CABK Destino 2026
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You will have access to an active management that gradually adjusts the investments towards a more conservative profile the closer you get to your retirement age.
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VidaCaixa will guide you during your first steps towards your future. You decide where you’re heading and we take care of the rest. Our destination retirement schemes are the safest and most transparent way to make a return on your savings at your own pace, with a savings philosophy that works with dates and goals. From among our destination retirement schemes, you can determine your savings goals. Find out about each one and choose the one that best fits your needs.
Choose your future with the best destination retirement scheme that fits you
You will have access to an active management that gradually adjusts the investments towards a more conservative profile the closer you get to your retirement age.
A destination scheme to make a return on your savings until 2030, with investments tailored to shift towards a more stable risk the closer you get to your goal.
This scheme is forward-looking. The target date is 2035 to make the most of your savings and have a stable investment when you eventually retire.
If your retirement is still far away, don’t worry, we have destination schemes that fit you, managing your savings to build a nice nest egg for your future. Set your target date to 2040 and let go of your worries!
Make a good investment with your savings with your sights set on your retirement. With this destination retirement scheme, the investment will be in equity and will become more and more stable as you get closer to your retirement.
Your retirement is still far away, but saving up is always a good plan to improve your future and with the Destino 2060 retirement scheme you can invest your savings, make a return and make sure the profile is more stable the closer you get to your retirement.
Make the most of your savings with pension schemes. They are the only financial product with income tax reliefs.
Make your savings grow without taking risks. Our destination pension schemes will make a higher return on your savings during the first years and then gradually turn into a stable cushion to protect your money for the future.
Why would Destino Plans suit me?
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.
Is it a safe investment?
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.
Do destination schemes have any tax benefits?
Destination schemes are the only financial product that is eligible for income tax relief. The deductible amount will be the lowest between:
- 30% of the aggregate net income earned from work and economic activities during the year.
- €1,500 per year but may rise to €8,500 as long as it comes from the company’s or the worker’s deposits into the same retirement savings instrument for an amount that is equal or below the company’s deposit.
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You will learn to enjoy the future without worries.