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  • Home
  • Products and Services
      Mutual Funds
      Money Market Fund
      Caribbean Equity Fund
      Republic US$ Fixed Income Securities Fund (RUSFIS)
      Private Wealth Management Services
      Retirement Planning
      Tax Incentive Savings Plan (TISP)
      Equity Tax Incentive Savings Plan (ETISP)
      Brokerage Services
      Brokerage Services Local Equity
  • Resources
      Financials
      Performance
      Tools
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      Prospectus
      Investing Basics
      Investor Education
  • Insights
  • About Us
  • Contact Us
  • Online Access
    • TTSE Online Platform

Equity Tax Incentive Savings Plan & Corporate Equity Tax Incentive Savings Plan (ETISP & CETISP)

Earn An
Income For Life

Your retirement journey starts today with higher earnings on contributions that grow as you grow older.
Get Started Now!

Features & Benefits

Your long-term retirement goals are now possible.

Contributions are Tax Deductible

Invest in your retirement, maintain 100% of your contributions and receive a higher tax-free lump sum at maturity.

Diversified Portfolio

Receive higher earning potential through a diversified portfolio of debt securities and equities. Price per unit is calculated daily and income in reinvested in the fund.


Flexibility

Choose and change your maturity date between the ages 50–70 and select your preferred annuity provider at maturity. You also have the option to appoint or change your beneficiary at any time.

Who Should Invest in This Plan?

You should invest in this plan if you are:
  • At least 18 years old.
  • Interested in a long-term investment.
  • Building a retirement nest egg.
Request A Call
The Trust Deed, Disclaimer and other legal documentation should be read in its entirety before investing in this plan and are available for viewing at our branches.

ETISP & CETISP Plan Performance​

Annual ReturnDateNAVYTD Return*20242023202220212020
ETISP08/05/20252.3342-2.37%-6.59%-7.90%-7.58%21.76%-6.36%
CETISP08/05/20252.4904-2.36%-8.16%-8.90%-6.74%24.40%-8.22%

Frequently Asked Questions (FAQs)

What are the ETISP and CETISP investment objectives?

The objectives of ETISP and CETISP are:

  • To achieve long-term growth primarily through income and capital appreciation in order to provide investors with returns that will assist in meeting their retirement goals.
  • It seeks to improve long-term investment returns by investing primarily in equity securities.
What is the difference between ETISP and CETISP?

ETISP provides individuals with the opportunity to save towards their retirement, whilst benefitting from reducing their tax payments. The plan allows individuals to achieve potentially higher long-term investment returns through a larger allocation to equity securities. Whereas CETISP allows companies to make contributions on behalf of their employees to enhance their pension benefits. The plan potentially achieves higher long-term investment returns through a larger allocation to equity securities.

What is the minimum I can invest?

You can invest with as little as $100 monthly.

Where can I get more information on the Fund?

You can call to make an appointment with one of our Financial Advisors or click here to see our Resource Centre.

For the full list of FAQs, click here.

We are ready to help!

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Products and Services

Money Market Fund
Caribbean Equity Fund
US$ Fixed Income Securities Fund
Private Wealth Management Services
Brokerage Services
Tax Incentive Savings Plan
Equity Tax Incentive Savings Plan
Corporate Tax Incentive Savings Plan
Corporate Equity Tax Incentive Savings Plan

Resources

Investment Risk Calculator
Opening Account Required Forms
Investing Basics
Resource Links
TT Securities & Exchange Commission
Financial Statements

Contact

  • invest@rfhl.com
  • 868-625-3617
    Ext. 69919, 69914, 69913, 69911, 69903, 69918
  • #8 Rapsey Street Ellerslie Plaza, Maraval. Trinidad and Tobago.
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