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Plan de Pensiones de Empleo - Banco Sabadell

A pension plan for your employees which complements their retirement 

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Foster employee loyalty by thinking about their future
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Added Value

A social benefit that is highly valued by workers

 The Employment Pension Plan1 lets you offer your employees a benefit with great added value: The peace of mind of having a complement to their retirement pension. With Banco Sabadell, you have two Employment Pension Plan options to choose from, with coverage that is tailored to your company's needs. Make an appointment
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Employment Pension Plan 
With different investment policies: so you can integrate your plan into the fund whose investment strategy best suits the needs of your employee group.
The Life Cycle model, which adapts to each employee's retirement goal, is available to you. Thus, the closer employees are to retirement age, the more prudent investments become.
Coverage in cases of retirement, permanent total disability, absolute disability, and severe disability, death, and severe dependency.
You can withdraw your funds early if any of the following conditions apply: serious illness of the participant, their spouse, children, or parents; long-term unemployment; or if contributions and employer contributions have been made for at least 10 years (in plans whose specifications provide for such cases).
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Jointly Promoted Employment Pension Plans
They are jointly promoted by several companies or entities.
It is ideal for small and medium-sized businesses as it can be set up by companies with as few as one employee.
Implementation or development costs are more competitive, as a developer company can join an existing pension plan that is made up of several companies.
The Life Cycle model, which adapts to each employee's retirement goal, is available to you. Thus, the closer employees are to retirement age, the more prudent investments become.
Coverage in cases of retirement, permanent total disability, absolute disability, and severe disability, death, and severe dependency.
You can withdraw your funds early if any of the following conditions apply: serious illness of the participant, their spouse, children, or parents; long-term unemployment; or if contributions and employer contributions have been made for at least 10 years (in plans whose specifications provide for such cases).
 Make an appointmentMake an appointment
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Benefits for your company

Foster your employee's loyalty, attract talent and get tax advantages
  • More committed employees: the Employment Pension Plan is a tool for fostering employee loyalty, giving them peace of mind in the future. It also gives you an edge to attract new talent.
    Tax advantages: contributions to the Employment Pension Plan are tax-deductible for corporate income tax (CIT) in the financial year in which they are made.
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Benefits for employees

Added peace of mind for tomorrow, and tax benefits today
  • Personal and family peace of mind: because when they retire, your employees can supplement their pension with the money in their Employment Pension Plan.
  • Tax advantages: contributions2 made by both the company and the employee reduce the employee's personal income tax.
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The advantages of the Employment Pension Plan

  • Added Value

     Give your employees the peace of mind of having a complement to their retirement pension.

  • Flexibility

     Choose the Employment Pension Plan option that best suits your company.

  • Tax saving

     It offers tax advantages for both the company and the employees.

  • Adapted investment

     Opt for the Life Cycle model, the investment strategy that takes into account the time horizon linked to each employee's retirement date and evolves with them.

  • Added Value

     Give your employees the peace of mind of having a complement to their retirement pension.

  • Flexibility

     Choose the Employment Pension Plan option that best suits your company.

  • Tax saving

     It offers tax advantages for both the company and the employees.

  • Adapted investment

     Opt for the Life Cycle model, the investment strategy that takes into account the time horizon linked to each employee's retirement date and evolves with them.
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You may be looking for...
   
Simplified Employment Pension Plan for the Self-Employed

The Simplified Employment Pension Plan for the Self-Employed (PPESA) adapts to your life cycle, allows you to save on your tax return, and gives you the flexibility to modify, cancel, or make contributions whenever you want.
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Collective Retirement Plan

The BanSabadell Vida Collective Retirement Plan is a unit linked life insurance savings plan in which the policyholder assumes the investment risk, with various investment options available.
Find out moreFind out more
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With Banco Sabadell, carry out your day-to-day transactions in complete security through the channel of your choice.
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Do you have any questions? We're here to help you

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Exclusive telephone service for customers, attended by business specialists.
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Información de interés:

  • Guide to Savings and Investment toward Retirement through the company
  • Advertising the Investment Strategy and Engagement Policy for Employment Plans
  • ICC (Internal Code of Conduct)
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Legal terms and conditions

1 Managing entity: BanSabadell Pensiones, E.G.F.P, S.A., with Tax ID No. A58581331 and its registered office at C/ Isabel Colbrand, 22, 28050 Madrid, registered with the Mercantile Register of Madrid and in the DGSFP Insurance Companies Registry under code G-0085. Depositary entity: BNP Paribas, S.A., Spain Branch, with Tax ID No. W0011117-I 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. Marketing agent of pension plans: Banco de Sabadell, S.A., with Tax ID No. A08000143 and registered offices at Plaça de Sant Roc, núm. 20, 08201 Sabadell. Registered in the Mercantile Register of Barcelona and in the DGSyFP under code no. D-0016. Each of the companies or entities that join the pension scheme will be considered a developer of the joint pension plan, and each company that formalises an occupational pension plan will be considered a developer of that plan.

2 The maximum legal limit for yearly contributions of a participant towards their individual pension plan is €1,500. This is a shared limit for all individual contributions made towards individual pension plans, employment pension plans, insured pension plans (PPAs), company social welfare plans and/or mutual insurance companies for social welfare, and can only be increased via individual contributions to the employment plan for an amount which will depend on the contributions made by the company on behalf of the participant and the employee’s earned income. The total annual contributions of the company and the participant to the set of social welfare instruments may in no case exceed EUR 10,000. The maximum per annum reduction in the general personal income tax base in the common territory and Navarre will be the lower amount of either the contribution made or 30% of the sum total of the net income from employment and economic activities, in accordance with the tax rules in effect.
In the special regional tax legislation of the Basque Country, the maximum limit for per annum reduction of the taxable base in personal income tax is €5,000 for individual contributions, €8,000 for company contributions and a joint limit of €12,000 for personal contributions and company contributions.

Simplified Employment Pension Plan for the Self-Employed 
Managing Entity: BanSabadell Pensiones E.G.F.P., S.A., with Tax ID No. A58581331, whose registered office is C/ Isabel Colbrand, 22, 28050 Madrid. Registered in the Comp. Reg. of Madrid and in the DGSyFP Management Company Register under code no. G-0085.
Depositary entity: BNP Paribas Securities Services, S.C.A., Spain branch, 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.
Promoter entity: the entity that promotes the pension plan. For example, they may be associations, federations, confederations or unions of associations of self-employed or self-employed workers, trade unions, professional associations or mutual benefit societies.
Marketing agent of pension plans: Banco de Sabadell, S.A., Tax ID No. 08000143, with registered office in Plaça de Sant Roc, 20, 08201 Sabadell. Registered in the Mercantile Register of Barcelona and in the DGSyFP under code no. D-0016. There is a document with key information so you can learn about the main characteristics and risks of these products, which you can consult at this link. 

Collective Retirement Plan
Insurance brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A. (‘BanSabadell Mediación’) and marketed through the network of Banco de Sabadell, S.A., an entity with which it has signed a distribution network services agreement. BanSabadell Mediación has its registered office at Plaça de Sant Roc, No. 20, 08201 Sabadell, has NIF A08000143 and is registered in the Royal Municipality of Barcelona and in the Administrative Registry of Insurance and Reinsurance Distributors of the DGSYFP with code No. OV-0004, acting for Sanitas, S.A. de Seguros and DKV Seguros y Reaseguros having taken out a civil liability insurance policy in accordance with the provisions of the regulations governing the distribution of private insurance and reinsurance in effect at any given time.
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BusinessInsurance and Pensions Employment Pension Plan