Pension plans

Pension plans

We all have our plans

What do our pension plans offer you?

Thanks to our Pension plans you will have the perfect solution for starting saving to supplement the income from your pension and allow you to keep up the standard of living which you have always wanted for that time. In addition, we offer you all kinds of individual pension plans so that you can find the one which best suits your expectations of profitability and your profile as an investor.

Benefits of our pension plans

Perfect addition

Maintain your quality of life and your purchasing power once retirement comes with this financial supplement to your income from the public pension service.

Made to your measure

They are designed to adapt to your personal situation, your age, the number of contributions that you wish to make and when you want to make them.

Tax advantages

Benefit from tax deductions in your Income Tax declaration as contributions made are deducted in full from the base for this tax.

All facilities

You can modify your plan whenever you like and if you already have one with another company we will deal with all the transfer formalities at no trouble to yourself.

Pension plans

Categories

This is a short-term fixed income pension plan especially aimed at people apprioaching retirement age or who are looking for a type of investment which reduces risk to a minimum and whose objective is to keep the amount accumulated. This low level of risk is achieved by investing 100% of the money in fixed income assets.

Contingencies and other situations

On retirement under the corresponding Social Security system, at the normal age, before or afterwards.

Information of taxation

Contributions that you make to the chosen pension plan may be regular (monthly, quarterly, half-yearly or annual), extraordinary or a combination of both. You can also have a constant amount or revalue it annually with the possibility of suspending contributions at any time and resuming them if you so decide. The annual total for all contributions to the pension plan may at no time exceed the legally set limits.

Apart from constituting the saving necessary to maintain your living standard in the future, with pension plans you will free up very significant amounts when paying Income Tax, as contributions made are deducted from the tax basis, with a limit set at the lesser of the following two amounts: 8,000 euros or 30% of the net proceeds from work or economic activities.
 

FAQs

Because keeping up a stable financial position during retirement is one of the biggest worries connected with savings as the Social Security public pension system is insufficient.


In view of this, pension plans offer a very adequate solution as they will supplement this system with a financial contribution which will help us keep up the desired status. In addition, it has significant tax advantages, it is a disciplined method of saving and includes cases of liquidity for special cases where a participant may need his/her savings.

Apart from the contingencies provided for in the pension plan, i.e. retirement, incapaclty, dependence or death, there are two special cases where you can get your savings early. These situations are long-term unemployment or a serious illness featuring among the cases in current laws.

There is flexibility when it comes to making contributions. Both the amount and their frequency may be freely established or suspended and resumed at another time.

The amount may be adapted to the purchasing power of the shareholder and his/her preferences, provided that established legal limits are not exceeded.

Yes, and simply and free of charge as the rules for these savings system provide for the possibility of transferring plans immediately.

Why choose Plus Ultra Seguros?

Tax benefits

Constant information

Personalised

Profitability

Depending on the Plus pension plan chosen, you may obtain a return as a result of the investments made in accordance with the risk profile selected. You can check the history of our pension plans on the following table, but always bearing in mind that past returns are no guarantee of future returns.

Table of returns

PlansAccumulation for the yearLast 12 monthsLatest business year At 3 years Annual Effective Rate of Interest.At 5 years Annual Effective Rate of Interest.At 10 years Annual Effective Rate of Interest.At 15 years Annual Effective Rate of Interest.At 20 years Annual Effective Rate of Interest.Historic (from inception)
Plus Ultra dinámico-0.40%-0.44%-0.68%0.38%1.13%1.72%--1.69%
Plus Ultra fixed income2.51%3.31%1.32%4.86%5.17%2.95%--2.71%
Plus Ultra mixed fixed income1.59%3.64%1.83%3.02%4.70%---2.18%
Plus Ultra mixed-2.31%3.71% 13.52%6.25%10.35%3.28%--3.60%
Plus Ultra variable income-2.99%4.48%18.22%6.76%12.32%3.39%--4.26%

Comparative chart

Pension plansProfileRiskSavings horizon
Plus Ultra dinámicoVery conservativeMinimum Short-term
Plus Ultra fixed incomeConservativeLowLong-term
Plus Ultra mixed fixed incomeModerateMiddle-lowMedium term
Plus Ultra mixedBalancedMediumMiddle and long term
Plus Ultra variable incomeAggressiveHighMiddle and long term

Net Asset Value

Plans Net Asset Value
PLUS ULTRA DINÁMICO 49,40087
PLUS ULTRA MIXTO 128,17247
PLUS ULTRA RENTA FIJA 85,11597
PLUS ULTRA RENTA FIJA MIXTA 12,20072
PLUS ULTRA RENTA VARIABLE 110,72672

Plus Ultra dinámico

Risk profile / return

Smaller risk Major risk
1234567
Usually smaller yield Usually great yield

This information is indicative of the risk of the fund and has been calculated on the basis of historical data. The category may vary over time and is updated quarterly and contained in the document of basic information for the participant which must be presented when concluding of the contract.

Alerts on liquidity

Collecting payment or exercising the right of redemption is only possible in the event of any of the contingencies or exceptional cases of liquidity regulated in the rules on pension plans and funds occurring.

The value of the rights of mobilisation, of benefits and of exceptional liquidity circumstances depends on the market value of the assets of the pension fund and it can cause substantial losses.

Plus Ultra fixed income

Risk profile / return

Smaller risk Major risk
1234567
Usually smaller yield Usually great yield

This information is indicative of the risk of the fund and has been calculated on the basis of historical data. The category may vary over time and is updated quarterly and contained in the document of basic information for the participant and must be presented when concluding of the contract.

Alerts on liquidity

Collecting payment or exercising the right of redemption is only possible in the event of any of the contingencies or exceptional cases of liquidity regulated in the rules on pension plans and funds occurring.

The value of the rights of mobilisation, of benefits and of exceptional liquidity circumstances depends on the market value of the assets of the pension fund and it can cause substantial losses.

Plus Ultra mixed fixed income

Risk profile / return

Smaller risk Major risk
1234567
Usually smaller yield Usually great yield

This information is indicative of the risk of the fund and has been calculated on the basis of historical data. The category may vary over time and is updated quarterly and contained in the document of basic information for the participant and must be presented when concluding of the contract.

Alerts on liquidity

Collecting payment or exercising the right of redemption is only possible in the event of any of the contingencies or exceptional cases of liquidity regulated in the rules on pension plans and funds occurring.

The value of the rights of mobilisation, of benefits and of exceptional liquidity circumstances depends on the market value of the assets of the pension fund and it can cause substantial losses.

Plus Ultra mixed

Risk profile / return

Smaller risk Major risk
1234567
Usually smaller yield Usually great yield

This information is indicative of the risk of the fund and has been calculated on the basis of historical data. The category may vary over time and is updated quarterly and contained in the document of basic information for the participant and must be presented when concluding of the contract.

Alerts on liquidity

Collecting payment or exercising the right of redemption is only possible in the event of any of the contingencies or exceptional cases of liquidity regulated in the rules on pension plans and funds occurring.

The value of the rights of mobilisation, of benefits and of exceptional liquidity circumstances depends on the market value of the assets of the pension fund and it can cause substantial losses.

Plus Ultra variable income

Risk profile / return

Smaller risk Major risk
1234567
Usually smaller yield Usually great yield

This information is indicative of the risk of the fund and has been calculated on the basis of historical data. The category may vary over time and is updated quarterly and contained in the document of basic information for the participant and must be presented when concluding of the contract.

Alerts on liquidity

Collecting payment or exercising the right of redemption is only possible in the event of any of the contingencies or exceptional cases of liquidity regulated in the rules on pension plans and funds occurring.

The value of the rights of mobilisation, of benefits and of exceptional liquidity circumstances depends on the market value of the assets of the pension fund and it can cause substantial losses.