Savings &
Retirement
Plan your future with savings solutions tailored to your goals. We compare insurers and find the option that suits you best, not us.
It's never too early
to plan
The state pension is not enough to maintain your current standard of living. Starting as early as possible, even with a little, makes the difference.
Middle-aged workers
Between 35 and 55 is the ideal time to plan. There is time to build capital and the tax advantages are at their greatest.
Self-employed and freelancers
Without an employer scheme or collective agreement, personal provision matters even more. There are products with specific tax relief for the self-employed.
Those who want to top up their pension
Even if you already pay into Social Security, savings insurance lets you top up your future pension and cover the unexpected during retirement.
Solutions tailored
to your time horizon
Flexible Savings Plan
For those who want to start saving with contributions that adapt to their situation.
- Regular contributions from any amount
- Option of early withdrawal
- Guaranteed capital
- No long-term commitment
Retirement Plan
The most chosen. Tax efficiency and long-term returns.
- Tax relief on your income tax return
- Guaranteed or with-profits return
- Death cover included
- Personalised projection of your future benefit
- Option to transfer at no cost
Business Pension Plan
For the self-employed and companies who want to top up their retirement provision.
- Cover as self-employed or company
- Deductible as a business expense
- Combinable with Social Security benefits
- Retirement planning advice included
Everything you
need to know
Savings insurance (such as PIAS or Unit Linked products) are insurer products with more liquidity and flexibility than pension plans. Pension plans have greater tax advantages but more restrictions on early withdrawal.
Yes. Savings insurance is guaranteed by the insurers, which are regulated and supervised by the Directorate-General for Insurance and Pension Funds. In addition, the funds are kept separate from the company’s own assets.
It depends on the product chosen. Some allow full or partial withdrawal at any time, others have specific conditions. We advise you on the most suitable option for your time horizon and liquidity needs.
It depends on your current age, the capital accumulated so far and the benefit you expect from Social Security. We make a free, personalised projection so you can see how much you need to save each month.
Want to know how much you need to save?
We run a free projection based on your age, situation and goals. No obligation.
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