Hostplus vs Australian Retirement Trust
Side-by-side comparison of the two funds on the numbers that actually matter: long-term net return, fees at your balance, asset mix, and insurance defaults.
| Metric | Hostplus | Australian Retirement Trust | Winner |
|---|---|---|---|
| 10-year net return (MySuper) | 8.20% | 7.70% | Hostplus |
| Annual fee at $50,000 | $563 | $410 | Australian Retirement Trust |
| Annual fee at $250,000 | $2,503 | $1,810 | Australian Retirement Trust |
| MySuper product | Balanced | Lifecycle | |
| Asset mix (MySuper) | Growth 76 / Defensive 24 | Lifecycle — de-risks with age | |
| Assets under management | $115B+ | $290B+ | |
| Members | 1.7M+ | 2.4M+ | |
| APRA assessment | Performing | Performing | |
| Choice options | 16 | 14 |
Which is better for you?
Over 10 years, Hostplus has outperformed by roughly 0.50 percentage points per year. On a $250,000 balance held for 20 years at the average return, a 1 p.p. return gap compounds to roughly $90,000 — so even small return differences add up.
On fees, at a $50,000 balance Australian Retirement Trust is cheaper ($153 difference per year). At a $250,000 balance the fee winner is Australian Retirement Trust. The percentage component of fees matters more as balance grows.
Hostplus is better if
- Strongest 10-year return among the large industry funds
- Indexed Balanced option (0.06% + admin) — one of the cheapest in Australia
- Wide range of Choice options including sector sleeves
Australian Retirement Trust is better if
- Lifecycle default automatically de-risks as you approach retirement
- Merger scale has driven fees down
- Strong retirement-phase product suite
Things neither fund fixes
- Performance test results change yearly — check the APRA heatmap before you decide
- Default insurance may not match your actual cover needs
- Switching funds cancels your existing insurance — check health status first
Full fund reviews
Read the complete reviews: Hostplus · Australian Retirement Trust. Or use the compare-funds tool to add any pair and your own balance.
General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.