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Investment Segment

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We have entered the throes of the 2017 Carnival season. Costumes, fetes, traditional events and art are on the minds of many citizens. However, aswe celebrate what is an integral part of Trinbagonian culture, always remember to be vigilant when using your UTC Debit Cards and ensure that your financial wellbeing is secured throughout the season.

Protect your PIN

Securing your PIN is one of the most effective ways to protect your investment. Always remember:-

  • NEVER reveal your PIN to anyone
  • Do not write your PIN down
  • Do not use PINS such as date of birth or significant dates
  • Cover the key pad when entering your PIN at an ATM or point of sale terminal

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November 27th, 2015

Budgeting for christmas 2015

This Christmas…

Resi$t the urge to $plurge

For the unprepared, Christmas can come at a high price.  Between gifts, wrapping paper, parties and impulse buying, Christmas can spell financial ruin even for the most savvy of investors.   With intelligent cost cutting and creative thinking, Christmas does not have to be drain on your wallet.

Unfortunately, many people end up dreading the Christmas season simply because it often means incredible amounts of debt and financial stress. And in a world where investors are bombarded with financial and economic stresses, there is really no need to add to the burden. Read More

To facilitate demand among individual and institutional investors, the Unit Trust Corporation has extended the initial public offering (IPO) of the company’s most recent closed-end exchange-traded product, the Calypso Macro Index Fund to December 4, 2015.

The Calypso Fund is the Caribbean’s first exchange-traded macro index fund and the first UTC fund to be listed on the Trinidad and Tobago Stock Exchange. While it is the first fund of its kind – for both the UTC and the Trinidad and Tobago economy – it is also firmly rooted in the UTC’s original mandate to foster a culture of saving and investment through education and innovative solutions. It also allows everyone access and participate in the country’s capital markets.
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June 26th, 2015

Retirement and You

Balancing the realities of an ageing population and increased life expectancy means that for the modern Trinbagonian, retirement may no longer be guaranteed but now, a matter of prudent investment. As life expectancy increases, the need for extended retirement planning has become a matter of necessity. The current age of retirement in Trinidad and Tobago is standardized at 60 years of age. While this has been the subject of active debate, it also seems unlikely to change in the near future. The most recent data (sourced from Trinidad and Tobago’s own National Financial Literacy Programme) illustrates that as far back as 2006, persons 60 years old and over numbered 130,000 or 10 % of the population, compared to 87,000 or 8.0% of the population in 1980.

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Every purchasing decision we make has an impact on the environment, economy and society – from the energy which our new computer consumes, to the conditions of the workers who made our clothes.

Natural Resources are scarce in comparison to our demands which appear to be unlimited. Every product or service manufactured or utilised is a result of the utilisation of natural resources. Read More

At some point in our lives, we ponder the question, “What would you do if you were given a large sum of money?”Many people would feel burdened and intimidated with the responsibility of managing any kind of excess money.

Receiving a lump sum payout can be very exciting because for many individuals it’s rare to have the opportunity to spend or invest a large amount of money at one time. But figuring out what to do with a lump sum payout also can be very stressful, especially if you aren’t comfortable making financial decisions.

Many experts recommend that you should take several months or even a year to decide how you’ll use the money, especially if the payout is tied to an emotional event, such as a death of a family member or a separation from your job. Read More

The question of whether or not to obtain professional financial advice may be lingering on the minds of many persons who have had to deal with the reality of a fixed salary, rising expenses and wading through the maze of savings and investment options available. Since proper and consistent financial planning is the key to dealing effectively with these realities, how can the services of a Financial Advisor help you? Read More

A proper strategy is required to ensure that the goals you set are met. Whether the targets are to pay bills or to go on vacation, a carefully, well laid-out plan can assure success.   So when it comes to your finances a strategy map secures your goals.

You may have short-term goals you hope to achieve within a few years and long-term goals for the distant future. For example, you may be saving for the down payment on a home or perhaps you want to provide university education for your children. Maybe your goals are even longer term and you’re building a nest egg for retirement or planning to get married. Whether you are kick starting your investment or already a seasoned investor, setting goals are the foundation upon which long term wealth is built.In order to reach your goals, you need to determine their practicality and outline each goal’s investment time horizon. Time is important because the longer you have to achieve a goal, the more aggressive you can be in your investment choices. Conversely, when you have less time to achieve a goal, it is more prudent to consider lower risk investments. Read More

 Gaining the knowledge and developing the skills to become financially literate is a lifelong process that begins with something as simple as putting a few pennies in a piggy bank, and evolves to more advanced subjects such as risk and asset allocation. Some parents may have a difficult a time talking with their teenagers about money, but it’s critical to their survival in the real world.

Unsure of where to begin and worried about saying the wrong thing, many adults simply avoid conversations about money. This is often made worse by adults’ lack of confidence in their own handling of finances. It is important for adults to remember thatthey have experience and perspective on their sides, and can draw both from their financial mistakes and successes to share essential knowledge and skills to their children. Read More







Madame Master of Ceremonies, Mr. Ian Chinapoo – Executive Director of the Trinidad and Tobago Unit Trust Corporation, Managers and Staff of the Trust, teachers, students and representatives of the media.

It is my pleasure to address you all this morning, at this the launch of the 24th Edition of the Unit Trust Corporation’s Schools’ Investment Game.

In keeping with its developmental mandate, the Corporation has over the years, since its start-up in 1982, launched a number of initiatives aimed at improving the level of financial literacy in Trinidad and Tobago.  In this regard our Financial Planning Seminars which are conducted by our Marketing Department is well known and highly regarded by Unitholders.  Additionally, this event, our Schools’ Investment Game has become a fixture on the events calendar of many of our Nation’s Secondary Schools.

If I were to ask you one question this morning, a very basic question, could you provide the answer?



Of all resources, the human resource is the most critical.

Education.  Training.  Cutting edge knowledge. Personal and professional development.  That, my friends is what The Investment Game is about.

How are you investing?  And no, I don’t refer to securities here.  How are you investing in yourself?

May I suggest three simple, yet effective ways to do this:


Developing your skills doesn’t only mean furthering your education, though that is an important feature.  Investing in yourself through the development of your skills also means: participating in extra-curricular learning activities; attending workshops, conferences, webinars; and reading widely: books, articles, papers, anything remotely related to a talent or skill that you would like to acquire.


Get a mentor.  Get a mentor.  Get a mentor.  This cannot be overestimated.  Mentoring relationships are a powerful source of knowledge, inspiration and networking.  As a young adult, operating without a mentor is similar to walking in the dark – you may find your way around, but it would certainly be better if the lights were on, or you had someone with a light to guide you.  Make a list of everyone that you know who has a lot of experience in the field or endeavor that you are interested in, and approach them.  That’s how it starts!  Build a relationship with them, and watch yourself grow.


When someone hears your name, what do they think about?  Your friends; acquaintances; teachers; family members – what are the first few things that come to their minds?  THAT IS YOUR PERSONAL BRAND. Do they think “excellence”, “hard-working”, “intelligent” “diligent”, or otherwise?  In today’s world, there is another wrinkle: when persons search for you online, what do they see?  Does your online presence fit the brand that you want for yourself?  Work relentlessly at creating, developing and cementing your personal brand.  It is your one of your most important resources.

I’ll close here.

Have I given you food for thought?  How many are willing to act on those thoughts, now that seeds have been sown?

Have I inspired you?  Remember that inspiration without action is procrastination.

For those that hope to hear a pointer or two on investment, here goes:

the prudent Portfolio Manager always pays particular attention to risk management.  That is the process whereby risks are actively identified, evaluated and controlled to ensure a higher likelihood of attaining investment objectives.  You must understand that, in general the higher the potential for reward, the greater the associated risk.  In executing your various investment strategies over the duration of the competition I urge you to hold that risk/return contradiction foremost in your minds.

Many, many years after you have left school, you would likely not remember the investment strategies that you employed in this game; the varying investment choices that you had to make to increase return while managing risk; it is likely that you would not even remember the names of many of the persons who are on your current investment teams!

What we do hope you remember two things, however: (1) the fundamentals of investment (investment literacy so to speak) and (2) the concept of investing in yourself.  


I thank you.