Personal Pension Plans
Every day counts for planning the retirement you want.
Personal Pension Plans
| Lower potential return Less risk |
Higher potential return Higher risk |
|||||
| 1 | 2 | 3 | 4 | 5 | 6 | 7 |
This information indicates the risk of the plan and is calculated using historical data which, however, may not constitute a reliable indication of the plan’s future risk profile. There is no guarantee that the indicated category will remain unchanged and it may change over time.
You can see the indicator corresponding to each Plan here.
You can see the indicator corresponding to each Plan here.
You may only collect the benefit or exercise the right of redemption if any of the contingencies or exceptional cases of liquidity regulated in the regulations of pension plans and funds occur.The value of transfer rights, benefits and exceptional liquidity cases depends on the market value of the pension fund's assets and it may involve significant losses.
For those who want to achieve long-term profitability.Excellent tax advantages.Wide range of products. We help you choose the one that suits you best.You decide how much and when to make the contributions.What are they?
Individual pension plans are a long-term product that facilitate investment to plan your retirement in order to achieve the standard of living you want.
Don’t you have a pension plan? See what you can get!
Examples of accumulated capital and savings obtained from Adriana and Carlos1
She took out a 35-year pension plan
Total annual contribution:
€ 1,500
Capital accumulated at retirement:
€ 67,057
Maximum tax savings during the first year:
€ 468
He took out a 50-year pension plan
Total annual contribution:
€ 1,500
Capital accumulated at retirement:
€ 30,342
Maximum tax savings during the first year:
€ 468
As you can see, the sooner you start saving, the easier it will be for you to accumulate savings for your retirement.
1. Approximate calculations assuming (i) a 2% APR profitability in individual pension plans and (ii) the same level of contributions indicated are kept up until the legal retirement age. These calculations are merely indicative and in no case constitute any commitment by the pension fund management entity; therefore, they are not of a contractual nature. Tax savings obtained taking into account the minimum and maximum withholding percentages of personal income tax for 2022. This amount will be determined by the tax base of the owner of the plan and the tax rate of the autonomous community where they reside. It should be taken into consideration that the personal income reduction limit tax base that can be applied is the lower of: a) €1,500 (maximum annual contribution allowed) and b) 30% of the sum of the net income of work and economic activities received during the year (limits that vary in the provincial regulations of the Basque Country and Navarra).
Get the most out of a pension plan
1
Don't forget your plan! Allocate a part of your monthly income to periodic contributions to gradually increase your savings.
2
How much to contribute? Establish a rule for your recurring contributions. For example, contribute 10% of your monthly income to your pension plan. You will save without making great efforts.
3
It is better to make regular monthly contributions than large extraordinary contributions. The sooner you start saving on a regular basis, the sooner you will create a saving routine and the less effort it will take to accumulate extra capital for your retirement.
4
And the most important: make the most of the tax benefits on your income tax return. For example, if during a year you contribute € 1,500 to your plan, you can save up to € 705 on your income tax return.
Information of interest
Short-term fixed income
Long-term fixed income
Mixed fixed income
Mixed variable income
Variable income
Pension Plans Management Entity BanSabadell Pensiones, EGFP, SA, Tax ID A58581331 and registered address at calle Isabel Colbrand, 22, 28050 Madrid. Registered in the Mercantile Registry of Madrid and in the Registrar of Insurance Entities of the DGSyFP with code number G-0085. Depositary entity: BNP Paribas Securities Services, S.C.A., sucursal en España, with Tax ID No. W-0012958-E and its registered offices at Calle Emilio Vargas, 4, Madrid. Registered in the special register of pension fund depositary entities maintained by the DGSyFP under code no. D-0163. Depository entity and marketer of pension plans: Banco de Sabadell, S.A., with Tax ID No. A-08000143 and its registered offices at Avda. Óscar Esplá, 37, 03007 Alicante. Registered in the M.R. of Alicante and in the General Directorate of Insurance and Pensions (DGSyFP) under code no. D-0016.
The document with the basic data for the participant is available to the public at the Banco Sabadell branches, as well as on the bank's website (www.bancosabadell.com/pensiones).
In all these pension plans there is the possibility of suffering investment losses due to fluctuations in their price or in the components that determine their market product. Request more information at your branch.
The document with the basic data for the participant is available to the public at the Banco Sabadell branches, as well as on the bank's website (www.bancosabadell.com/pensiones).
In all these pension plans there is the possibility of suffering investment losses due to fluctuations in their price or in the components that determine their market product. Request more information at your branch.
-
Apply now...
-
By Internet
-
By visiting our branches
Personal Pension Plans-
Call us on number
+34 935 202 910
Lines open 24/7 - Visit our branches
-