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 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.
Make sure you get the retirement you've always wanted
Invest in your future through pension plans that suit your needs depending on your age or, if you prefer, in keeping with your commitment to sustainability.
If you transfer your pension plan from another institution (not linked to Grupo Unicaja) before 31 December 2024, you can get a bonus of up to 4%, depending on the amount transferred and the permanence term.
You can choose depending on your age or, if you prefer, in keeping with your commitment to sustainability.
LIFE-CYCLE PLANS
IF YOU ARE BETWEEN 30 AND 37 YEARS OF AGE
UNIPLAN WITH YOU 2054
• It's just right for you if your retirement age is around 2054.
• Risk-tolerant profile (5/7 risk level).
LIFE-CYCLE PLANS
IF YOU ARE BETWEEN 38 AND 45 YEARS OF AGE
UNIPLAN WITH YOU 2046
• It's just right for you if your retirement age is around 2046.
• Risk-tolerant profile (5/7 risk level).
LIFE-CYCLE PLANS
IF YOU ARE BETWEEN 46 AND 53 YEARS OF AGE
UNIPLAN WITH YOU 2038
• It's just right for you if your retirement age is around 2038.
• Moderate risk profile (4/7 risk level).
LIFE-CYCLE PLANS
IF YOU ARE BETWEEN 54 AND 61 YEARS OF AGE
UNIPLAN WITH YOU 2030
• It's just right for you if your retirement age is around 2030.
• Moderate risk profile (3/7 risk level).
SUSTAINABLE PLAN
IF ARE 30 YEARS OLD OR MORE AND WANT TO CARE FOR THE PLANET
SUSTAINABLE PENSION PLAN
• A socially responsible investment that contributes to sustainable development.
• Risk-tolerant profile (6/7 risk level).
Find the pension plan you need depending on your aims, age and interests. Plan for your retirement.
Of interest for you
UNIBLOG
How much can i contribute to my Pension Plan this year?
Pension plans are a single-purpose financial product which, aside from allowing one to save for one's retirement, provides tax benefits in its accumulation period by reducing the taxable base each year as contributions are being made.
UNIBLOG
Pension Plan Guide
The Law makes it very easy to identify whether or not a financial product is a pension plan. It is mandatory for two key words to appear in the product's name: namely, "pension plan". If they do not appear, it is not a pension plan.
Easy-to-read small print
(1) Promotion valid from 01/02/2024 to 12/31/2024 and limited to a total amount of €250,000 for pension plan transfers received from another marketing institution that have not received a bonus in previous campaigns. Minimum transfer amount of €5,000 to obtain a gross bonus consisting of 2% of the transfer with a six-year permanence commitment or of €15,000 to obtain a gross bonus of 3% of the transfer with a seven-year permanence commitment or a bonus of 4% with an eight-year permanence commitment. Maximum total bonus per customer for all cases is a gross amount of €3,000. Offer cannot be accumulated with other transfer bonuses. The promotion is subject to the terms and conditions set forth in the permanence document and to personal income tax according to prevailing tax legislation. The bonus is deemed an investment return and is subject to a tax withholding in accordance with prevailing tax legislation, which is payable by the customer at the rate in force at the time of payment. In the event of a failure to fulfil the permanence commitment due to any of the circumstances described below, the customer must reimburse Unicaja the proportional part of the bonus amount received corresponding to the period of time running from the date of the failure to fulfil said condition and the date the permanence commitment undertaken comes to an end as a penalty. The circumstances referred to in this paragraph are as follows: a) If the participant makes a transfer, either totally or partially, of the consolidated rights of any of said plans to another pension plan not marketed by Unicaja; b) If the participant/beneficiary redeems by way of capital, either totally or partially, the consolidated rights of any of said plans due to any of the exceptional contingencies or circumstances to obtain liquidity envisaged in legislation and in the plan's Regulation.
Documents containing essential data for the holder of all pension plans are available for download and consultation in the Pension Plan Catalogue, The sponsors of said pension plans are: Unicorp Vida, Cía. de Seguros and Reaseguros, S.A./Unicaja Banco, S.A. and Unión del Duero Compañía de Seguros de Vida, S.A. Management companies: Unicorp Vida, Cía. de Seguros and Reaseguros, S.A. and Unión del Duero Compañía de Seguros de Vida, S.A. Depository agent: CECABANK, S.A. Broker: Unimediación, S.L.U. through the Unicaja Banco, S.A. network.
Can we help you?
Also at 952 076 263 or through the contact form.
Our telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).
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