This toolbox contains a number of models that you may find useful in planning for your retirement, making your investment choice and deciding how to invest your Retirement Benefit.  Please note that these calculators are for illustration purposes only and you should consult an accredited financial advisor to assist you with retirement planning.  For further information regarding appointing a financial advisor and preferential rates offered to UCTRF members, click here. 

What do I use it for?

The CoE Calculator will assist you to calculate your estimated take-home pay.

What do I use it for?

Gives you an indication of how much you are saving towards retirement in the UCTRF after taking into consideration insurance Premiums and costs.

What do I use it for?

Gives you an indication of whether you have enough retirement savings to ensure a comfortable retirement.

What do I use it for?

Gives you an indication of the tax you might pay if you withdraw money from the UCTRF.

What do I use it for?

Gives you an indication of whether you have enough death cover to ensure your Beneficiaries are taken care of if you die.

(monthly pension indicator)

What do I use it for?

Calculates your monthly pension given a specific amount to be invested at retirement (only pensions purchased with a registered insurer and payable for life).

(investment when you retire)

What do I use it for?

Calculates your pension income if you decide to purchase a Living Annuity from the UCTRF (remain invested and draw a monthly pension from your invested savings).

The above models are based on certain reasonable assumptions, which may or may not be borne out in reality.