About APS

About APS

APS secures pensions for civil servants, teachers and employees of other public and semi-public organizations.

About APS

Learn more about the Algemeen Pensioenfonds Sint Maarten.

Core Values

Learn more about the Core Values that drive APS.

Team

Meet the APS team.

Strategic Agenda

Find out more about APS’ Strategic Agenda.

Our Mission & Vision

Learn more about the mission & vision of APS.

Annual Reports

Browse APS’ annual publications.
Participants

Participants

APS offers its services to all its participants, also if they are no longer actively contributing to the Fund.

Paying in

If you are currently working and paying into the Pension Fund.

No longer paying in

If you are no longer paying into the Fund, but not yet retired.

Pensioners

If you are receiving your pension from the Fund.

Newcomers

Please click here to find out more about the benefits of the Fund.

Employers

If you are an employer with APS Pension as benefit for your employees.
Pensions

Pensions

No matter where you are in your pension journey, APS is here to help you by providing accurate information.

Intro to Pension

Pension is your future income when you stop working. Learn more about the three parts of the pension system in Sint Maarten.

Senior’s Pension

The senior’s pension is a lifelong benefit that you receive from the age of 65.

Temporary Allowance

If a participant of APS has gone missing, the persons who would derive pension rights from his death are entitled to a temporary pension.

Widow(er)’s Pension

The widow(er)’s pension is a lifelong benefit for spouses of APS participants or pensioners after their passing.

Orphan’s Pension

If an APS participant or pensioner has passed away, their children are entitled to an orphan’s pension up to the age of 27.

Disability Pension

The disability pension is a benefit that you receive when you become permanently incapacitated for work.

Burial Allowance

A burial allowance is a one-off benefit that surviving family members receive when a retired participant passes away.
Investments

Investments

In order to grow, pension funds must invest. Our investment portfolio consists of local real estate projects, loans, time deposits, and an international stock & bond portfolio.
Investments in entities established in Sint Maarten and Curacao are considered local. Any investment outside of the monetary union is considered international.

Oryx Residences

Oryx Residences is a local APS residential real estate investment project that offers Sint Maarteners the opportunity to purchase or rent a modern, robust family home at a mid-range price ($145,000 – $245,000).

International Investments

Between 40%-50% of APS’ total investments are international. The international portfolio is a diverse mix of equity (stocks) and fixed income (bonds) securities issued by entities in USD, Developed and Emerging Market.

Local Investments

Alongside Oryx residences, APS’ local real estate projects include Mary’s Fancy, the Professional Office Park, and the APS Parking Lot at the Government Building.

Local Bonds & Loans

APS has a well-diversified portfolio of local bonds and loans in sectors ranging from Government and Health Care to the Tourism and Marine industries.
Forms & Support

Forms & Support

Browse our forms or frequently asked questions.

Forms

Access our registration, amendment of inquiry forms.

FAQs

Browse APS’s frequently asked questions.
News

News

Browse latest news or past email newsletters.

News

Latest news articles regarding APS.

Pensioner of the Month

Every month we highlight a pensioner

Newsletters

Browse our archive of APS email newsletters.

APS

News

Oscar Williams appointed as Director of Algemeen Pensioenfonds Sint Maarten

Cayhill, Sint Maarten, October 12, 2023: The Board of Algemeen Pensioenfonds Sint Maarten is delighted to announce that Oscar Williams has been appointed as the new Director of the Fund. His candidature for the position of Director was most welcomed and marks a strategic step in the furthering of APS’ professionalization. Williams joined APS in 2012 […]

Oscar Williams appointed as Director of Algemeen Pensioenfonds Sint Maarten Read More »

APS appoints The Curaçao Financial Group as manager local investments

Cayhill, Sint Maarten, June 29, 2023: Algemeen Pensioenfonds Sint Maarten (APS) has appointed The Curaçao Financial Group N.V. (cfg) as fiduciary manager of its local investment portfolio. This means that cfg has effectively assumed the managerial duties as per the 1st of May 2023. The local investment portfolio contributes to the mission of APS: a future-proof pension fund,

APS appoints The Curaçao Financial Group as manager local investments Read More »

APS achieves clean Audit Report on 2022 Financial Statements

APS demonstrates compliance and stability despite challenge international market conditions Cayhill, Sint Maarten, June 19, 2023: Algemeen Pensioenfonds Sint Maarten (APS) is pleased to announce the publication of its Financial Statements for the year 2022. The statements provide a comprehensive overview of APS financial performance. In a significant milestone, APS has received a clean audit report

APS achieves clean Audit Report on 2022 Financial Statements Read More »

Yogesh Commercial Complex Unit 1A/1B A.J.C. Brouwersweg #4 Cul-de-Sac Sint Maarten, Dutch Caribbean