[F12] [Individuals - Savings and investment insurance] - Guaranteed returns

Guaranteed Return or Guaranteed Income Insurance

Save in a convenient and effortless way

Find out how to save up effortlessly with VidaCaixa. If you’d like to take care of your future and that of your loved ones, we bring you the means to make a return on your savings easily, with no rush or complications. Plan your savings with an income that can change your future life! 

[F17] Navegacion - Seguros de ahorro - Rentabilidad garantizada

[F23][Productos] Individuals - Savings insurance - Guaranteed returns


Guaranteed return

With the guaranteed return savings tools, the return on your investment is guaranteed 100%. You can enjoy a regular income or a lump sum with the Individual Systematic Savings Scheme (PIAS, Plan Individual de Ahorro Sistemático) and the Individual Long-Term Savings Insurance (SIALP, Seguro Individual de Ahorro a Largo Plazo). If you don’t like taking risks with your savings, choose the guaranteed savings scheme that best suits you.

[F18] Benefits - Savings insurance - Guaranteed returns




This is a very convenient way of saving up. With VidaCaixa’s guaranteed savings scheme you can take all your money saved whenever you need it and with no penalty fees.


They are a flexible and simple way of saving up. You can start with small deposits and then increase or decrease them as you need. Make the plan fit you.

Get back the funds

Your loved ones will be able to take the funds in the event of death, as our guaranteed savings schemes include an insurance for the beneficiaries.

Tax benefits

You’ll enjoy tax benefits on the return you get as they’re tax-free

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Do you have any doubts or don’t know where to start? Don’t worry, we’ll tell you all you need to know about our guaranteed savings schemes to plan your and your loved ones’ future. Check our FAQs for more information.

Asset Publisher

  • What’s a guaranteed savings scheme?

    • It’s the best savings tool! It provides an annual return and a guaranteed minimum return. Also, during the scheme, you won’t have to pay tax on the return made. It’s an investment with practically no risks that allows you to take all your capital. They’re the best supplement to your pension.

  • How does a savings or investment insurance work?

    • A savings or investment insurance is a financial product that helps you make the most of your money. They are designed for a more conservative profile given their low risk, but their return is lower too. Even so, over the last few years, we’ve witnessed the rise of the Planes Individuales de Ahorro Sistemático (PIAS, individual systematic savings plans) and the Unit Linked schemes that offer tax reliefs on the return gained and the option in some cases to make regular deposits without exceeding a certain amount.

  • What are the benefits of a savings scheme?

    • As you’ll see, the greatest benefit of a savings scheme is the tax relief. The interest earned is tax-free, but you often have to meet the conditions of the scheme.

  • Why take out a savings insurance and how does it benefit me?

    • If you’d like to supplement your retirement pension or see your savings account grow, investment or savings insurances are your best option. These are attached to a life insurance with which you’ll be able to cash in the relevant amount in the event of death. They also offer tax reliefs, guarantee a return and allow you to withdraw your money whenever you want.