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Guide to Retirement
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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.
Indicadores riesgo 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.
Indicadores riesgoThe 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.
 
 
Planes de pensiones Individuales
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 long-term products that make it easy to accumulate savings for when you retire, and they supplement your public pension 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

Adriana

She took out a 35-year pension plan

 
Total annual contribution:
€ 3,000
Capital accumulated at retirement:
€ 134,400
Maximum tax savings during the first year:
€ 1,400
Carlos

He took out a 50-year pension plan

 
Total annual contribution:
€ 3,000
Capital accumulated at retirement:
€ 60,900
Maximum tax savings during the first year:
€ 1,400
As you can see, the sooner you start saving, the easier it will be for you to accumulate savings for your retirement.
Carlos, who signed up for his plan at the age of 50, would have to contribute more than double to get a capital equal to Adriana's: he must save € 6,616 a year to get a capital of € 134,400.

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 €8,000 to your plan, you can save up to €3,600 on your income tax return..
Choose the product that best suits your profile

Renta fija a corto plazo

Renta fija a largo plazo

Renta fija mixta

Renta variable mixta

Renta variable

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. Depository entity, promoter and marketer of pension plans: Banco de Sabadell, S.A., NIF A08000143 with Registered Offices at Óscar Esplá, 37, 03007 Alicante registered in the Mercantile Registry of Alicante and in the DGSyFP with code N° 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.
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    Personal Pension Plans
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