Preferred Pension Plans for Self-Employed in the Basque Country

These are pension plans specifically designed for self-employed workers in the Basque
Country. They offer tax benefits, reduced fees and comprehensive cover for a range of events.

• CABK Equilibrio Autónomos: Mixed fixed income, with a more conservative profile
  (25% equity).
• CABK Crecimiento Autónomos: Mixed equity, with greater potential return (40%
  equity).

Both have a medium risk profile and are designed to suit different saving styles.

Any self-employed person in the Basque Country, as well as their employees if they choose to
include them.

The plans include cover for:

• Retirement
• Permanent disability or incapacity
• Death
• Serious illness
• Long-term unemployment
• Dependency

• Additional tax relief of up to €4,000 per year for contributions to these plans.
• This is on top of the €5,000 tax relief available for individual plans.

You can contribute:

• Regularly or as one-off payments
• With additional lump sums if you wish
• On your own behalf or on behalf of your employees

Yes. You can transfer your rights from other plans, even if they are not Occupational Pension
Plans.
However, you may only transfer your rights into other Occupational Pension Plans.

Only when one of the covered events occurs.
Withdrawals based on plan duration alone are not permitted.

• As a financial annuity (minimum 15 years)
• As a lifetime annuity
• As a lump sum if the total is less than €39,466¹
• Or as a combination of both (mixed option)

Both plans have a total fee of just 0.45%, helping to maximise your net return.

You become a suspended member but retain your financial rights, which you can later
reactivate or transfer to another Occupational Pension Plan.

Each plan has a Supervisory Committee with representation from the Chambers of Commerce
and the self-employed, ensuring transparency and oversight.