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Pensions Sector

Pension Sector Resources

Circular Letters and Notices

Draft & Consultation Documents

Guidelines

Legislation

Pensions Sector

The Central Bank of Trinidad and Tobago is responsible for the registration and supervision of pension plans established under trust, in accordance with the Insurance Act, 2018 (previously the Insurance Act, Chap 84:01). This supervisory role supports the Central Bank’s broader mandate to foster stability and confidence in the local financial system.

In fulfilling this mandate, the Central Bank ensures that Trustees and other individuals responsible for the operation of pensions plans, comply with the legislative requirements of the Insurance Act. Beyond regulatory compliance, the Central Bank actively promotes the adoption of internationally recognized best practices within the pensions sector.

To support this, the Central Bank has issued several key guidelines, including Pension Plan Governance, Communication with Members, and Procedures for Amending a Pension Plan’s Trust Deed and Rules. These guidelines are available on the Pension Sector Resources page of our website.

Information on the pension sector is published in the Central Bank’s annual Financial Stability Reports. The sectorial information published typically include the quantum of registered plans and the total amount of assets they own, a breakdown of the total assets by asset classes, and a discussion on the trends impacting the pensions sector.

Registration Requirements

A.S. Bryden & Sons (Trinidad) Limited Pension Fund 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 DC Pension 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
Associated Brands Limited Group Pension Fund Plan
Atlantic LNG Pension Fund Plan
Bank of Commerce of Trinidad and Tobago Limited Retirement Plan
Bawodes Limited Pension Fund Plan
Bermudez Biscuit Company Limited Staff Pension Fund Plan
Bermudez Biscuit Company Limited Weekly Paid Staff Pension Plan
Bishop Anstey High School East/Trinity College East Pension Fund Plan
BP Trinidad and Tobago LLC Defined Contribution Pension 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
Chaguaramas Development Authority Pension 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
Collier Morrison Belgrave Limited Pension Plan
Colonial Fire and General Insurance Company Limited Pension Fund Plan
Consolidated Insurance Consultants Limited Pension Fund Plan
CPI Limited Defined Contribution Pension Plan
CUNA Caribbean Insurance Society Pension Fund Plan
Demerara Life Assurance Company of T&T Limited Sales Staff Pension Fund Plan
Development Finance 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
Guardian Defined Benefit Pension Fund Plan
Guardian Holdings Group Defined Contribution Pension Plan
Gulf Engineering Services Limited Pension Fund Plan
Gulf Insurance Limited Pension Fund Plan
H.S. Services Limited Pension Fund Plan
Halliburton Trinidad Limited Pension Fund Plan
Hand Arnold (Trinidad) Limited Employees Pension Scheme
HDC Daily-Rated Pension Fund Plan
HDC Monthly-Paid Pension Fund Plan
Home Construction Limited Staff Pension Fund Plan
Hydro Agri Trinidad Limited Salaried Employees Pension Plan
IBM World Trade Corporation (Trinidad Branch) Retirement Plan
J.N. Harriman and Company Limited Pension Fund Plan
J.T.A. Supermarkets Limited Pension Fund Plan
Janouras Custom Design Limited Pension Plan
Joseph Charles Bottling Works and Investments Limited Pension Fund Plan
Junior Schools Limited Staff Pension Plan
KPMG 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
Lifestyle Motors Limited Pension Fund Plan
Lonsdale/Saatchi and Saatchi Advertising Limited Staff 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
MTS Pension Fund Plan
NALIS Pension Fund Plan
National Flour Mills Limited Pension Fund Plan
NGC 2019 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
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
PWC 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 Angostura Limited Defined Contribution Staff Pension Fund Plan
Repsol E&P T&T Limited Pension Fund Plan
Repsol Exploración Tobago, S.A. Defined Contribution Pension Fund Plan
Republic Bank of Trinidad and Tobago Limited Pension Fund Plan
Rotoplastics (Trinidad) Limited Pension Plan
Sagicor Life Inc. Employee Pension Plan
Saongroup Defined Contribution Pension Fund Plan
Schlumberger Trinidad Inc. Pension Plan
Scotiabank Trinidad and Tobago Limited Pension Fund Plan
Sealand Services Incorporative Pension Fund Plan
Servol Limited Pension Fund Plan
Shell Trinidad & Tobago Limited Defines Contribution Pension Plan (formerly BG Trinidad & Tobago Limited Defined Contribution Pension Plan)
Shell Trinidad and Tobago 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
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 Authority of Trinidad and Tobago Pension Plan
Telecommunications Services of Trinidad and Tobago Limited Pension Fund 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 Guyana and Trinidad Mutual Fire Insurance Company Limited Pension Fund Plan
The Home Mortgage Bank Pension Fund Plan
The Institute of Marine Affairs Pension Fund Plan
The Myerson Tooth Company Limited Pension Fund Plan
The National Schools Dietary Services Limited Pension Plan
The Regional Health Authorities 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 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 Fund Plan
Trinidad and Tobago Securities and Exchange Commission 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 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
Unilever Caribbean Limited Monthly-Rated Employees’ Pension Fund
United States of America Embassy in Trinidad and Tobago Pension Fund Plan
Victor E. Mouttet Limited 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
Y. De Lima and Company Limited Pension Fund Plan
Youth Training and Employment Partnership Programme Limited Pension Fund Plan

3M Interamerica Inc (Trinidad and Tobago Division) Pension Fund Plan
Aegis Business Solutions Limited Pension Plan
All Trinidad Sugar and General Workers Trade Union Pension Fund Plan
Ashland Trinidad and Tobago Limited Pension Fund Plan
Baroid Trinidad Services Limited Staff Pension Fund Plan
Berger Paints Trinidad Limited Monthly-Paid Pension Plan
Berger Paints Trinidad Limited Pension Plan for Weekly Paid Employees
Bottlers Limited Pension Fund Plan
British American Insurance Company (Trinidad) Limited Pension Fund Plan
British High Commission Pension Fund Plan
BWIA General Staff Pension Fund Plan
BWIA Limited General Staff Provident Fund
B.W.I.A. Pilots Pension Fund Plan
C. Lloyd Trestrail & Co. Limited Pension Fund Plan
Caribbean Services Company Limited Pension Plan
Caroni (1967) Limited Pension Fund Plan
Century Eslon Limited Pension Fund Plan
Clico Investment Bank Limited Staff Pension Fund Plan
Coconut Growers Association Pension Fund Plan
Colonial Life Insurance Company (Trinidad) Limited Agents Pension Fund Plan
Colonial Life Insurance Company (Trinidad) Limited Staff Pension Fund Plan
Crown Life Caribbean Limited Employees Pension Fund Plan
CTC Electronics Limited Pension Fund Plan
Ernst & Young Services Limited Pension Fund Plan
First Citizens Investment Services Limited Pension Plan
F.W. Woolworth Limited Pension Fund Plan
GlobalSantaFe South America LLC Pension Fund Plan
Guardian Life of the Caribbean Limited Pension Fund Plan
Heineken Trinidad and Tobago Limited Pension Fund Plan
Industrial Development Corporation Pension Fund Plan
Inglefield Ogilvy & Mather Caribbean Pension Fund Plan
Insurance Brokers West Indian Limited Pension Fund Plan
Johnson & Johnson (Trinidad) Limited Staff Pension Fund Plan
Life of Barbados Pension Fund Plan
Mainstream Foods Limited Pension Fund Plan
Metal Box of Trinidad Limited Retirement Plan
Mittal Steel Point Lisas Limited Employees’ Pension Fund Plan
Moore Trinidad Limited Pension Plan
National Agro Chemicals Pension Fund Plan
National Broadcasting Services of Trinidad and Tobago Pension Fund Plan
Penta Paints Caribbean Limited Pension and Widows Benefit Scheme
Pepsi Cola Trinidad Bottling Company Limited Pension Fund Plan
Print – A – Pak Limited Pension Fund Plan
Reinsurance Company of Trinidad and Tobago Limited Pension Fund Plan
Rhand Credit Union Co-operative Society Limited Staff Pension Fund Plan
Royal Caribbean Insurance Limited Staff Pension Fund Plan
Sissons Paints Limited Staff Pension Fund Plan
Stellar Distributions (Trinidad) Staff Pension Fund Plan
TEXTEL Pension Plan
The Incorporated Trustees of the Anglican Church in the Diocese of Trinidad and Tobago Pension Fund Plan
The Shipping Corporation of Trinidad and Tobago Limited Pension Fund Plan
The Synod of the Presbyterian Church in Trinidad Pension Fund Plan
Toyota Trinidad and Tobago 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 Local Provident Fund
Trinidad and Tobago Printing and Packaging Company Pension Fund Plan
Trinidad and Tobago Solid Waste Management Company Limited Pension Fund Plan
Trinidad and Tobago Television Company Limited Pension Fund Plan
Trinidad Contractors Limited Pension Plan
Trinidad Shipping Company Limited Retirement Pension Fund Plan
Van Leer Containers Trinidad Limited Pension Fund Plan
West Indian National Insurance Company Pension Fund Plan William H Scott Limited Pension Plan Yorke Structures Limited Pension Fund Plan