r/fiaustralia•
xAkatsukii

New to investing, should I switch super from Rest to HostPlus?

Getting Started

Hi all,

I am very close to finishing my degree and hopefully working full time. Although my super balance is only around 10k currently, I'm hoping to get Super right before I start salary sacrificing as a first step to FI eventually. I'm currently 25.

At the moment, I'm with Rest's balanced-indexed option, and I've realised the defensive allocation isn't ideal for me as I want to maximise growth. For their 100% growth-indexed options, Rest only offers Australia-only or overseas-only, compared to HostPlus' high growth, which combines Aus & Int shares.

With that in mind, do you think it's worthwhile for me to switch to HostPlus? I've read a lot of people recommend it on this subreddit, but I wonder if that's just because of Pape recommending it.

I am also curious about Vanguard's Lifecycle super option (which has had much better returns compared to HostPlus' "Life" option from what I can see), since I love the set-and-forget approach. I haven't seen as much discussion around these options, and would love any thoughts/opinions.

Thanks in advance.

Posted Jun 23, 2025, 4:27 AM UTC

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