Resources
Explore practical guides, Plan performance and answers to key questions to determine whether CAAT is the right fit for your organization and employees.
Downloadable resources
Retirement that works
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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Rethinking retirement security
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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100 is the new 65
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.
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Funding policy and annual performance
The 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 performanceInvestment approach
CAAT'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 approachLeadership and governance
CAAT 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 governanceLet’s build financial security together
CAAT’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.