Todo lo que necesitas para tu jubilación

Everything you need for your retirement

VidaCaixa wants to help you plan your retirement. This is why we provide you with all the information, tips, solutions and everything else you need for your retirement. Because we are well aware that everyone wants a comfortable retirement, so we know what’s important for you: being safe and free of worries. Plan your future from the present. Find all the answers at VidaCaixa. 


Your future starts here, get ready for your retirement.

Your retirement may seem far away, but time flies by and it’s never too late to start saving up. Now’s the time to start thinking about your future so that, when the time comes, you can fully enjoy your retirement.


How much will I receive when I retire?

The first thing that comes to mind is how much pension will one get. How much can I receive when I retire? The pension situation in Spain is quite tricky, as population ageing is becoming a challenge for all advanced economies.  The government has had to made adjustments, like gradually delaying retirement age and increasing certain taxes to raise funds. It’s a big challenge and that’s why it’s essential to plan our future and retirement from a financial point of view. You can calculate your pension or learn about the products that best fit you to start improving your future straight away. 


Make your life more comfortable during your retirement

VidaCaixa wants to support you during all the important times and help you build the future you wish for you and your loved ones. That’s why, depending on your circumstances and future prospects, we help you prepare as best as possible with planning and savings solutions that suit you. Check our pension schemes for your financial reassurance, get the highest return on your money with the best investment fund for you and learn all the information about our products. 


How should I prepare for my retirement?

People often wonder where to start when they decide to save up. VidaCaixa will give you a few keys to help you. These are five keys in the form of questions to analyse what you really need and is convenient for your retirement.  

  1. How will I live my retirement?
  2. What do I need?
  3. How much do I need to save up?
  4. How and when do I need to save up?
  5. When should I start saving up?


How can I supplement my pension income?

Supplementing your pension income is indeed possible and the only trick is to save up. In this regard, your time and perseverance will be rewarded. As little as you may save, getting into the habit of saving up and giving it time to grow are the keys to reaching our retirement goal. The final savings are calculated taking into account that the retirement age is 67. 




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  • How much should I save every month for my retirement?

    • There isn’t a specific amount to save, but we do advise you to put aside at least 10% of your monthly salary and go increasing it as your salary rises over time.

  • What should I do to have a good pension pot?

    • People often ask themselves what to do to have a good pension pot, but there isn’t a specific guide for this. What you really need is the help of an expert advisor or to draw up a plan with a pension scheme early on. We advise you to get going early on. So how do you prepare for your retirement? Some tips are first thinking about how you'd like to live when you retire. Estimate how much pension you’ll receive from the government, taking into account important factors like inflation and your return or risk profile. Look into pension schemes and set up the one that best fits your needs and persevere and be patient to avoid touching the nest egg you’re building for your retirement. 

  • How long do I need to contribute to the Social Security institution to get 100% of my pension?

    • It depends on how old you are when you retire and the contributions made to the Social Security institution during your working life. The retirement age in Spain will increase gradually until 2027, when it will be 67 years. In 2018, the retirement age was 65 years and 6 months if you wanted to receive 100% of your pension.

  • What will happen if I become unemployed or my business closes down?

    • There’s the option of paying the contributions yourself through special agreements with the Social Security authorities to keep being entitled to your pension. Ask one of our advisors or staff members. 

  • How is the widow/widower’s pension stipulated?

    • The deceased must have been registered with the Social Security institution and paying contributions to it for a certain time. The calculation basis depends on the deceased’s situation (active worker or pensioner) and the cause of their death (common contingency or workplace contingency). Feel free to ask for advice.

  • When should I start saving up for my retirement?

    • There isn’t a specific age to start saving up for your retirement. But there is a maximum age accepted and recommended by any advisor: the sooner you start, the better, because it will require far less effort. Therefore, as soon as you have some savings capacity, like for example at 30, you should start saving up or even before if possible.

  • How can I retire at 55?

    • Generally speaking, you can’t retire at 55, as you need to reach the minimum age to be entitled to a forced retirement pension, which is four years before the legal retirement age.

  • How to get the best pension possible?

    • Firstly, you have to take into account your age, savings and income. We advise you to bear in mind all the keys to getting the best pension possible. Age is a determining factor in receiving your retirement pension, based on the number of years you’ve been paying contributions to the Social Security institution and the increased minimum age. As we know, the higher life expectancy has also meant an increase in the number of years you will be receiving said pension. Also, putting some money aside every month, as if it were a fixed expense, will be essential to build a nest egg that will add to your pension. With time and perseverance, you’ll be able to make those savings work for you and get the best return possible. 

  • How do I know if I’m entitled to a pension?

    • In order to be eligible for a pension, you must have paid contributions to the Social Security institution and have been working for the minimum time set to receive a pension. You can ask for this information online, through the Social Security website.