Variable Income
Benefits
Greater long-term profitability
This type of plan is designed for people with a pro-risk investment profile. Investments are mostly in variable income and they provide higher long-term returns.
Transparency
In addition to high profitability, this type of plan is simple and you can always see how the investment is progressing.
Diversified investment
The variable income pension plans work with a number of companies that are listed on the main markets.
Products
The investment objective is to maintain 100% in International Variable Income. You can invest up to 10% in alternative assets.
The investment objective is to maintain 100% in Variable Income with the aim of replicating the behaviour of the Ibex-35.
The investment objective is to maintain 100% in International Variable Income.
The investment objective is to maintain 100% in Variable Income with a global focus, concentrating on the main economic and structural trends.
100% investment in American variable income through Investment Funds, Stocks, ETFs and/or derivative instruments.
The investment objective is to maintain 100% of its net worth in Variable Income securities from emerging countries.
The investment objective is to maintain 100% in Eurozone Variable Income.
Other frequently asked questions
Variable income refers to the purchase and sale of shares in publicly traded companies. The return is higher than with fixed income. However, the risk is higher. It is not recommended for investors with a conservative profile.
When the time frame until retirement is long or when risk aversion is not a problem.
This plan invests in riskier funds and markets to achieve higher returns, but is subject to market fluctuations.
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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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