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BSA pension plans

Pla de pensions BSA

Think of your future today. Start now to save by making regular contributions for a capital or an income at the time of retirement and supplement your pension.

There are different types of plans at your disposal for you to choose the one that fits your savings profile. Decide at any time the amount and how often you want to make contributions.

Tax advantages
You can reduce up to 5000 € the base of taxation of personal income tax (IRPF).

Availability
The capital invested will be available at the time of retirement, in the event of disability or death as well as in exceptional situations such as a situation of unemployment, serious illness (sick leave exceeding 12 months) or for transfer of tax residence outside of Andorra.
The payment of the benefit may be in the form of capital, income or a combination of the previous two.

Other benefits
Free life insurance for the amount of consolidated rights starting from 6.010.12 € up to a maximum of 30.050.60 €, with the exception of the BSA Guaranteed Capital Pension Plan. The contributions to BSA pension plans do not generate any comission.

Do you have a company and wish to contract a pension plan for your employees? Contact your personal agent who will advise you on the most appropriate option for you.
 

  • Guaranteed Capital

    The Guaranteed Capital Pension Plan allows you to have an accumulated capital or an income at the time of retirement with a full guarantee.

    • Capital 100% guaranteed by BSA.
    • Annual interest rate guaranteed* (year 2019, 0,50%).
      *(this interest rate is established for each calendar year according to market conditions, past performance is not necessarily indicative of futures returns).
    • Flexibility in the contributions, up to a maximum of € 10.000 per year.

    For more information on the BSA Guaranteed Capital Pension Plan see the regulationsand fileof the fund you invest in.

    Contract

  • Senior

    Invests approximately 25% in equities. It is appropriate for people aged over 55.

    • When retirement age is approaching, saving becomes more important.
    • The time horitzon until retirement is a short one, so conserving your capital becomes more important.

    For more information on the Senior Pension Plan, see the regulationsand fileof the fund invest in.

    Pla de pensions Senior

    Contract

  • Mixed

    Average allocation in equities of 50%. It is suitable for people between 40 and 55 years old, with a medium or long term investment horizon.

    • It is the period when your assets are consolidated.
    • The capital saved can be significant, and although the investment horizon is a long one, it becomes necessary to exercise a certain risk control and limit the riskier assets.

    For more informaion on the Mixed Pension Plan see the regulationsand fileof the fund you invest in.

    Pla de pensions Mixt

    Contract

  • Junior

    Invest approximately 70% in equities. It is suitable for persons aged under 40:

    • The age at which an investor starts to have a saving capacity.
    • The time remaining until retirement age is a long one, which allows the capital to be invested in assets with a higher risk level that in short term, increasing the probability of obtaining a higher return.

    For more information on the Junior Pension Plan see the regulationsand fileof the fund you invest in.

    Pla de pensions Junior

    Contract