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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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  • Insights
  • About Us
  • Contact Us
  • Online Access
    • TTSE Online Platform

Tax Incentive Savings Plan & Corporate Tax Incentive Savings Plan (TISP & CTISP)

A Flexible Way
To Fund Your Retirement

Put your money to work today, for when you’ve stopped working tomorrow.

Get Started Now!

Features & Benefits

We’ll help you figure out which Tax Incentive Savings Plan (TISP)  is right for your long-term retirement goals.

Contributions are Tax Deductible

With as little as $100 you can 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. Rates are declared annually, and interest paid based on the minimum monthly balance for the previous year.


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.

TISP & CTISP Plan Performance

Annual Return202420232022202120202019
TISP2.10%2.00%2.03%2.00%1.50%2.50%
CTISP2.10%2.00%2.04%1.00%1.50%2.50%

Get a head start with TISP

Learn why it’s best practice to start retirement planning early for both individuals and businesses.
Download TISP eBook
Download TISP Corporate eBook

Frequently Asked Questions (FAQs)

What are the TISP and CTISP investment objective?

The objectives of TISP and CTISP 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.
  • The assets are invested in a diversified portfolio of debt securities along with some equities to assist with combatting the effects of inflation over the long-term.
What is the difference between TISP and CTISP?

TISP provides individuals with the opportunity to save towards their retirement, whilst benefitting from reducing their tax payments. Whereas CTISP allows companies to make contributions on behalf of their employees to enhance their pension benefits.

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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