Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Industry fund
Hostplus has a broad menu spanning active diversified portfolios, indexed options, socially responsible options and Choiceplus direct investments.
Membership is generally available to people who meet Australian residence, tax residence or eligible-employment conditions. Product and insurance eligibility still apply.
Industry fund
legalsuper is aimed at the legal profession and gives members both managed investment options and a direct investment facility.
Check current employer-sponsored and personal membership terms. The account category matters when comparing fees and insurance.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | Hostplus MySuper | MySuper |
|---|---|---|
| Return basis | MySuper net return after administration costs, $50,000 representative member | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | 9.48% | 10.11% |
| 5-year return, per year | 7.46% | 7.32% |
| 7-year return, per year | 7.89% | 7.53% |
| 10-year return, per year | 8.70% | 7.90% |
| APRA strategic growth allocation | 80.35% | 77.72% |
| Reported total fees, net of tax, at $50,000 | $655 a year (1.31%) | $470 a year (0.94%) |
| Administration and advice costs, net of tax (included in total) | $120 a year | $190 a year |
| 2026 performance test | Pass | Pass |
| New-member status at reporting date | Check the current product eligibility rules | Check the current product eligibility rules |
At $50,000, the reported annual total-cost difference is $185. legalsuper's selected reporting pathway has the lower reported cost on this measure. The figures cover the year to June 2026; current prices, insurance and separately charged advice can change the comparison.
The growth allocations are 80.35% and 77.72%. A return gap can reflect different exposure to growth assets, and similar headline allocations can still contain different investments.
A performance-test pass is a benchmark result for the tested product or pathway. It is not an endorsement or a guarantee of future performance.
Source: APRA Comprehensive Product Performance Package 2026, published 28 August 2026. Fees reflect the reporting year to 30 June 2026, are net of tax, use standard arrangements and exclude member-activity fees. Dollar figures are rounded. They are not a current quote. Check the latest PDS for changes, insurance premiums and any separately charged advice.
Returns are annualised historical results. Different return bases, risk levels and periods cannot be treated as interchangeable. MySuper net returns use a $50,000 representative balance even when you change the fee balance. A lifecycle stage return does not track a person moving between stages. Missing figures mean not reported, not zero. Past returns do not predict future returns. Read our method and APRA's definitions.
| What to compare | Hostplus | legalsuper |
|---|---|---|
| Membership and access | Membership is generally available to people who meet Australian residence, tax residence or eligible-employment conditions. Product and insurance eligibility still apply. Sources6 | Check current employer-sponsored and personal membership terms. The account category matters when comparing fees and insurance. Sources1234 |
| Accounts and products | Hostplus super, Pension and Transition to Retirement products. Hostplus super Hostplus Pension Hostplus Transition to Retirement Choiceplus direct investment option CPIplus pension investment option Sources7 | Superannuation, pension and transition-to-retirement pension. Sources1234 |
| Investment choices | Balanced The menu includes diversified active and indexed options, sector investments and socially responsible options. Choiceplus allows eligible members to buy selected ASX 300 shares, ETFs, listed investment companies and term deposits. The low investment cost of an indexed option should not be confused with the price of the default Balanced option. Sources12 | Members can choose managed options. Eligible accounts can also use the Direct Investment Option for ASX300 shares, selected ETFs, listed investment companies and term deposits. Sources1234 |
| Insurance | Eligible members can receive default death and TPD insurance. Hostplus tells members to check their current cover and cost in the account and review whether the amount meets their needs. Premiums reduce the balance left for retirement. Sources4 | The fund has insurance options for its membership. Compare the actual policy and occupation category, rather than treating a legal-industry label or award as proof of value. Sources1234 |
| Retirement income | Hostplus has Pension and Transition to Retirement accounts. Pension members can use Choiceplus and CPIplus, but those two options are not available in the TTR account. CPIplus aims for a predetermined return above inflation for a stated return period; its terms need separate reading. Sources25 | Pension members have a managed menu and can access direct investment subject to its rules. Transition-to-retirement pension members cannot use the Direct Investment Option. Sources1234 |
| Advice and support | Hostplus offers access to financial planners and identifies separate advice costs and eligibility conditions for services such as SuperSmart. Ask what is covered in the membership fee and what requires an additional payment. Sources4 | The fund provides member information and support. Personal financial advice should have a clear scope and agreed fee; only eligible super-related advice fees may be paid from the account. Sources1234 |
| Fee details to check | Hostplus publishes a cost-of-product figure for each option. Use that full figure and its assumptions, then account for insurance and direct-investment costs. Its investment costs are estimates based on prior experience; a very low indexed investment fee is not the total account charge. Sources3 | Direct investing adds its own administration and other costs to the ordinary product schedule. Include these when comparing it with a pooled option or another direct-share facility. Sources1234 |
| Comparing investment performance | Compare the exact portfolio and asset allocation. Hostplus's pension option pages publish returns net of investment fees and costs, with administration and other fees still applying. A pension return should not be placed next to a taxed accumulation return without explanation. Show Balanced and Indexed Balanced as separate options. Avoid ranking the whole fund using the cheapest investment option's fee. Sources2 | A member who holds direct securities has a personal portfolio return. It is not meaningful to assign the MySuper return to that portfolio. Sources1234 |
THE SUPERGURU VIEW
Hostplus is particularly useful when the question is how much investment choice you want. Its indexed range gives cost-conscious members something concrete to compare, while Choiceplus serves a more involved investor. Check the default separately; the existence of a low-cost option does not mean you are invested in it.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Worth examining for legal professionals or eligible members who want more investment control and will use the direct menu.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
Use the membership rules to establish which accounts are available to you. Then compare the total price of the investment option and cover you need. A lower fee or higher historical return alone does not tell you which fund is suitable.
Ask both funds to confirm insurance acceptance, exclusions, waiting periods and whether cover would change when you leave your employer. Obtain advice before giving up a defined benefit or an insurance policy you may not be able to replace. ASIC Moneysmart explains the comparison checks.
Read the full Hostplus profile · Read the full legalsuper profile · Choose another comparison
Checked 2026-09-11. Documents and product terms can change after this date.
Checked 2026-09-11. Documents and product terms can change after this date.