• - Potentially less performance
  • Potentially more performance +
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • Low risk
  • High risk

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.

Life-Cycle Pension Plans

Invest in your life plan for the future, your pension plan

We help you ensure your retirement

Invest in your future to make sure you get the retirement you've always wanted with pension plans tailored to your age.

Change your contributions whenever you want

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

Savings opportunities according to your profile

You will be able to earn returns on your contributions according to your investment profile, we adapt to you.

Enjoy tax benefits (1)

Reduce your personal income tax taxable base depending on your pension plan contributions.

Each age requires a differentiated savings strategy


Thus, savings involving greater risks potentially earn higher returns and usually have a lengthier savings target term. A longer time frame is therefore designed for younger people.


Inversely, savings involving lower risks potentially earn lower returns and usually have a shorter savings target term. That is why they are recommended for people who are approaching retirement age.


If what you are seeking is to forget about your worries and not shift your savings around


There are products that do it for you automatically like Life-Cycle Pension Plans, which adjust your pension plan automatically on the basis of your age.


Adjust savings risks involving risky assets in a decreasing way as retirement approaches.

If you are between 30 and 37 years old


  • Risk-tolerant profile (risk 5/7)

  • Retirement time frame around 2054

If you are between 38 and 45 years old


  • Risk-tolerant profile (risk 5/7)

  • Retirement time frame around 2046

If you are between 46 and 53 years old


  • Moderate risk profile (risk 4/7)

  • Retirement time frame around 2038

If you are between 54 and 61 years old


  • Risk-averse profile (risk 3/7)

  • Retirement time frame around 2030

Request Pension Plan Unicaja Banco

Non-operational FFPP liquidation

Contracting process Pension Plans

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 or +34 900 15 19 48.

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