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Even 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.

Did you know that...?

After starting retirement you’ll live an average of...

… 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.

In order to be able to enjoy a monthly income of €200 per month from the age of 65...

… 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!

Some products enable you to save for your retirement while enjoying tax advantages.

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.

PLANS DESIGNED FOR YOU

Prepare for your retirement

Dynamic Future Plan 2045, PP

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.

  • Target retirement date: 2045
  • High investment risk
  • Reduction in equity investments: from 95% to 10%.
  • Automatically adapts investments as the target retirement year draws closer
Plan 60, PP

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.

  • Mixed equities
  • Approximately 60% of investment is in equities
  • For people who are still a long way from retirement and would like to earn equity market returns over the medium to long term.
Individual Systematic Savings Plan (PIAS)

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.

  • 100% guaranteed returns that are known in advance.
  • You may withdraw all or part of your plan’s balance at any time without any penalty from the insurer.
  • Short-term investments
  • Saving for retirement without losing liquidity

Going to move out on your own?

Moving out on your own marks a major change in your life. New plans and the excitement of a new phase. This is also a time for you to plan carefully for expenses and accept new responsibilities. Learn more
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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).