Welcome to the Resource Hub
At CAAT Pension Plan, we aim to provide a secure and sustainable workplace pension for our members and participating employers.
Whether you attended the virtual Annual Performance Update or want to learn more about the Plan, this resource hub provides you with access to important tools, video clips and details on what we’re doing to help ensure your benefit security over the long term.
Hear from CAAT’s CEO and Plan Manager
Every Canadian deserves to retire with security – and confidence
CAAT Pension Plan’s CEO and Plan Manager, Derek W. Dobson, shares how CAAT continues to prioritize wider access to pensions in Canada, the Plan’s strong financial performance and how we are improving financial security for our members and employers.
“We’ll keep focused and working hard at, one, providing members with the tools they need to succeed. Two, generating sufficient long-term returns to continue to grant additional benefit enhancements and promote the Plan’s health. Three, innovating to meet the need of members and employers. And four, fostering a truly engaged and purpose-driven work culture.”
- Derek W. Dobson, CEO and Plan Manager, CAAT Pension Plan
Giving you the tools to succeed
We’re in it together
As a “profit for members” organization, your success is our success. When we thrive, so do you – seeing greater value for every dollar you contribute.
“Beginning of this year, we looked at our DBprime members and we reduced their contribution rates, and for our DBplus members, we increased the annual pension factor. So, what does that mean? They’re going to get more value for the same contributions they’re providing to CAAT.”
- Sonny Khindria, Vice President, Member Services, CAAT Pension Plan
Whether you’re an employer looking to do more for your team, or a member navigating through life’s moments, we’re here to help. We listen first to better understand your needs and provide you with the right information, so you feel supported and confident in your decision making.
“Our tools are not just about efficiency; they are about creating a workplace where everyone feels valued and heard.”
- Troy Whetstone, Vice President, Employer Services, CAAT Pension Plan
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You may also want to:
*Can’t access My Pension? Check to see if your employer joined CAAT through a pension merger. If your employer is on that list, you will be able to use My Pension in a limited capacity. If your employer is not on the list, check your mail for information about setting up your My Pension account.
Explore the value of a CAAT workplace pension
Learn about the Plan’s 2024 performance
Sustainability is at our core
Your pension is secure
CAAT’s actuarial report shows the plan is 124% funded, meaning there is $1.24 set aside for every dollar promised to members. This strong funding ratio ensures pension security for our members.
“This isn’t just an accounting trophy. This is the safety cushion that protects the C-type markets. So bottom line is, if you’re a member, what this report means to you is two words: pension security.”
- Mike Dawson, Chief Financial Officer, CAAT Pension plan
The strategy and performance are both strong
CAAT’s investment strategy focuses on long-term, active management. The plan’s investment portfolio has achieved a 10-year net rate of return of 9.6% and a 2024 annual net rate of return of 15.2%. This success supports the Plan’s health and its ability to fulfill its obligations.
“Our team internally and our roster of external investment partners around the world are working to outperform the broad markets…we’ve been successful at that and we’re proud of that.”
- Asif Haque, Chief Investment Officer, CAAT Pension plan
Innovate with purpose
The value of workplace pensions
Employers are recognizing that robust workplace pensions are essential for attracting and retaining talent. CAAT’s offerings help to reduce financial unpredictability for organizations while providing meaningful benefits for employees.
“Everything we’ve talked about really underscores why expanding access to workplace pensions is such a central focus for CAAT. The value is clear: financial security for employees, stability and predictability for employers and long-term resilience for our economy.”
- Jillian Kennedy, Chief Strategy Officer, CAAT Pension plan
Adapting to workforce changes
Rising prices and greater economic uncertainty can make planning for and living in retirement hard for many Canadians. But the stabilizing force of the CAAT Pension Plan provides greater peace of mind for our members and smart ways for employers to invest in their people.
“A plan like CAAT, essentially we can provide double the income in retirement than an individual can achieve on their own. That’s really improving retirement affordability on top of when there’s so many other affordability challenges out there.”
- Evan Howard, Chief Pension Officer, CAAT Pension plan
Where purpose meets passion
Creating a purpose-driven and supportive work environment
At CAAT, aligning employees with our purpose, focusing on wellness, providing growth opportunities, fostering a collaborative and inclusive culture and celebrating achievements contribute to the overall success and impact of the organization. This alignment helps CAAT to deliver on its pension promise and make a positive social impact.
“We are looking for constant ways of improving so that we can provide better services to our members and our employers.”
- Julie Giraldi, Chief Human Resources, CAAT Pension plan
Hear what others have to say
Keith Ambachtsheer is a highly regarded pension industry expert and financial commentator (you can find his bio here). His publication The Ambachtsheer Letter provides useful information about sustainable pension design and management.
On May 6, Keith published a new letter detailing some of the challenges facing private sector employees in Canada, such as the limitations of government supports like OAS and CPP/QPP and the high fees and diminished returns of retirement savings vehicles available from commercial banks and insurance companies.
He also highlighted how innovation in pensions can benefit private sector workers, and specifically focused on some of the new products CAAT has introduced to the Canadian pension industry, such as DBplus and GROWTHplus.
You can read Keith’s letter here.
Contact us
Have questions? Get in touch with our experts—we’re here to help.
Looking to bring DBplus to your workplace? Get in touch with our pension solutions team.
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Additional resources