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BSA retirement plans

BSA_PlanJubilacionBSA

Anticipation, is the keyword for making the most of you retirement when the time comes. BancSabadell d'Andorra helps you prepare a more peaceful retirement.

You can choose any of our Retirement Plans, senior, junior or mixed in depending on your investor profile.

The Retirement Plans differ from BSA Pension Plans mainly due to its flexibility when it comes to dispose of the capital invested and their contributions are not deductible from the base of taxation of personal income tax (IRPF).

Features:
  • Access to your money without any form of penalty when needed, in whole or in part.
  • Monthly contributions adapted to your finances.
  • The yields obtained of the Retirement Plans are exempt from taxation of IRPF.
  • The contributions are not tax deductible in IRPF.
  • Life insurance free of charge, in case of an accident, to the amount of consolidated rights starting from 6.010.12 € up to a maximum of 30.050.60 €.
  • The contributions to BSA Retirement Plans do not generate any commission.

  • 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 Retirement 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 Retirement 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 Retirement Plan see the regulationsand fileof the fund you invest in.

    Pla de pensions Junior

    Contract