A plan you can count on
We’ve spent over 25 years helping clients plan their successful retirement. Even if transitioning away from work seems far off, creating a roadmap means less stress for the future. We’re here to guide you all the way.
Tailored planning
Our advisors will work with you to meet even the most ambitious retirement goal. Whether through strategic savings strategy or a tailored investment plan, we can secure the comfortable lifestyle that you deserve.
Fund flexibility
With a range of funds to choose from, advisors will help you find the best fit for your risk tolerance. And, if you change your mind, you can switch your money between funds at no charge.
Coordinated efforts
For most, the National Insurance pension income will not be enough for retirement. We help you understand your pension needs and advise on how much you should be investing to reach your goals.
Peace of mind
Knowing that you have planned your retirement with expert guidance brings unparalleled peace of mind.
A pension that puts you in control
Planning for retirement works best when you’re in the driver’s seat. Our Personal Pension Plan gives you the freedom to build your future independently of your employer, with a dedicated account that stays fully yours no matter where your career takes you. Guided by our experienced advisors and supported by an easy-to-use online portal, you can confidently manage your contributions and track your long-term growth—all in one place and entirely on your terms.
I plan to retire at years old.
RF Personal Provident Plan
Versatile alternative for growing your retirement funds
RF Provident Plans offer a flexible way to build your long-term financial security, whether you use them as your primary retirement investment or alongside an existing pension plan. Designed for individuals who want greater control, these plans allow you to grow your future income while maintaining access to your funds whenever life requires it. With an RF Provident Plan, you can invest confidently knowing you have both long-term growth potential and short-term flexibility when you need it most.
Flexible access when life happens
We understand that life can be unpredictable, and sometimes you may need to tap into your retirement funds sooner than planned. With a Provident Plan, there are no withdrawal restrictions or penalties for accessing your money early.
Contribute what you want, when you want
Unlike employer-sponsored plans, a Provident Plan gives you complete control over how much you contribute toward your retirement. There are no minimums or maximums, so you can set an amount that works for your budget and adjust it as life changes. Our advisors can help you determine the right contribution level to reach your goals, and you can pause or modify your payments at any time.
RF Personal Retirement Account
Designed to fund the life you’ve planned for
Keep your money working for you long after you retire with the RF Personal Retirement Account. Retirement may change your routine, but it does not eliminate the need for dependable income. This account allows you to transition your pension or provident funds into a professionally managed investment portfolio that continues to grow while providing a steady stream of income throughout your retirement years. It is a simple, confident way to support your financial independence and maintain long-term security. You’ll also get:
Income that can evolve as your needs do
With the Personal Retirement Account, you decide how much of your income you will take and how often. Choose monthly, semi-annual, annual or even the option to leave your funds invested. If something changes and you need to access more or less, you can do so without hassle.
Investment advice continues
RF Bank & Trust advisors are here to help you understand a wide variety of investment options and you can change investments at any time. We have the experience to understand retirees’ needs.
When the time comes, your loved ones are cared for
Your account is designed to make things simple and stress-free for those you leave behind. Funds transfer directly to your chosen beneficiaries without going through probate, ensuring a smooth process. By naming your beneficiaries when you set up the account, you can enjoy peace of mind knowing everything will be handled exactly as you intended.
Ready to put your money to work?
Secure your retirement
Discover our other services
Trust and estate planning
With Trust and Estate Planning services from RF Bank & Trust, you can create a plan to protect your loved ones and secure the legacy you’ve worked hard to create.
Private Wealth
RF Bank & Trust offers private wealth services to help clients preserve, evolve and grow wealth now and for future generations. Plus, the perks of the prestigious RF Black Card.
Mutual Funds
Make your money work harder for you with mutual funds from RF Bank & Trust. Learn more about the different options designed to suit every client’s financial goals and risk tolerance.
Related resources
Browse our library of reports or find a form related to setting up your account. Your advisor will be happy to point you in the right direction.
Insights about Retirement
RF Brings Relief with Hurricane Hygiene Kit Donation to DRM Authority
1 week agoRF Bank & Trust (Bahamas) Limited (RF), as part of its annual community impact campaign, has announced a generous donation of 1,650 hurricane hygiene kits to the DRM Authority. The kits include essential toiletries and other personal care items to support sanitation and recovery efforts for Bahamians who need to seek shelter.
RF Strengthens Regional Leadership with Eight Executive Appointments — Seven of Them Women
2 weeks agoIn one of its largest promotional exercises to date, RF Group (RF) has announced eight executive-level appointments across its regional network. The promotions come as RF, a leading investment bank and wealth manager, continues to strengthen service delivery, enhance in-house expertise, and expand its footprint across the Caribbean.
