JN Retirement Scheme

The Jamaica National Individual Retirement Scheme (JNRS) is a Retirement Scheme, approved and regulated by the Financial Services Commission (FSC). It allows individuals to save consistently towards their retirement while earning tax free interest.

JNRS is a Retirement Scheme


The scheme is eligible to:

  • Persons over 18 and under the age of 64 years.
  • Persons who are self employed
  • Persons who are employed but not contributors to an approved superannuation fund or retirement scheme
  • Residents in Jamaica
  • Persons who are able to contribute a minimum of 5% of their Emoluments per annum

Features of JNRS

Member can choose the mix of funds that he or she wants to invest in:

  • Diversified
  • Equity
  • Fixed Income
  • Foreign Currency
  • Access to fund status via online portal
  • Access to funds if terminally or critically ill
  • Access to benefits given to JN Group Members and through discount merchants who are a part of the JN Rewards Program
  • Persons can contribute a maximum of 20 per cent of salary annually


  • Contributions are made from gross remuneration
  • Funds earn compounding interest therefore fund grows faster than normal savings accounts
  • Members are vested immediately
  • Fund is personal and therefore moves with you despite change of employer
  • Funds cannot be accessed by creditors
  • Pension payments are guaranteed