JN Retirement Scheme

JNRS is a Retirement Scheme, approved by the Financial Services Commission (FSC) to allow 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 normal retirement age of 65 years
  • Must not be a contributing member to another Approved Pension Plan
  • Persons can contribute a maximum of 20 per cent of salary annually
  • Salaries must be earned in Jamaica

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


  • Contributions are made from gross salary before taxes
  • Funds earn tax-free interest therefore fund grows faster than normal savings accounts
  • Contributions and fund value is vested immediately
  • Fund is personal and therefore moves with you despite change of employer
  • Funds cannot be accessed by creditors
  • Pension payments are guaranteed.