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Sabadell Future Plans

The individual pension plans

 Start your future plan Start your future plan Think ahead and guarantee your future
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Transfer your pension plan to Banco Sabadell


Bring your pension plan with a minimum amount of €4,000 from another bank by June 30, 2025 and we’ll give you a bonus of up to 6% on the amount transferred with a 9 year commitment1. 
 Transfer your pension plan
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Between 37 and 55 years of age

Plan your ideal future as your retirement approaches

Sabadell Future Plans is a range of individual pension plans whose investments are actively managed and diversified as you approach retirement.

 Get your individual pension plan
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Decreasing risk

Tailored to different investment profiles and risk levels
The investments become more prudent as your retirement date nears by reducing the exposure of the assets in variable income in favour of fixed income. Choose between more conservative and dynamic pension plans.
 Contract your future plan
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Tax benefits

Subscribe to a pension plan and save in your next tax return.
Subscribing to a pension plan guarantees you a deduction on your general income tax base, with savings of up to 47%2 in your next tax return.
 Start saving for your retirement

The keys to Sabadell Future Plans

Great variety A wide range of plans that adapt to your profile.  Flexibility You decide when to make your regular and one-off contributions. For as little as €30.
Active management We ensure that the investment is adjusted as your retirement approaches. Tax benefits Save up to 47%2 in your next tax return with your pension plan.
Great variety A wide range of plans that adapt to your profile.  Flexibility You decide when to make your regular and one-off contributions. For as little as €30. Active management We ensure that the investment is adjusted as your retirement approaches. Tax benefits Save up to 47%2 in your next tax return with your pension plan.
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Your Sabadell Plan Futuro, ready in just 3 steps

Fill in this form with your details and apply for your Sabadell Plan Futuro, the plan that meetsadapts to your retirement age.
A manager will contact you to enable you to subscribe to your Sabadell Plan Futuro.
Once you’ve subscribed to your pension plan, our experts will take care of the active management to ensure that you don’t have to worry about a thing.
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Choose the future plan that best suits your profile Dynamic Profile 
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Sabadell Plan Futuro 2030
Gradual reduction of the investment in variable income from 60% to 10% by 2030. 
Monthly report Ficha mensual .
Dynamic Profile Target retirement date: 2030. Risk level: 3/7. 1st in Inverco’s rankings of 3 and 5-year returns in the Fixed Mixed Income category in 2021. Request your planRequest your plan
Sabadell Plan Futuro 2030
Gradual reduction of the investment in variable income from 40% to 7.5% by 2030. 
Monthly report Ficha mensual .
Balanced Profile Target retirement date: 2030. Risk level: 3/7. 10th in Inverco’s rankings of 3-year returns in the Mixed Fixed Income category in 2021. Request your planRequest your plan
Sabadell Plan Futuro 2030
Gradual reduction of the investment in variable income from 15% to 7.5% over 5 years in the investment time horizon.
Monthly report Ficha mensual .
Prudent Plan Target retirement date: 2030. Risk level: 2/7. Request your planRequest your plan
Sabadell Plan Futuro 2035
Gradual reduction of the investment in variable income from 70% to 10% by 2035.  
Monthly report Ficha mensual .
Dynamic Profile Target retirement date: 2035. Risk level: 5/7. 10th in Inverco’s rankings of 3-year returns in the Mixed Variable Income category in 2021. Request your planRequest your plan
Sabadell Plan Futuro 2035
Gradual reduction of the investment in variable income from 50% to 7.5% by 2035.  
Monthly report Ficha mensual .
Balanced Profile Target retirement date: 2035. Risk level: 4/7. 3rd in Inverco’s rankings of 3-year returns in the Mixed Fixed Income category in 2021. Request your planRequest your plan
Sabadell Plan Futuro 2035
Gradual reduction of the investment in variable income from 15% to 7.5% over 5 years in the investment time horizon.
Monthly report Ficha mensual .
Prudent Plan Target retirement date: 2035. Risk level: 3/7. Request your planRequest your plan
Sabadell Plan Futuro 2040
Gradual reduction of the investment in variable income from 80% to 10% by 2040. 
Monthly report Ficha mensual .
Dynamic Profile Target retirement date: 2040. Risk level: 5/7. 3rd in Inverco’s rankings of 3-year returns in the Mixed Variable Income category in 2021. Get your plan
Sabadell Plan Futuro 2040
Gradual reduction of the investment in variable income from 60% to 7.5% by 2040.  
Monthly report Ficha mensual .
Balanced Profile Target retirement date: 2040. Risk level: 5/7. 2nd in Inverco’s rankings of 3 and 5-year returns in the Fixed Mixed Income category in 2021. Request your planRequest your plan
Sabadell Plan Futuro 2040
Gradual reduction of the investment in variable income from 15% to 7.5% over 5 years in the investment time horizon.
Monthly report Ficha mensual .
Prudent Plan Target retirement date: 2040. Risk level: 3/7. Included in the top 5 of Inverco’s performance ranking of the Fixed Mixed Income category in 2020 and 2021. Request your planRequest your plan
Sabadell Plan Futuro 2045
Gradual reduction of the investment in variable income from 95% to 10% by 2045.  
Monthly report Ficha mensual .
Dynamic Profile Target retirement date: 2045. Risk level: 6/7. Request your planRequest your plan
Sabadell Plan Futuro 2045
Gradual reduction of the investment in variable income from 70% to 7.5% by 2045.  
Monthly report Ficha mensual .
Balanced Profile Target retirement date: 2045. Risk level: 5/7. Request your planRequest your plan
Sabadell Plan Futuro 2045
Gradual reduction of the investment in variable income from 15% to 7.5% over 5 years in the investment time horizon.
Monthly report Ficha mensual .
Prudent Plan Target retirement date: 2045. Risk level: 3/7. Request your planRequest your plan
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Discover other Banco Sabadell Secured Pension and Benefit Plans
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Individual Pension Plans
To plan your savings with a view to your retirement
For customers seeking long-term returns.
Decide when and how much to contribute to the plan that suits you best.
Tax benefits, pay less in your tax return.
Subscribe to your pension plan
Find out more here
Secured Pension Plans
A guaranteed return you’re aware of in advance
If you have a conservative profile and you’re close to retirement.
Capital for your beneficiaries in the event of your death.
Tax benefits, pay less in your tax return.
Open your benefit plan
Find out more
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Manage your domestic finances with the Personal Finance service

The clearest and easiest way of organising your domestic finances. Access your BS Online and check all the information about how much money you have and what you’ve spent it on.
 Go to Personal FinanceGo to Personal Finance
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The advantages of digital banking with the best of an expert bank
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Condiciones legales
1 Offer made by BanSabadell Pensiones E.G.F.P., S.A., applicable to transfers of entries to BanSabadell Pensiones individual pension plans  that comply with the following: (i) only for transfers from institutions in which Banco Sabadell has no shares to the individual BanSabadell Pensiones pension plans included in this campaign, namely the Sabadell Future Plans range, BS Plan 15, PPI, BS Pentapensión, PPI, BS Pensión 60, PPI and BS Variable Income Plan, PPI (which can be viewed at www.bancsabadell.com/pensiones); (ii) made up to 06/30/2025; (iii) for an amount equal to or greater than €4,000 and; (iv) with a 9-year commitment for the specific amount of the balance established in the minimum termcommitment agreement signed by the member. This incentive is regarded as income from movable capital in accordance with current tax law and it is subject to withholding on account of personal income tax. You can view the information document with the conditions for this and other financial incentives at www.bancsabadell.com/pensiones.  
 
2 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 total sum of the net income from employment and economic activities according to the tax rules in force. 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.  
 
Secured Savings Plans are life-savings insurance policies of BanSabadell Vida, S.A. de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered offices at Calle Isabel Colbrand, 22, 28050 Madrid, registered with the Mercantile Register of Madrid and the DGSyFP Insurance Companies Register under code no. C-0557.

Insurance policies brokered by BanSabadell Mediació, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., with Tax ID no. A08000143 and its registered offices in Plaça de Sant Roc, nº 20, 08201 Sabadell, registered with the Merc. Reg. of Barcelona, and in the Administrative Register of the Directorate-General for Insurance and Pension Funds of the DGSyFP under code no. OV-0004, acting for BanSabadell Vida, S.A. de Seguros y Reaseguros, and carries Civil Liability Insurance pursuant to the provisions of the regulation on the distribution of private insurance and reinsurance in effect at all times.

You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at www.bancosabadell.com/bsmediacion.

Individual pension plans: Managing Entity: BanSabadell Pensiones, E.G.F.P., S.A. Tax ID no. A58581331 and its registered offices at Calle Isabel Colbrand, 22, 28050 Madrid, registered in the Mercantile Register of Madrid and the DGSyFP Insurance Company Register under code no. G-0085. Depositary entity: BNP Paribas, S.A., branch in Spain, with Tax ID no. W0011117-I and its registered offices at Calle Emilio Vargas, 4, Madrid, registered in the Special Register of pension fund depositaries of the DGSyFP under code D-0197. Depository entity and marketer of pension plans: Banco de Sabadell S.A., with Tax ID no. A08000143 and its registered offices at Plaça de Sant Roc, nº 20, 08201 Sabadell, registered in the Mercantile Register of Barcelona and in the DGSyFP under code D-0016.

The document containing the key information for members is available to the public at Banco Sabadell branches, as well as on the bank’s website: www.bancosabadell.com/pensiones 
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HomeRetirementSecured Pension and Benefit Plans Sabadell Future Plans
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