

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.	High	Growth assets: 76% Defensive assets: 24%
Capital Stable This is the lowest risk portfolio option, offering more reliable returns.	Low to medium	Growth assets: 34% Defensive assets: 66%
Conservative Balanced This portfolio invests in growth and defensive assets equally, offering some growth plus the safety of cash.	Medium to high	Growth assets: 54% Defensive assets: 46%
Socially Responsible Investment (SRI) Balanced This portfolio invests in companies that make a positive social and environmental impact.	High	Growth assets: 72% Defensive assets: 28%
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.	High	Growth assets: 75% Defensive assets: 25%
Shares Plus This is the highest risk option and invests heavily in Australian and international shares.	High	Growth assets: 89% Defensive assets: 11%

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.

High

Growth assets: 76%

Defensive assets: 24%

Capital Stable

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

Low to medium

Growth assets: 34%

Defensive assets: 66%

Conservative Balanced

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

Medium to high

Growth assets: 54%

Defensive assets: 46%

Socially Responsible Investment (SRI) Balanced

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

High

Growth assets: 72%

Defensive assets: 28%

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.

High

Growth assets: 75%

Defensive assets: 25%

Shares Plus

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

High

Growth assets: 89%

Defensive assets: 11%

*Exact asset allocation may differ slightly.

Hostplus Life

Another option instead of any of the pre-mixed portfolios above is the Hostplus Life option. This investment options is managed on your behalf and invests your super in the above pre-mixed options according to your age. As you get older, your super will be moved between the investment portfolios above to reduce your level of risk as you get closer to retirement.

Sector investment option	Risk	Benchmark asset allocation
Cash This option includes term deposits and savings accounts.	Very low	Cash: 100%
Diversified Fixed Interest This option includes corporate and government bonds.	Medium to high	Fixed income: 100%
Property This options includes residential and commercial property and buildings.	High	Property: 100%
Australian Shares This option includes only companies listed in Australia.	High	Australian shares: 100%
International Shares This option includes companies listed on international exchanges in both emerging and developed markets.	Very high	International shares: 100%
International shares - Indexed This option includes international shares via products like ETFs.	Very high	International shares: 100%
International Shares (Hedged) - Indexed This option invests in shares hedged against currency price movements.	Very High	International shares: 100%

What fees does Hostplus charge?

The following fees apply annually to members invested in the default MySuper option, which is the Balanced pre-mixed option.

Admin fees. $91.76 per year
Investment fees (including indirect cost ratio). 1.1% of account balance per year
Calculate annual fee on $50,000 balance. $641.76

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 Comments

Terencel
October 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)?

finder Customer Care

Faye
October 19, 2019

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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