JN Individual Retirement Scheme

    A personal retirement plan which provides pension to persons on retirement; it is a tax deferred and tax efficient way to save towards your retirement.


    • No withholding taxes on interest earned on funds invested in the Scheme
    • Tax-free lump sum payments (up to 25% of accumulated value) made at retirement
    • Tax-free lump sum payments made to your named beneficiary is also tax free (subject to the prevailing laws and regulations)


    • Get discounts from JN Group and almost 200 partners with your JNRS ca
    • View your account balances online
    • 10% discount on JAA membership
    • 20% discount on insurance from JNGI
    • You must be between 18 and 64 years
    • You must be a Jamaican living in Jamaica
    • A completed JNRS application form
    • Taxpayer Registration Number (TRN)
    • National Insurance Scheme (NIS) number
    • Proof of your current income. The following are acceptable: most recent pay slips, employment letter, self-employment verification form signed by justice of the peace or notarized by an attorney-at-law)