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You’re in one of the most exciting times of your life. Let us help you plan your future.
Make an appointmentEven if retirement is a long way off, we recommend setting aside a small percentage of your salary from the outset. By allocating a small amount, you can build up a large capital sum for your future.
… 18 years, and all experts agree that low birth rates and increasing life expectancies will make it hard for public pension systems to continue paying at today’s levels.
… you need to save €64 per month if you start at 35; €120 per month if you start at 45; or €296 per month if you start at 55. (1) Start as soon as you can!
Pension plans and PPAs let you to contribute up to €1,500 per year, which can be deducted from your taxable income. In addition to saving for your retirement, they allow you to enjoy tax advantages.
(1) Amounts calculated assuming: current life expectancy, retirement at age 65, estimated return of 4% p.a. during the accumulation period and 3% p.a. in the benefit period.
It’s a lifecycle pension plan which automatically adapts investments as its maturity date draws closer. Equity investment in 2018 was 95%, a percentage that will gradually be reduced to 10% in equities and the rest in bonds by 2045.
It invests 60% - 75% in shares of mostly listed Eurozone companies (commodities, real property and private equity), and it’s actively managed on the basis of market expectations. Remaining investment is in fixed income assets, mainly in euros, comprising inflation-linked bonds and deposits.
It allows you to save for your retirement with full liquidity and is the ideal product if you’re not interested in enjoying tax benefits, or if you put liquidity before tax benefits.
Managing entity: BanSabadell Pensiones E.G.F.P., S.A., holder of Tax ID No. A58581331, with registered office at Calle Isabel Colbrand, 22, 28050 Madrid. Registered in the Madrid Companies Register and in the Insurance Entities Register of the Directorate-General of Insurance and Pension Funds (DGSFP) under code C-0085. Depository: BNP Paribas, S.A., sucursal en España, holder of Tax ID No. W-0011117-I, and with registered office at Calle Emilio Vargas, 4, Madrid. Registered in the special register of pension fund depositories of the Directorate-General of Insurance and Pension Funds (DGSFP) under code D-0197. Pension plan sponsor and marketing entity: Banco de Sabadell, S.A., holder of Tax ID No. A08000143 and with registered office at Av. Óscar Esplá, 37, 03007 Alicante. Registered in the Alicante Companies Register and in the Insurance Entities Register of the Directorate-General of Insurance and Pension Funds (DGSFP) under code D-0016. A document with basic information for participants is available to the public at Banco Sabadell branches and on the bank’s website (www.bancsabadell.com, “Pensions” section).
