9.6% 10-year annualized net investment return
124% funded
In 2025, we continued to deliver strong long-term performance. You can rest assured your retirement income is well managed.
Performance
For every $1 of pension promised, CAAT has $1.24 set aside, allowing the Plan to continue to grant valuable enhancements like conditional inflation protection.
Strong
Funding reserves keep the Plan healthy through changing market conditions, including a $6.7 billion surplus and $25.4 billion in net assets.
$25.4 billion in net assets
124% funded
$6.7 billion in funding reserves
Sustainable
We are devoted to delivering secure pensions to you, paid for life.
A strong foundation for tomorrow
The Plan’s funding level has remained resilient across global economic events, supported by strong fundamentals, disciplined decision-making, and rigorous stress testing that reinforce long-term stability for members and employers.
8.4 % net investment return in 2025
9.6 % 10-year annualized net investment return
Supporting our economy
CAAT pensioners support their local economies.
$762 million in pension payments
“My investment in CAAT is helping fund my retirement, allowing me to participate in my community through volunteering on Boards and … also allowing me to care for my health and other family members.”
– Michael Muller, Toronto, Ontario, retired CAAT member
Support
Survivor benefits
Your pension now provides stronger protection for your eligible spouse or beneficiary.
Retirees can choose to have their eligible spouse to continue to receive either 60%, 75%, or the full 100% of their monthly pension for their lifetime.
If you and your eligible spouse pass away early in retirement, the Plan now guarantees a minimum of 180 months (15 years) worth of payments. The remainder is paid to your beneficiary.
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DBprime members
On January 1, 2025 contribution rates decreased by 1%. You are now contributing less while continuing to earn the same valuable lifetime pension.
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DBplus members
Your lifetime pension now grows faster: effective January 1, 2025, your annual pension factor increased from 8.5% to 9.5%, so every dollar you contribute builds more pension.
Inflation security
Your CAAT pension is designed to help you keep your spending power over time.
Based on the Plan’s continued strong funding position, conditional inflation protection increases have been granted through to 2028. That means your retirement income will continue to increase. The Plan has a perfect record of granting these enhancements since they were first introduced in 2007.
“I am confident my pension is well looked after.”
– Bill Kuehnbaum, Burlington, Ontario, active CAAT member
Secure
Your CAAT pension is built to be there for you—for life. Through careful, long-term risk management, the Plan is designed to stay strong and sustainable, so your retirement income remains secure, even when markets are uncertain.
Our Service
Plan members
More than 125,000 members
More than 800 employers
20 industries
25 unions and member associations
“A secure source of funding for my retirement.”
– Ken Webb, Mississauga, Ontario, active CAAT member
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Relaunching our Insights Panel
Thank you to members who share their perspectives and help shape the future of the Plan. Join today to have your voice heard, influence decisions, and improve the experience for all members.
More ways to connect with us
We’re making it easier to get the support you need—when and how you need it by expanding our service channels beyond email and phone support. Members can securely access their information through My Pension portal and now have the option to schedule one-on-one appointments with a CAAT expert.
Over 95% of retired members are satisfied with Plan services.
“My retirement pension questions have been answered in a prompt and satisfactory manner.”
– Natalie Brock, Toronto, Ontario, active CAAT member
Optional savings: GROWTHplus Investment Account gives eligible members another way to consolidate and grow tax-sheltered savings alongside their secure lifetime CAAT Pension.
Explore the value of GROWTHplusStrength built from within
In 2025, we enhanced how we support our teams so they can consistently deliver accurate information, clear communication, and reliable service you can trust.
“Previous to my retirement, I attended a pre-retirement presentation ... the explanations of its workings were excellent. I left the seminar feeling very confident in CAAT’s ability to manage our pensions.”
– Richard Lacelle, Ottawa, Ontario, retired CAAT member
Awards
