Saving for retirement with attractive tax advantages

Destino is a range of pension plans that follow the philosophy of plans with a target date. These are non-guaranteed plans designed for the optimal management of savings taking into account the time until retirement. The Destino range is made up of 4 pension plans with different target dates. Select the one closest to your retirement date.

Benefits

Optimum savings

The Destino Plans manage savings in an optimal way depending on the years you have before retirement.

Tax benefits

You will benefit from significant tax advantages in your income tax return.

They guarantee a sound investment

There is a greater exposure to variable income at the outset in order to increase your savings and then the investor profile gradually becomes more conservative.

Products

Active management adapting investments to a more conservative profile as it approaches the 2022 retirement horizon.

Active management adapting investments to a more conservative profile as it approaches the 2030 retirement horizon.

Active management adapting investments to a more conservative profile as it approaches the 2040 retirement horizon.

Active management adapting investments to a more conservative profile as it approaches the 2050 retirement horizon.

Frequently Asked Questions

These plans adjust your investment to the years remaining until retirement. They work as follows: first, savings are made to grow and as the retirement date approaches, the investment strategy gains stability.

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The Destino Plan portfolios are widely diversified. This is the key. Some years it will be the stock exchanges in emerging markets, in others it will be gold or European bonds. This strategy helps reduce investment risk while maintaining a profitable outlook.

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Yes, pension plans are the only financial product that can be deducted in the income tax return. Savings invested in a pension plan - up to €8,000 per annum - are fully deductible in the annual income tax return.

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Why

More than 100 years of experience in retirement

We have been helping people prepare for their retirement and offering personalised advice for over 100 years.

We are leaders

VidaCaixa is the largest insurance group in the country and first in the life insurance and pensions rankings.

Committed to our customers

We are the private entity that makes the most payments: about €4 billion each year.

We are the best pension fund manager

The quality of our management can be seen from the more than 25 internationally prestigious awards, including best pension fund manager, and the trust of so many customers.

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