Pensions Sector

The pension sector comprises private occupational pension plans registered under the Insurance Act Chap 84:01. The assets of this sector represent a significant portion of the total assets of the financial sector of Trinidad and Tobago. As at July 2014, pension plan assets totaled approximately $45.8 billion.

A new Occupational Pensions Plan Act is being developed to update the current provisions and to ensure that pension plans are governed and regulated in accordance with international best practices.

 

Semi Annual Return Schedules for Pension Plans

Instructions to Semi Annual Return Schedules for Pension Plans

Active Pension Plans

  • Active Pension Plans List for CBTT website update
  • 3M Interamerica Inc (Trinidad and Tobago Division) Pension Fund Plan
  • A.S. Bryden & Sons (Trinidad) Limited Pension Fund Plan
  • Aegis Business Solutions Limited Pension Plan
  • Agostini Insurance Brokers Limited Pension Fund Plan
  • Agostini’s Limited Retirement Plan
  • Airports Authority Pension Fund Plan
  • Albrosco Limited Staff Pension Plan
  • Amenable Habitat Limited Pension Fund Plan
  • Amoco Trinidad Oil Company Pension Fund Plan
  • Angostura Bitters (Dr. J.G.B Siegert & Sons) Limited Pension Fund Plan
  • Ansa McAl Limited Pension Fund Plan
  • Ansa McAl Pension Fund Plan
  • Anthony N. Sabga Limited Pension Fund Plan
  • Armour's Funeral Home Limited Pension Fund Plan
  • ASA Wright Nature Centre Pension Fund Plan
  • Ashland Trinidad and Tobago Limited Pension Fund Plan
  • Associated Brands Limited Group Pension Fund Plan
  • Atlantic LNG Pension Fund Plan
  • B.W.I.A. Pilots Pension Fund Plan
  • Bank of Commerce of Trinidad and Tobago Limited Retirement Plan
  • Barbados Mutual Life Assurance Society Employees Pension Scheme
  • Baroid Trinidad Services Limited Staff Pension Fund Plan
  • Bawodes Limited Pension Fund Plan
  • Berger Paints Trinidad Limited Monthly-Paid Pension Plan
  • Berger Paints Trinidad Limited Weekly-Paid Pension Plan
  • Bermudez Biscuit Company Limited Staff Pension Fund Plan
  • BG Trinidad and Tobago Limited Pension Fund Plan
  • Bishop Anstey High School East/Trinity College East Pension Fund Plan
  • British American Insurance Company (Trinidad) Limited Pension Fund Plan
  • British High Commission Pension Fund Plan
  • BWIA General Staff Pension Fund Plan
  • C.B.P. Limited Pension Plan
  • C.M.B. Packaging Trinidad Limited Pension Fund Plan
  • Caribbean Airlines Limited Pension Fund Plan
  • Caribbean Industrial Research Institute Pension Fund Plan
  • Caribbean Packaging Industries Limited Pension Fund Plan for Junior Staff Employees
  • Central Bank of Trinidad and Tobago Pension Scheme
  • Century Eslon Limited Pension Fund Plan
  • Citibank (Trinidad and Tobago) Limited Pension Fund Plan
  • Clark and Battoo Limited Staff Pension Fund Plan
  • Coca Cola Bottling (Trinidad and Tobago) Pension Fund Plan
  • Colonial Fire and General Insurance Company Limited Pension Fund Plan
  • Colonial Life Insurance Company (Trinidad) Limited Staff Pension Fund Plan
  • Consolidated Insurance Consultants Limited Pension Fund Plan
  • Coopers and Lybrand Pension Fund Plan
  • CPI Limited Defined Contribution Pension Plan
  • CUNA Caribbean Insurance Society Pension Fund Plan
  • Development Finance Limited Pension Fund Plan
  • E&Y Services Limited Pension Fund Plan
  • Envirotec Holdings Limited Pension Fund Plan
  • EOG Resources Trinidad Limited Employees Pension Fund Plan
  • Eric Solis Marketing Limited Staff Pension Fund Plan
  • F.T. Farfan and Sons Limited Pension Fund Plan
  • Ferreira Optical Limited Pension Fund Plan
  • First Citizens Bank Pension Fund Plan
  • Fujitsu ICL Caribbean (Trinidad) Limited Pension Fund Plan
  • Furness Trinidad Limited Pension Fund Plan
  • Grace Kennedy Trinidad and Tobago Limited Pension Fund Plan
  • Gulf Engineering Services Limited Pension Fund Plan
  • Gulf Insurance Limited Pension Fund Plan
  • Guyana and Trinidad Mutual Fire Insurance Company Limited Pension Fund Plan
  • H.S. Services Limited Pension Fund Plan
  • Halliburton Trinidad Limited Pension Fund Plan
  • Hand Arnold (Trinidad) Limited Employees Pension Scheme
  • Home Construction Limited Staff Pension Fund Plan
  • Hydro Agri Trinidad Limited Salaried Employees Pension Plan
  • IBM World Trade Corporation (Trinidad Branch) Retirement Plan
  • Insurance Brokers West Indian Limited Pension Fund Plan
  • J.N. Harriman and Company Limited Pension Fund Plan
  • J.T.A. Supermarkets Limited Pension Fund Plan
  • Janouras Custom Design Limited Pension Plan
  • Johnson & Johnson (Trinidad) Limited Staff Pension Fund Plan
  • Joseph Charles Bottling Works and Investments Limited Pension Fund Plan
  • Junior Schools Limited Staff Pension Plan
  • L.J. Williams Pension Fund Plan
  • Lake Asphalt of Trinidad and Tobago (1978) Limited Employees’ Pension Plan
  • Lake Asphalt of Trinidad and Tobago (1978) Limited Staff Pension Plan
  • Lange Trinidad Limited Pension Fund Plan
  • Laughlin and DeGannes and Associate Companies Pension Fund Plan
  • Lazzari and Sampson Limited Pension Fund Plan
  • Lever Brothers (West Indies) Limited Pension Fund Plan
  • Lifestyle Motors Limited Pension Fund Plan
  • Lonsdale/Saatchi and Saatchi Advertising Limited Staff Pension Fund Plan
  • Mainstream Foods Limited Pension Fund Plan
  • Maritime Life (Caribbean) Limited Pension Fund Plan
  • Master Mix of Trinidad and Tobago Limited Pension Fund Plan
  • Mc Cann Erickson (Trinidad) Limited Pension Fund Plan
  • Mega Insurance Company Limited Pension Fund Plan
  • Mittal Steel Point Lisas Limited Employees’ Pension Fund Plan
  • MTS Pension Fund Plan
  • NALIS Pension Fund Plan
  • National Flour Mills Limited Pension Fund Plan
  • National Gas Company of Trinidad and Tobago Limited Pension Fund Plan
  • National Helicopter Services Limited Pension Fund Plan
  • National Insurance Board Pension Fund Plan
  • National Insurance Property Development Company Limited Pension Fund Plan
  • National Union of Government and Federated Workers Officers Pension Fund Plan
  • National Union of Government and Federated Workers Staff Pension Fund Plan
  • Navarro's Shipping Limited Pension Fund Plan
  • Neal & Massy Wood Group Limited Pension Plan
  • Neal and Massy Group Pension Fund Plan
  • Nestle Trinidad Limited Senior Staff Pension Fund Plan
  • Nestle Unionized Employees Pension Fund Plan
  • NIHERST Pension Fund Plan
  • Oilfield Workers Trade Union Staff Pension Fund Plan
  • PCS Nitrogen Trinidad Limited Pension Fund Plan I
  • Pepsi Cola Trinidad Bottling Company Limited Pension Fund Plan
  • Petrotrin Employees’ Pension Plan
  • Phoenix Park Gas Processors Limited Staff Pension Fund Plan
  • Point Lisas Industrial Port Development Corporation Limited Pension Fund Plan
  • Port Authority of Trinidad and Tobago Daily Paid Pension Fund Plan
  • Port Authority of Trinidad and Tobago Monthly Paid Pension Fund Plan
  • Prestige Holdings Limited Pension Fund Plan
  • Print - A - Pak Limited Pension Fund Plan
  • RBP Elevator and Escalator Limited Pension Fund Plan
  • RBC Financial (Caribbean) Pension Fund Plan
  • Rentokil Initial (Trinidad) Limited Pension Fund Plan
  • Repsol E&P T&T Limited Pension Fund Plan
  • Republic Bank of Trinidad and Tobago Limited Pension Fund Plan
  • Rhand Credit Union Co-operative Society Limited Staff Pension Fund Plan
  • Scotiabank Trinidad and Tobago Limited Pension Fund Plan
  • Sealand Services Incorporative Pension Fund Plan
  • Servol Limited Pension Fund Plan
  • Small Business Development Company Limited Staff Pension Fund Plan
  • Southern Medical Clinic Limited Pension Fund Plan
  • Southern Sales and Services Company Limited Pension Fund Plan
  • Stellar Distributions (Trinidad) Staff Pension Fund Plan
  • T. Geddes Grant Limited Pension Fund Plan
  • T. Geddes Grant (Trinidad) Staff Savings Pension Fund Plan
  • Tatil Life Sales Representatives Pension Fund Plan
  • TECU Credit Union Co-operative Society Limited Pension Fund Plan
  • Telecommunications Services of Trinidad and Tobago Limited Pension Fund Plan
  • Texaco (Trinidad) Limited Staff Retirement Plan
  • The Beacon Insurance Company Limited Pension Fund Plan for Monthly and Weekly Paid Employees
  • The FirstCaribbean International Bank (Trinidad & Tobago) Limited Pension Plan
  • The Group Pension Fund Plan for Non-Professional Employees of Fitzstone Limited
  • The Group Pension Plan for the Managerial Employees of American Life and General Insurance Company (Trinidad and Tobago) Limited
  • The Group Pension Plan for the Non-Managerial Employees of American Life and General Insurance Company (Trinidad and Tobago) Limited
  • The Group Pension Scheme for the Agents of American Life and General Insurance Company (Trinidad) Limited
  • The Guardian Defined Benefit Pension Fund Plan
  • The Guardian Holdings Group Defined Contribution Pension Plan
  • The Home Mortgage Bank Pension Fund Plan
  • The Incorporated Trustees of the Anglican Church in the Dioceses of Trinidad and Tobago Pension Fund Plan
  • The Institute of Marine Affairs Pension Fund Plan
  • The Myerson Tooth Company Limited Pension Fund Plan
  • The Regional Health Authorities Pension Fund Plan
  • The Synod of the Presbyterian Church in Trinidad Pension Fund Plan
  • The Trinidad and Tobago Stock Exchange Pension Fund Plan
  • The University of the West Indies (St. Augustine) Staff Pension Fund Plan
  • Thomas Peake and Company Limited Pension Fund Plan
  • Trinidad and Tobago Bureau of Standards Staff Pension Fund Plan
  • Trinidad and Tobago Civil Aviation Authority Pension Fund Plan
  • Trinidad and Tobago Electricity Commission Pension Fund Plan
  • Trinidad and Tobago Electricity Commission Provident Fund
  • Trinidad and Tobago Methanol Company Limited Pension Fund Plan
  • Trinidad and Tobago Mortgage Finance Company Limited Pension Fund Plan
  • Trinidad and Tobago National Petroleum Marketing Company Limited Pension Plan I
  • Trinidad and Tobago National Petroleum Marketing Company Limited Pension Plan II
  • Trinidad and Tobago Petroleum Company Limited Staff Pension Fund Plan
  • Trinidad and Tobago Pilots Association Pension Plan
  • Trinidad and Tobago Port Contractors Limited Staff Pension Plan
  • Trinidad and Tobago Solid Waste Management Company Limited Pension Fund Plan
  • Trinidad and Tobago Telephone Company Limited Staff Pension Fund Plan
  • Trinidad and Tobago Unit Trust Corporation Pension Fund Plan
  • Trinidad Building and Loan Association Pension Fund Plan
  • Trinidad Cement Limited Employees Pension Fund Plan
  • Trinidad Concrete Products Limited Pension Fund Plan
  • Trinidad Contractors Limited Pension Plan
  • Trinidad Express Newspapers Limited Pension Fund Plan
  • Trinidad Hilton Pension Fund Plan
  • Trinidad Nitrogen Company Limited Staff Pension Fund Plan
  • Trinidad Ropeworks Limited Retirement Plan for Employees
  • Trinidad Systems Limited Pension Plan
  • Trinrico Steel & Wire Products Limited Pension Fund Plan
  • Trintoplan Consultants Limited Staff Pension Fund Plan
  • Tucker Energy Services Holdings Limited Pension Plan
  • U M Bulk Liquids Trinidad Limited Pension Plan
  • Unicomer (Trinidad) Limited Pension Fund Plan
  • Unilever Caribbean Limited Hourly Rated Employees Pension Plan
  • United States of America Embassy in Trinidad and Tobago Pension Fund Plan
  • Water and Sewerage Authority Daily Rated Employees Pension Fund Plan
  • West Indian Tobacco Company Limited Staff Pension Fund Plan
  • Western Scientific Company Limited Pension Fund Plan
  • William H Scott Limited Pension Fund Plan
  • Y. De Lima and Company Limited Pension Fund Plan
  • Youth Training and Employment Partnership Programme Limited Pension Fund Plan

Pension Plans in the process of being Wound-Up

  • All Trinidad Sugar and General Workers Trade Union Pension Fund Plan
  • Aviation Services Trinidad and Tobago Limited Pension Fund Plan
  • Bel Air International Airport Hotel Limited Pension Fund Plan
  • B.H. Rose Limited Pension Fund Plan
  • Bottlers Limited Pension Fund Plan
  • Bristol Myers Squibb (West Indies) Limited Pension Fund Plan
  • British Airways Pension Fund Plan
  • BWIA (Limited) Pilots Provident Fund
  • BWIA Limited General Staff Provident Fund
  • C. Lloyd Trestrail & Co. Limited Pension Fund Plan
  • Caribbean Packaging Industries Limited Pension Fund Plan for Senior Staff
  • Caribbean Services Company Limited Pension Plan
  • Caroni (1967) Limited Pension Fund Plan
  • Caroni (1975) Limited Daily Paid Employees Contributory Pension Fund Plan
  • Caroni (1975) Limited Employees Pension Fund Plan
  • Clico Investment Bank Limited Staff Pension Fund Plan
  • Cliffs and Associates Limited Pension Fund Plan
  • Coates Brothers (Caribbean) Limited Pension Fund Plan
  • Coconut Growers Association Pension Fund Plan
  • Colgate Palmolive (Caribbean) Inc. Pension Fund Plan
  • Colonial Life Insurance Company (Trinidad) Limited Agents Pension Fund Plan
  • Corbin Compton Limited Staff Pension Fund Plan
  • Crown Life Caribbean Limited Employees Pension Fund Plan
  • CTC Electronics Limited Pension Fund Plan
  • Diego Martin Credit Union Cooperative Society Limited Staff Pension Fund Plan
  • Electrotec Services Limited Pension Fund Plan
  • Employers Consultative Association Pension Fund Plan
  • F.W. Woolworth Limited Pension Fund Plan
  • General Building and Loan Association Staff Pension Fund Plan
  • George Wimpey Caribbean Limited Pension Fund Plan
  • GlobalSantaFe South America LLC Pension Fund Plan
  • Goellnicht and Stollmeyer (Marketing) Limited Pension Fund Plan
  • Gordon Grant Staff Pension Fund Plan
  • Guardian Life of the Caribbean Limited Pension Fund Plan
  • Heineken Trinidad and Tobago Limited Pension Fund Plan
  • Hydro Agri Trinidad Limited Hourly Paid Employees Pension Plan
  • Industrial Development Corporation Pension Fund Plan
  • Inglefield Ogilvy & Mather Caribbean Pension Fund Plan
  • Insurance Consultants Limited Pension Fund Plan
  • International Loss Adjusters Limited Pension Fund Plan
  • International Trust Limited Pension Plan
  • Label House Limited Staff Pension Fund Plan
  • Life of Barbados Pension Fund Plan
  • Medianet Limited Monthly Paid Staff Pension Fund Plan
  • National Agro Chemicals Pension Fund Plan
  • National Broadcasting Services of Trinidad and Tobago Pension Fund Plan
  • Nationwide Staff "A" Pension Fund Plan
  • Nationwide Staff "B" Pension Fund Plan
  • Nationwide Staff "C" Pension Fund Plan
  • Orange Grove National Company Limited Pension Fund Plan
  • PCS Nitrogen Pension Fund Plan 2
  • Penta Paints Caribbean Limited Pension and Widows Benefit Scheme
  • Perreira & Company Limited Staff Pension Plan
  • Premier Consolidated Oilfields Limited Pension Fund Plan
  • Pres-T-Con Limited Pension Fund Plan
  • PricewaterhouseCoopers Limited Pension Fund Plan
  • Rediffusion (Trinidad) Limited Pension Fund Plan
  • Reinsurance Company of Trinidad and Tobago Limited Pension Fund Plan
  • Royal Caribbean Insurance Limited Staff Pension Fund Plan
  • Santana Services Limited Pension Fund Plan
  • Selco Limited Pension Fund Plan
  • Sherwin Williams (Caribbean) N.V. Pension Fund Plan
  • Sissons Paints Limited Staff Pension Fund Plan
  • Smith International Inc. Pension Fund Plan
  • Stephens and Ross Limited Pension Fund Plan
  • Super Chem Pension Fund Plan
  • Swan Hunter Trinidad Limited Pension Fund Plan
  • TEXTEL Pension Plan
  • The National Commercial Bank of Trinidad and Tobago Pension Scheme
  • The Shipping Corporation of Trinidad and Tobago Limited Pension Fund Plan
  • Tourism & Industrial Development Company of Trinidad & Tobago Pension Fund Plan
  • Toyota Trinidad and Tobago Staff Pension Fund Plan
  • Trinidad & Tobago Forest Products Limited Staff Pension Fund Plan
  • Trinidad and Tobago BWIA International Airways Pension Fund Plan
  • Trinidad and Tobago Chamber of Commerce Pension Fund Plan
  • Trinidad and Tobago Export Development Corporation Pension Fund Plan
  • Trinidad and Tobago Oil Company Limited Contributory Pension Fund A
  • Trinidad and Tobago Oil Company Limited Contributory Pension Fund B
  • Trinidad and Tobago Oil Company Limited Employees Benefit Plan
  • Trinidad and Tobago Oil Company Limited Local Provident Fund
  • Trinidad and Tobago Oil Company Limited Non Contributory Pension Fund
  • Trinidad and Tobago Oil Company Staff Retirement Plan
  • Trinidad and Tobago Petroleum Company Limited Employees Pension Fund Plan
  • Trinidad and Tobago Printing and Packaging Company Pension Fund Plan
  • Trinidad and Tobago Television Company Limited Pension Fund Plan
  • Trinidad Broadcasting Company Limited Pension Fund Plan
  • Trinidad Shipping Company Limited Retirement Pension Fund Plan
  • Trinidad Textile Manufacturing Company Limited Pension Fund Plan
  • Trinmar Employees Benefit Pension Plan
  • Van Leer Containers Trinidad Limited Pension Fund Plan
  • West Indian National Insurance Company Pension Fund Plan
  • Workers Bank (1989) Limited Pension Fund Plan
  • Yorke Structures Limited Pension Fund Plan

Registration Requirements

LAWS OF TRINIDAD AND TOBAGO
Insurance Chap. 84:01

FOURTH SCHEDULE
[Section 175(1)]

PART I

Requirements as to the Trust Deed and Rules of Registered Pension Fund Plans

1. The Trust Deed and Rules of a plan qualified for registration under this Act shall make provision for the following matters:

  1. the whole of the objects for which the plan is established;
  2. the appointment and removal of trustees;
  3. the vesting in the trustees of all property belonging to the plan;
  4. the investment in the names of the trustees of all capital moneys belonging to the plan and for authorizing the
    investments, if any, in addition to those authorized by law, in which the trustees may invest such moneys; but the Rules of a plan may provide for the deposit of such moneys with a bank;
  5. the making of contributions to the plan by the employers of persons employed in the undertaking or combination of undertakings in connection with which the plan is established;
  6. the contributions payable to and the rates of benefits payable from the fund or the method of calculating benefits so payable;
  7. the conditions on which persons may become and may cease to be contributors to and entitled to benefits from the fund;
  8. the protection of the vested rights of contributors to the plan;
  9. the preparation of all statements of accounts, balance sheets and reports required by this Act to be prepared;
  10. the supply (on demand) to every person having any rights in the plan, being a person who is or has been employed in the undertaking in connection with which the plan is established, of a copy of the Rules of the plan and of all amendments thereof, and of the latest statements of accounts, balance-sheets and report prepared in accordance with the requirements of this Act;
  11. the circumstances in which the plan may be wound up and in the event of winding up the use of the plan to purchase immediate annuities for contingent pensioners;
  12. the method by which the Rules may be amended.

2. The second part of the report shall contain the following information:

  1. general observations regarding mortality, withdrawal and retirement from service and progression of salary during
    intervaluation period and general observations on any other factors entering into the valuation;
  2. a description of the mortality and all other rates used (specimen rates to be shown in an appendix to the report);
  3. average rates of interest realized by the assets of the fund whether invested or not during each year in the intervaluation period;
  4. the rate of interest assumed in the calculations for purpose of the valuation;
  5. a statement indicating.
    1. whether and how it has been secured that the estimated net liability in respect of any employer is not negative;
    2. the amount of and the reason for any special reserves which have been set up.

(3) The final part of the report shall contain information about the results of the valuation, an analysis of the surplus or deficiency shown and a recommendation as to how much of the surplus can be regarded as disposable, or, if a deficiency, the manner in which the deficiency can be liquidated.

(4) The report shall close with any further observations the actuary may wish to offer on the valuation.