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This information describes the risk of the Pension Scheme and may vary over time. It is calculated on the basis of simulated data that, however, may not be considered to constitute a reliable indication of the future risk profile of the Scheme. The risk profile information of each Scheme is available at Unicaja Banco Pension Plans Catalogue. The scale of risk of the pension schemes promoted ranges from 1 to 7.  

Collecting the pension payments or exercising the redemption right is only possible in the case of any of the contingencies or exceptional liquidity cases governed by the regulations on Pension Schemes and Funds taking place.

 

 

The value of the mobilisation fees, of the pension payments and the exceptional cases of liquidity depend on the market value of the Pension Fund assets and this may cause relevant losses.

PENSION PLANS

Your pension plan, to plan your life

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Uniplan with You pension plans

A range of four Pension Schemes with different retirement horizons, based on a Life Cycle investment strategy.

Flexibility

You can modify your periodic payments or make extra payments whenever you want.

Yield

Possibility of maximising returns on your contributions depending on your investment profile.

Fiscalidad(1)

Reduce your IRPF taxable income base based on your contributions to the pension plan. Check the tax benefits of pension schemes here.

A plan that changes, just like life does

Plan de pensiones de Unicaja entre 30 y 37 años

If you are between 30 and 37 years old

planes-pensiones-unicaja-entre-38-y-45

If you are between 38 and 45 years old

Plan de Pensiones Uniplan contigo 2038

If you are between 46 and 53 years old

Planes de pensiones de Unicaja Banco entre 54 y 61 años

If you are between 54 and 61 years old

DISCOVER EVERYTHING ABOUT OUR PENSION SCHEMES

We know that your retirement really matters. That's why you should get the most out of it by making periodic contributions (of at least €50 a month) to your pension plan to get into the habit of planning your savings with the amount and periodicity you choose.

If you already have a pension plan but want to bring it to Unicaja Banco, you can enjoy a wide variety of pension plans.

 

Choose the plan that best fits in with your needs:

  1. Fixed-income pension plans.
  2. Mixed-income pension plans.
  3. Variable-income pension plans.
  4. Lifecycle pension plans.

They are all included in our Pension Plan Catalogue.

WHAT ADVANTAGES DO PENSION SCHEMES HAVE?

Security for your retirement

Continue to enjoy your present living standard when you retire.

Flexibility in your periodic and extraordinary contributions

Choose the amount of your contributions and their frequency. You may also make extraordinary contributions and may even suspend your contributions temporarily or indefinitely without losing any right as a participant.

Profitability according to your investment vocation

You may choose the scheme that is most convenient for you according to your investment profile.

Tax profit according to your contributions

The contributions to Pension Schemes are deducted directly from the taxable base, and the loans received for Pension Schemes are integrated in the taxable base and have the status of revenue from personal work.

Plan de Pensiones Sostenible de Unicaja Banco

Invest in your future responsibly

Find out about our Sustainable Pension Plan

Further information

Non operational PF settlements

Contracting process

To contract our  Pension Plans, you can go to  any of our Unicaja Banco branches, where we will be delighted to help you.

 

If you prefer, you can also apply for a Pension Plan filling out an application form and indicating at which branch you'd like it to be processed. We will contact you shortly.

 

Remember, if you have any questions or queries, you can call our customer service team+34 952 07 62 63.

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