Comrade Trustee Services Limited

Comrade Trustee Services Limited As such, CTSL is legally responsible for the prudent management of the Fund.

Comrade Trustee Services Limited (CTSL) is the licensed corporate trustee for the Defence Force Retirement Benefit Fund, as approved by the Bank of Papua New Guinea. Comrade Trustee Services Limited (CTSL) is the successor in law to the Defence Force Retirement Benefit Fund Board (the Board) and has been approved by the Bank of Papua New Guinea (BPNG) as the licensed trustee for the Fund. As the t

rustee, CTSL has ultimate legal responsibility for the prudent management and administration of the Fund. Subject to the Superannuation (General Provisions) Act 2000 (the Act) and the governing rules of the Fund the trustee has the discretion generally to do all such acts as it considers necessary or expedient for the sound administration, maintenance, investment and preservation of the Fund.

Claim your unclaimed monies today!Contact CTSL.Phone:79987900email: memberservices@ctsl.com.pg
09/06/2026

Claim your unclaimed monies today!

Contact CTSL.
Phone:79987900
email: [email protected]

Join our transformation journey🤝🏽
03/06/2026

Join our transformation journey🤝🏽

27/05/2026

CTSL Bids Jessica Amban Farewell.

From a fresh UPNG graduate to a confident and capable professional, Jessica Amban’s four-year journey with CTSL reflects growth, dedication, and success.

CTSL proudly thanks Jessica for her commitment and contributions, especially within the Investments Department, and wishes her every success as she begins a new chapter in her career journey.

You will be greatly missed, Jessica. Wishing you all the best ahead!

CTSL’s publication of its 2025 Annual Report, including independently audited financial statements, reflects the Trustee...
27/05/2026

CTSL’s publication of its 2025 Annual Report, including independently audited financial statements, reflects the Trustee’s commitment to sound corporate governance, transparency, and regulatory compliance.

Annual reporting provides members, stakeholders, and the public with a clear account of the Trustee’s financial performance, operational activities, governance standards, and strategic direction.

The 2025 reporting cycle marks an important achievement for CTSL, as it is the first year the Trustee fully complied with statutory requirements by completing its financial audit before 31 March and publishing its Annual Report before 31 May 2026, reinforcing confidence in the organisation’s governance and reporting processes.

For more, please view the 2025 Annual Report on the link below:

https://www.ctsl.com.pg/assets/Uploads/Annual-Reports/CTSL-Annual-Report-2025-WEB.pdf

Wisdom is not a gift; it is a discipline. It is a compound interest project built through a relentless commitment to lea...
25/05/2026

Wisdom is not a gift; it is a discipline. It is a compound interest project built through a relentless commitment to learning.

In my whole life, I have known no wise people who didn't read all the time, none, zero. — Charlie Munger

Charlie Munger, the late vice-chairman of Berkshire Hathaway, was widely considered one of the most effective thinkers of the modern era. He did not just read for entertainment; he read to build a latticework of mental models. By pulling principles from diverse fields like physics, psychology, and biology, he could see patterns that others missed. To Munger, being a learning machine was the only sustainable competitive advantage in a changing world.

If the architect of one of the world's most successful investment firms credits his entire edge to his library, we should take note.

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How many versions of yourself have you already discarded? Is it possible that your identity is found through subtraction...
24/05/2026

How many versions of yourself have you already discarded? Is it possible that your identity is found through subtraction rather than addition?

You will discover who you are not a thousand times before you discover who you are. — William Chapman

We often treat life like a building project, trying to stack achievements and labels until we feel like someone. But true self-awareness is more like sculpture. You have to chip away the marble that does not belong to see the figure hidden inside. Every career that did not fit and every relationship that failed was a necessary lesson in what you are not.

William Chapman is a contemporary Australian author and lecturer who specializes in the psychology of the self and human potential. His work challenges the modern obsession with constant self-improvement, suggesting instead that we should focus on self-recovery—the act of returning to our original nature by shedding social conditioning.

The frustration of feeling lost is actually the sensation of growth. You are not failing; you are narrowing the search.

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Many people think retirement begins the day they stop working. In reality, retirement begins much earlier — through the ...
20/05/2026

Many people think retirement begins the day they stop working. In reality, retirement begins much earlier — through the habits, routines, and financial behaviors practiced throughout life. The future a person experiences in retirement is often the accumulated result of decades of decisions quietly compounding in the background.

Good habits can build freedom. Bad habits can quietly destroy it.

A person may spend 30 or 40 years working hard and contributing to superannuation, but if destructive habits are carried into retirement — uncontrolled spending, poor financial discipline, debt dependency, alcohol abuse, gambling, impulsive lifestyle choices, or constantly supporting unsustainable obligations — retirement savings can disappear far quicker than expected. What was meant to provide comfort, dignity, and peace in later years can quickly become stress, regret, and financial hardship.

That is why retirement planning is not only about money. It is also about behavior.

Many people focus heavily on the size of their retirement payout, but very few prepare themselves mentally and behaviorally for life after employment. The habits people normalize during their working years often follow them into retirement. If those habits are unhealthy or financially destructive, they can slowly erode even well-built retirement plans and expectations.

This is why it is important to start dropping destructive habits before separation from employment. Retirement should not be the beginning of discipline — it should be the reward for years of discipline already practiced. Small positive behaviors repeated consistently over time — budgeting, saving, voluntary contributions, delayed gratification, healthy living, and financial self-control — compound into long-term security and peace of mind.

In the end, retirement is not simply an age or a payout. It is the lifestyle your habits have been preparing you for all along.

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Wealth building does not always begin with money. For most people, it begins with value. The quote highlights a reality ...
19/05/2026

Wealth building does not always begin with money. For most people, it begins with value. The quote highlights a reality that many overlook: before capital can be invested, it often has to be earned through skills, services, discipline, and time. In other words, your first investment is usually yourself.

Many people believe they cannot begin building wealth because they lack financial resources. However, history shows that countless entrepreneurs, professionals, and investors started with little or no money. What they possessed instead was the willingness to learn, work, improve their skills, and solve problems for others. The marketplace rewards value creation. The more useful your skills become, the more opportunities arise to generate income, savings, and eventually investments.

Selling your skills means monetising what you know. Whether it is accounting, carpentry, design, teaching, programming, marketing, farming, or management, skills become economic assets when they solve real problems. Selling your services means applying those skills to help businesses or individuals achieve outcomes they cannot achieve alone. Selling your time, particularly in the early stages of life or business, is often the foundation upon which financial stability is built. Employment itself is fundamentally the exchange of time and expertise for income.

The important lesson is that wealth creation is a process, not an event. Many people wait for large opportunities, inheritances, or sudden financial breakthroughs, while overlooking the power of incremental progress. Income earned from skills and services can be reinvested into education, business ventures, savings, assets, or investments that generate future returns. Over time, disciplined reinvestment transforms earned income into capital accumulation.

The quote also carries a deeper message about personal responsibility and self-development. In a competitive world, your greatest asset is often your ability to adapt, learn, and remain valuable. Economies change, industries evolve, and technology disrupts traditional pathways to success. Those who continuously develop their capabilities position themselves to create opportunities even when resources are limited.

Ultimately, wealth building begins long before investment portfolios, property acquisitions, or business empires. It begins with mindset, discipline, work ethic, and the decision to create value despite limited circumstances. Money may accelerate wealth, but skills, services, and time are often the engines that create it in the first place.

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Comrade Haus, (Off Frangipani Street) Hohola
Port Moresby
121

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Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
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