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.
Invest in your future responsibly
Responsible investment
Consider environmental, social or governance factors and supplement your investment with a social goal.
Sustainability
Contribute to sustainable development and the conservation of natural resources by reducing your finances' environmental impact.
Flexibility
Make periodic or extraordinary contributions with the option of suspending them without any penalty.
Tax benefits¹
Write off your contributions from your personal income tax base.
Uniplan Sustainable Future (Uniplan Futuro Sostenible) is an innovative product based on responsible investments. It is underpinned by the environmental, social and governance controls that companies which receive the investment implement in their processes.
Plan for your retirement without forgetting about your money's impact. You can plan your finances while thinking about a better future for nature and society.
The Sustainable Pension Plan promotes ESG (Environmental, Social and of Governance) criteria, which means that investments are made in companies that adhere to ethical, environmental and social responsibility standards. This contributes to more responsible capital management and to a reduction in portfolio risk.
This plan has a moderate risk profile, making it in balanced option for those seeking returns without assuming excessive risks. It is classified as “Mixed Aggressive Global” by VDOS and has an equity exposure of between 50% and 75%.
The initial minimum contribution is of €50 and periodic contributions can be made from €50 per month, €150 per quarter, €300 per half-year or €600 per year. Extraordinary contributions from €50 are also allowed up to at most €1,500 a year.
Aside from its ethical and sustainable approach, this plan offers advantages such as outstanding tax advantages, the possibility of making transfers and a long-term investment that is in line with sustainable development commitments.
Yes, you can. The Sustainable Pension Plan allows transactions to be made conveniently on the Digital Banking service, like queries, extraordinary contributions and changes to periodic contributions. This functionality makes tracking and managing retirement savings easier from any place.
You can subscribe the Sustainable Pension Plan at any Unicaja Banco branch, where we will offer you personalised service..
If you so prefer, you can apply for it using the application form,indicating the branch where you would like it to be processed. We will then get in touch with you shortly.
To sort out any doubts you may have, you can call us at +34 952 60 67 67.
(1) The tax benefit indicated is general and may be subject to future changes in tax legislation.
Documents containing essential data for the holder of all pension plan are available for download and consultation in the Pension Plan Catalogue. The sponsors of said pension plans are: Unicorp Vida, Cía de Seguros y Reaseguros S.A./Unicaja Banco S.A. Broker: Unicaja Mediación S.L.U. through the network of Unicaja Banco S.A. Management company: Unicorp Vida, Cía. de Seguros y Reaseguros S.A. Depositary institution: CECABANK, S.A.
Can we help you?
You can also contact the Bank by calling at 952 60 67 67 or through the contact form.
The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).
