WILLEMSTAD – The Algemeen Pensioenfonds van Curaçao (APC) ended 2025 in a strong financial position, reporting a funding ratio of 115.6 percent and an investment return of 8.4 percent despite continued uncertainty in global financial markets.
According to APC's 2025 Annual Report and Financial Highlights, the pension fund remained financially resilient during a year marked by geopolitical tensions, volatile financial markets and changing interest rates. Locally, Curaçao continued to experience economic growth and increased tourism while facing challenges related to housing, healthcare, an aging population and purchasing power.
The pension fund's funding ratio increased from 113.0 percent at the end of 2024 to 115.6 percent by the close of 2025, reinforcing its ability to meet future pension obligations.
APC reported total invested assets of approximately Cg 5.8 billion and recorded an overall investment return of 8.4 percent. The APC Group also posted a positive financial result of approximately Cg 145.5 million, which was added to the organization's equity.
The fund serves more than 23,000 active participants and pensioners.
"Our first responsibility is, and will remain, safeguarding the pensions of our participants and pensioners," said APC Managing Director Evelyn Kruithof-Bor. "The 2025 results show that APC is financially sound. At the same time, we continue to invest in better services, clear communication and an organization that reflects the society in which our participants live and work."
APC emphasized that its investment strategy remains focused on balancing long-term returns, prudent risk management and financial security rather than reacting to short-term market fluctuations.
The annual report states that the fund remains committed to protecting the interests of both current and future generations while maintaining financial stability.