Risk indicator required by OM ECC/2316/2015
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Pay-out of the allowance or exercising the right to redeem the investment made is only possible in the event of one of the exceptional liquidity contingencies or circumstances regulated by legislation governing pension plans and funds.
The value of the rights or mobilisation, allowances, and exceptional liquidity circumstances depends on the market value of the assets in the pension fund, and can lead to substantial losses.
Switch your pension plan over to us and get an instant cash reward.
We know that every saver is unique. That’s why we’ve put together a range of plans, so you can invest in line with your profile.
Depending on the amount you transfer, you’ll receive a cash reward of up to 5% of the total transferred over to the following pension plans: Cajamar dinero, Cajamar renta fija, Cajamar mixto I, Cajamar mixto II, Cajamar renta variable, Cajamar e renta fija, Cajamar e mixto I, Cajamar e renta variable, GCC dinero, GCC renta fija, GCC mixto I, GCC mixto II, GCC renta variable, Cajamar universitas, Agroplan asja cyl, Agroplan upa cyl, Cajamar renta fija II, Plan del campo, Cajamar gestión futuro 2030, 2040, 2050. This offer is valid until 31 March 2027, subject to a 96-month contract term.
From €5,000 to €20,000
From €20,000.01 to €40,000
From €40,000.01 to €60,000
More than €60,000
Our Gestión Futuro plans are savings plans designed to adapt to your needs and are dynamically adjusted according to the time remaining until your retirement.
Our Gestión Futuro plans are savings plans designed to adapt to your needs and are dynamically adjusted according to the time remaining until your retirement.
A plan designed for people between 45 and 54 years of age whose retirement is expected to be around the year 2040.
A savings plan for people between 55 and 62 years of age whose retirement is expected to be around the year 2030.
No. Transfers between pension plans are completely tax-free. You will not have to pay taxes for moving your savings from one institution to another (technically known as a pension plan transfer). You will only be taxed when you decide to withdraw the funds upon retirement.
To benefit from our pension plan transfer offer with a bonus of up to 5%, you must request external transfers for a total amount equal to or greater than €5,000 into one of the plans included in the promotion, in addition to complying with the commitment period established in the legal terms and conditions.
Yes. You can transfer to our pension plans any vested rights you hold as a participant in a pension plan with any other financial institution.
Although users commonly search for “retirement plan transfer” offers, the products eligible for this promotion are legally Pension Plans and PPAs (Insured Pension Plans). If you have a conventional savings insurance product, we recommend contacting us so that we can assess your individual situation.
Yes, of course. Once your money is with us, we offer you complete flexibility to make internal pension plan switches. This allows you to adapt your investment to your age or risk profile at any time, without any penalty or tax impact.
(1) Promotion available from 1 April until for customers under the age of 75 and for transfers in excess of 5.000€ for the following pension plans: Cajamar dinero, Cajamar renta fija, Cajamar mixto I, Cajamar mixto II, Cajamar renta variable, Cajamar e renta fija, Cajamar e mixto I, Cajamar e renta variable, GCC dinero, GCC renta fija, GCC mixto I, GCC mixto II, GCC renta variable, Cajamar universitas, Agroplan asja cyl, Agroplan upa cyl, Cajamar renta fija II, Plan del campo, Cajamar gestión futuro 2030, 2040, 2050. The cash reward brackets will be as follows: Between 5,000 euros and 20,000 euros, 2.50%. Between 20,000.01 euros and 40,000 euros, 3.00%. Between 40,000.01 euros and 60,000 euros, 4.00%. For amounts over 60,000 euros, the rate will be 5.00%. THE REWARD WILL ALWAYS BE MONETARY and you will always be required to keep this arrangement in place for at least 96 months in order to take advantage of the promotional campaign and benefit from said reward. The customer must be the holder or authorised party for an instant access account linked to the Pension Plan. The account linked to the Plan must be held with a Grupo Cooperativo Cajamar financial institution, and it cannot be a credit account or an interest-earning account (except a 360º account). You can read the information documents about the plans and key investor information at www.grupocooperativocajamar.es or at any of our branches. For further information, please see Bases de la campaña de traspasos externos a planes de pensiones de Cajamar Vida. Management firm: Cajamar Vida, S.A. de Seguros y Reaseguros, Dom. Soc. Calle Ciudad Financiera, 1, 04131 - Almería, España. NIF: A-04465555. Almeria Trade Register, T. 838, L. O. F.1, H. AL-20409. Custodian: CECABANK, S.A. - Reg. Address: Calle Alcalá, nº 27, 28014 Madrid, Spain - NIF A-86436011 - D0193. Entered in the Madrid Trade Register, volume 30,405, Book 0, Folio 57, Section 8, Sheet M-547250. Promoter: CAJAMAR Caja Rural, Sociedad Cooperativa de Crédito. Entered in the Almeria Trade Register, V.1.526, B. 0, F.1, Sheet AL-40338, 1st entry dated 31 October 2012. Fiscal Code NIF F-04743175. Reg. Address Calle Ciudad Financiera n. 1, 04131 Almería, España.
