Your retirement portfolio is actively monitored and managed by a highly qualified team of investment professionals.
Professional Investment Management
Savinvest Individual
Retirement Fund
Retirement Fund
Asset class
Equities
Minimum initial investment
TT $200.00
NAV price
$14.1208
as of 08/10/25
as of 08/10/25
Investment Style
Long-term Growth
Minimum subsequent investment
TT $200.00
Yield
3.30%
as of 08/10/25
as of 08/10/25
Fund description
The SavInvest Individual Retirement Fund is a long term investment that allows the investor the opportunity to accumulate cash for future needs and at the same time obtain significant tax benefits and superior returns.
It is a safe and sound investment with expert investment management by Bourse Securities Limited. The Fund seeks to offer an above average return over the long term.
What is the fund’s investment objective and strategy?
The Fund seeks to offer an above average return over the long term. This is achieved by investing primarily in a diversified portfolio of debt and short term securities of private and public issues. The Fund also invests in equities and other select securities in companies and industries with good growth potential and no prescribed restrictions on asset allocation, country or currency.
Plan your Estate
You can appoint or change your beneficiary at any time throughout the life of the Plan. Should you die prior to maturity, the full value of your Plan will be paid to your beneficiary – tax exempt.
Selection of Annuity provider of choice
At maturity, you have the benefit of selecting an annuity provider you feel most comfortable with.
Cost Effective
There are no upfront charges. 100% of your contributions begin working for you from DAY ONE, unlike other deferred annuity and pension fund plans.
Accumulation of wealth
The higher the contribution level, the higher will be the plan value at maturity.
Potential for Superior Returns
The Fund is a balanced portfolio and is well diversified in investments in different securities and also in TT and US currencies.
Tax Benefits
Aggregate contributions made by your Company on your behalf together with contributions made by you to individual deferred annuity plans and NIS are TAX FREE once they do not exceed 1/3 of your chargeable income or 20% of your gross emolument.
Further
Benefits
In addition to enjoying the benefits of a Retirement Fund, you will also be able to:
Choose Maturity Date
The Maturity date may be anytime between the ages of 50 to 70. Once the maturity date is selected, your Company can opt to have this changed by simply completing the required form on your behalf.
Choose the Level of Contributions
Your Company selects the contribution levels and frequency made on your behalf. Your Company can make amendments as your financial needs change by simply completing the required form.
Choose an Annuity Provider
At maturity, you have the benefit of selecting an annuity provider you feel most comfortable with.
Maturity
Payout
On the maturity date of your Individual Retirement
Fund you will receive based on your Plan Value the
following:
Lump Sum Plus Annuity
- • 25% as a tax free cash lump sum
- • 75% purchase of an immediate annuity which will generate a monthly income for life.
Total Annuity Payout
100% of the Plan Value will be used to purchase an immediate annuity which will generate monthly income for life. The Annuity provides you with income for life. One may select
- 1. Period certain- 5, 10 or 15 years (whereby the beneficiary is guaranteed to receive payments up to specified period following death). Should you outlive the period selected, you will continue to receive payments until death.
- 2. There is also the Guaranteed Period to select from: 0, 5, 10 or 15 years. This means that for the period that you have selected, your beneficiary is guaranteed to receive payments following your death, up to the period selected. Should you outlive the period selected, you will continue to receive payments until death.
Our Commitment to
Quality and Exceptional
Service
Quarterly statements of your employee’s plan value
Annual Contribution letters for TD1 and TD4 Income Tax purposes for your employees
Access to information on the fund’s net asset valuations/prices/financials on our website
Highest standard of personalized customer service
Accessing
Your Funds
You benefit most when you use your Individual Retirement Fund as a way to accumulate wealth over the long term. In the event that unforeseen circumstances arise and you need to terminate your investment prior to maturity date, you may opt for an early withdrawal of your investment which will incur Board of Inland Revenue taxes and administration charges.
Fund
Specifics
Specifics
The minimum amount is
$200.00 TT / Month
Flexible scheduled contribution levels – (eg. monthly, quarterly, annually or lump sum amounts).
Contribution levels and terms of payment are determined by the Employer.
You may conduct transactions at Bourse Securities Limited or at any branch of First Citizens Bank Limited. New investors should come into Bourse to transact business.
Apply
Now!
You can also invest using:
- Manager’s cheques
- Wire transfer of funds
- Standing order arrangements or salary deductions which can be done through your bankers
*Additional documents may be requested if necessary
Downloadable
Resources
Prospectus
The contents of this Prospectus are qualified in their entirety
by the detailed provision of the Trust Deed.
by the detailed provision of the Trust Deed.
Financial Reports
Quarterly Portfolio Statements
Disclaimer
Important information concerning the investment goals, risks, charges and expenses is contained in the prospectus, which is available at any Bourse Securities office or at www.bourseinvestment.com. Investors should carefully consider this information before investing. Performance is subject to variation and is likely to change over time. Past performance should not be treated as an indicator of future performance.