Student Investment & Protection Plan

Medium- to Long-Term Investment

A Unique Investment Plan

Its two-pronged approach combines investing for your child’s future with accidental medical & dental insurance protection

The Student Investment and Protection Plan (SIPP) was created by the Unit Trust Corporation and Pan American Life Insurance of Trinidad and Tobago Limited. It is a dual-purpose investment, giving you additional protection for your children while investing in their future.

With regular contributions, your child can have a head start towards achieving financial independence by the time he or she has graduated from secondary school. Accidental medical and dental insurance covers your child 24/7, anywhere in the world.

As parents, you want the best for your children. Investing in SIPP is a great start!


You can begin investing with just TT $50. This initial sum covers the minimum insurance premium at TT $25 per annum, and the minimum investment at TT $25 per month. After the first payment, monthly contributions are at a minimum of TT $25. You can increase your investment at any time, either monthly or through lump sum payments.

High returns

Your SIPP is invested in stocks and shares of local companies trading on the stock exchange, government and government-guaranteed bonds, short-term securities, and foreign investments. Our team of experienced professionals, who are experts in money management, financial analysis, economic forecasting and banking, ensure that your investment gives the best growth possible over the medium to long term, and secures the highest returns available throughout your child’s school years.

No other plan offers you this one of a kind opportunity!

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.