Strong. Secure. Sustainable.

Remaining resilient through a tumultuous year.

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Smiling father holding daughter

Our promise to you

At CAAT, our promise is simple:

Your lifetime retirement income is secure and predictable.

We want to provide our hard-working team the best possible solution for a secure, stable retirement. While they are looking after the community, we want to look after them—CAAT allows us to do our part!” Shaffina Hirji, Director, Human Resources at Vancouver Foundation

Vancouver Foundation

Members

54

Participating since

2020

How safe is my pension?”

2020 was one of the most tumultuous years in recent history.

Stock markets were volatile and Canadians experienced hard times. Many also anxiously wondered, what would become of their retirement income?

S&P TSX Composite Index

CAAT’S Funding Reserves

S&P TSX Composite Index

CAAT’S Funding Reserves

Source:

Stock markets were volatile and Canadians experienced hard times. Many also anxiously wondered, what would become of their retirement income?

Despite the upheaval of 2020, CAAT has stayed strong and your pension remains secure.

We entered the pandemic well-positioned.

We continue to grow stronger.

Strength

119% funded, which means we have set aside $1.19 for every dollar of pension promised to our members.

Security

$3.3 billion in funding reserves at the beginning of 2021 to weather market disruptions like the global pandemic.

Growth

Assets grew from $13.5 billion at the start of 2020 to $15.8 billion in 2021.

Joining CAAT has allowed us to reduce cost, risk and administration. The R.O.I. on working with CAAT has been spectacular.” John Corley, President of Brink’s Canada Limited

Brink’s Canada Limited

Members

785

Participating since

2020

Defined Benefit Plan Predictable retirement income. For life.

53 years ago, the CAAT Pension Plan was exclusive to Ontario colleges. In 2019, we launched DBplus—a Modern Defined Benefit design to be available to workplaces across Canada.

Today, we’re proud that 68,900 members and more than 100 employers in 9 industries across Canada can be secure in retirement.

53 years ago, the CAAT Pension Plan was exclusive to Ontario colleges. In 2019, we launched DBplus—a Modern Defined Benefit design to be available to workplaces across Canada.

Map of Canada

Today, we’re proud that 68,900 members and more than 100 employers in 9 industries across Canada can be secure in retirement.

A defined benefit plan is a promise: you know exactly how much your pension is worth before you retire.

Because CAAT is a jointly sponsored defined benefit plan, you and your employer both contribute toward your future. The amount available at retirement is unaffected by market fluctuations, so you can feel confident about your retirement savings.

A defined benefit plan is a promise: you know exactly how much your pension is worth before you retire.

CAAT is a profit-for-members trust that has been delivering secure lifetime pensions to our members for over 50 years.” Derek W. Dobson, CEO and Plan Manager

Because CAAT is a jointly sponsored defined benefit plan, you and your employer both contribute toward your future. The amount available at retirement is unaffected by market fluctuations, so you can feel confident about your retirement savings.

I’m always delighted to hear from Seneca employees and retirees of their positive experience with the long-term benefits of the CAAT Pension Plan. It’s welcome news that the Plan is now open to more workers across Canada.” David Agnew, President of Seneca

Seneca

Members

2565

Participating since

1967

A pension everyone can support

Members

Employers

Advantages for Members

Predictable retirement income every month—rest easy knowing you won’t outlive your savings.

A survivor pension for your spouse.

Your pension is unaffected by market fluctuations.

Advantages for Employers

Reduce stress about financial security for employees, allowing them to retire when the time is right.

Attract and keep top talent with a valuable pension.

Employers can focus on their core business—we take care of everything pension related.

Our unique model helps members retire with confidence

It takes focused strategy, long-term planning and careful analysis to keep the CAAT Plan secure.

Here’s how we do it.

Joint governance model

Investment focused on the long term

A strategy for resilience

Designs and benefits relevant to today’s workforce

Joint governance model

The Jointly Sponsored Pension Plan (JSPP) model means that members and employers make decisions about risk, costs and benefits.

Investment focused on the long term

Our expert team of investment professionals has structured an investment strategy focused on the long term, allowing us to safely weather short term market fluctuations.

Investment Focused Pie Graph

18% Nominal Long Bonds

5% Nominal Universe Bonds

5% Real Return Bonds

15% Real Assets

5% Commodities

29% Global Developed Equity

10% Emerging Markets Equity

13% Private Equity

Chart representing a well-diversified asset mix; 23% are interest rate sensitive, of which 18% are nominal long bonds and 5% are nominal universe bonds; 24% are inflation sensitive, of which 15% are real assets, 5% are commodities and 5% are real return bonds; 53% are return enhancing, of which 29% is global development equity, 10% is emerging markets equity and 13% is private equity.

23%

Interest Rate Sensitive

25%

Inflation Sensitive

52%

Return Enhancing

A strategy for resilience

Using funding reserves and conditional benefits, CAAT manages volatility, which keeps the Plan sustainable and your benefit secure.

Designs and benefits relevant to today’s workforce.

A pension design that adapts to various employment arrangements including part-time and contract.

CAAT is the fastest growing plan in Canada thanks to our unique offering. The CAAT Plan is highly respected for delivering benefit security and long-term plan sustainability to more workers across Canada.” Dr. Scott Blakey, Chair
By joining CAAT, we were able to bring a defined benefit pension plan back to our members at Saint John Airport. This is a victory that will help ensure a financially secure retirement for our members.” Chris Aylward, President of PSAC

Public Service Alliance of Canada (PSAC)

Members participating since

2020

Peace of mind today and always

A few years ago, Plan governors decided to make the Plan available to workplaces outside of Ontario colleges in order to provide secure, sustainable pensions to more Canadian workers.

Today, we manage pensions for workplaces of all sizes—from small firms to employers of thousands.

We’re so proud that CAAT has been able to extend defined benefit coverage to more workers across Canada; from all sectors, including private, public, for-profit and not-for-profit.” Don Smith, Vice-Chair
CAAT is doing a fabulous job and I’m thankful every day that I have a CAAT pension. These are uncertain times and I trust the team’s judgment on investments.” Sandra Mills, Retired 5 years from Centennial College

More members.
More industries.
More provinces.

As CAAT’s membership diversifies and grows, so does our ability to withstand adverse economic conditions.

Today, we’re trusted by over 100 employers across 9 industries.

We now manage the pensions of 68,900 members from Coast to Coast.

14 unions and member associations support and participate in our plan.

I'm so happy to see more Unifor members join CAAT. Moving from a single-employer plan to the CAAT Plan gives added security to their retirement incomes—something all workers deserve.” Jerry Dias, President of Unifor National

Unifor National

Members participating since

2018

We’re as committed to our team as we are to our members

A pandemic is no match for the passion our team has in keeping the Plan healthy, and members feeling secure about their pensions.

That’s why CAAT is recognized for excellence across the board.

CAAT’s workplace culture is truly unique. The emphasis on the well-being of employees and the teamwork atmosphere keeps us motivated to make a difference in the lives of the members and employers that belong to CAAT” Marlange Hériveaux, Manager, Actuarial Solutions

Greater Toronto’s Top 2021 employers

Canada’s Most Admired Corporate Cultures

2020 CIO of the Year awarded to Julie Cays

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