Individual Retirement Unit Account

Medium- to Long-Term Investment

Enjoy Tax-Free Income When You Retire

The Individual Retirement Unit Account (IRUA) is a tax-free, equity-based, long-term investment of a diversified portfolio that includes stocks, bonds and income instruments — and you can start with just one unit!

Regular contributions to the IRUA can be made during your working years, giving you an increased potential for returns in the long term. With the IRUA, you take home all your income, tax-free in a lump sum or as flexible payments from maturity. It’s a guaranteed source of future income.

You have options

At retirement you can:

  • Access any size lump sum at any time, plus lifetime income from the residual
  • Place the accumulated savings value into UTC’s TT$ Income Fund or any other account for steady income
Plan to enjoy your future today

Investing in the IRUA gives you the possibility of capital appreciation and future secured
income. With flexible contributions and 100% access in case of emergencies, the prospect of retirement is even more promising!

Disclaimer: Investors should consider a Fund’s investment objectives, risks, charges and expenses carefully before investing. This and other important information can be found in the Fund’s prospectus. Obtain a prospectus from our website or at any of our UTC Investment Centres and read carefully before investing.