Pension plans
Saving for retirement is now essential. At VidaCaixa we have a wide variety of pension plans to suit your age and investor profile. A safe and reliable investment option that also has significant tax advantages in your income tax return.
If you are from the Basque Country, see the specific features of the Social welfare plans for residents in the Basque Country
Benefits
Flexibility in frequency of contributions
You can decide the frequency that suits you best: monthly, quarterly, half-yearly or annual.
Tax benefits
Pension plans are the only financial product that can be deducted in the income tax return.
Taking out multiple plans at once
You may combine several pension plans and contribute up to a maximum of €1,500/year.
Transfer of capital from one institution to another
You can move funds from another institution into the plan that best suits your investor profile.
Products
The risk level of the plans, on a scale of 1 to 7, ranges from 2 to 6.
Potentially lower return
Lower risk
Potentially greater return
Greater risk
All
5
The risk level of the plans, on a scale of 1 to 7, ranges from 2 to 6.
Potentially lower return
Lower risk
Potentially greater return
Greater risk
This is a range of plans aimed at optimum management of savings, taking into account the retirement time-frame horizon.
+50
5
The risk level of the plans, on a scale of 1 to 7, ranges from 2 to 6.
Potentially lower return
Lower risk
Potentially greater return
Greater risk
This is a range of plans in which fixed and variable income is combined to offer you the best combination of profitability and risk.
-50
6
The risk level of the plans, on a scale of 1 to 7, ranges from 2 to 6.
Potentially lower return
Lower risk
Potentially greater return
Greater risk
This is a range in which you invest in plans linked to the stock market to take advantage of the potential return when you are still many years away from retirement.
+60
3
The risk level of the plans, on a scale of 1 to 7, ranges from 2 to 6.
Potentially lower return
Lower risk
Potentially greater return
Greater risk
This is a range of plans in which you invest in money markets and fixed income to collect benefits when you are only a few years away from retirement.
The risk level of the plans, on a scale of 1 to 7, ranges from 2 to 6.
Potentially lower return
Lower risk
Potentially greater return
Greater risk
The risk level and the liquidity alerts for each plan are detailed in the key information document that can be consulted from the catalogue.
Receiving the payments or exercising the right to redemption is only possible in the event of the occurrence of any of the contingencies or exceptional liquidity circumstances allowed by pension plan and fund regulations.
The value of the transfer rights, payments and exceptional liquidity circumstances depends on the market value of the pension fund's assets and can cause significant losses.
Other frequently asked questions
The maximum annual contribution is 30% of the income from work and economic activities received individually throughout the year, or €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.
You can receive payment when any of these contingencies occur: retirement, disability, death or dependency. Savings can also be redeemed in the event of serious illness or legal unemployment.
In the form of capital (one-off payment); income (periodic payments); combining capital and income or payment to the beneficiaries in the event of death.
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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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