Destination
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 2026 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 2035 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.
Active management adapting investments to a more conservative profile as it approaches the 2060 retirement horizon.
Information on social security plans
In this section you will find the legal information and main characteristics of the pension plans integrated in GeroCaixa, EPSV Individual, available in VidaCaixa.
More information (Spanish)Other 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.
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.
Yes, pension plans are the only financial product you can deduct from your tax return. The deductible amount on the annual income tax return will be the lesser of the following amounts: a) 30% of the sum of the net income from personal work and economic activities received individually during the financial year. b) €1,500. This limit shall be increased by €8,500, provided that the increase comes from employer contributions, or from contributions by the employee to the same social security instrument for an amount equal to or less than the respective employer contribution.
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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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