Everything you need to evaluate joining the CAAT Pension Plan — downloadable guides, background on the Plan's performance and governance, and answers to common due diligence questions from employers and employee groups.
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Employees are saving less and retiring later. See how CAAT delivers secure lifetime income for your people — with predictable contributions, no governance complexity, and zero fees for employers.
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As Canadians live longer, CAAT is redefining what a retirement plan can do — guaranteeing a minimum total payout of 180 times the initial monthly payment, protecting loved ones, and helping employees build intergenerational wealth.
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Canadians are living longer — and workforce systems haven't kept up. Explore what longevity means for retirement planning and how employers can design better transitions for their people.
Download articleThe Plan is 124% funded on a going-concern basis, currently at Level 5 of the Funding Policy with approximately $6.7 billion set aside in reserves. Conditional inflation protection enhancements have been extended to 2029.
Annual performanceCAAT's investment team combines internal expertise with external managers to deliver long-term, risk-adjusted returns across a diversified portfolio — including real estate, infrastructure, and private equity.
Investment approachCAAT is jointly governed by a Sponsors' Committee and a 14-member Board of Trustees with equal representation from members and employers — recognized as a model for keeping DB pension plans sustainable.
Leadership and governanceCAAT’s fully managed retirement programs are designed with lifetime income and institutional support at their core. Whether you are looking to evolve your DC plan offering or eliminate the drawdown or decumulation burden altogether, we can help you explore what is possible.