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Plan for a stress-free future
Use our advanced pension plan simulator to find out which pension plan suits you best and how much you could save.
Switch your pension plan over to us and receive a cash reward of up to 5% on the amount transferred(1).
Minimum transfer amount 5,000 euros.
Promotion valid until 31 March 2027.
Get a cash reward equal to 4% of your contribution amount or the increase in your contribution(2). Minimum contribution or increase 30 euros per month or 360 euros per year.
Promotion valid until 31 March 2027
Cajamar Dinero, Cajamar Renta Fija, Cajamar Mixto I, Cajamar Mixto II, Cajamar Renta Variable, GCC Renta Fija, GCC Dinero, GCC Mixto I, GCC Mixto II, GCC Renta Variable, Cajamar Universitas, Agroplan ASJA CYL, Agroplan UPA CYL, Cajamar Renta Fija 2, Plan del Campo, Cajamar Gestion Futuro 2030, 2040, 2050
Nuestros planes Gestión Futuro son planes de ahorro que se adaptan a tus necesidades y que se van modulando de forma dinámica en función del tiempo que queda para tu jubilación.
Un plan ideal para menores de 46 años, cuya jubilación se encuentre alrededor del año 2050.
El plan pensado para personas de entre 45 y 54 años, cuya jubilación se encuentre alrededor del año 2040.
Un plan de ahorro para personas de entre 55 y 62 años, cuya jubilación se encuentre alrededor del año 2030.
An individual pension plan is a long-term savings product designed to help you prepare financially for retirement. Its main objective is to generate savings that complement the public Social Security pension, helping you maintain your standard of living after retirement. By investing in a pension fund, your money is managed by a management company and held by a custodian institution, with the aim of obtaining returns adjusted to the level of risk according to the chosen asset allocation strategy.
One of its main attractions is the tax benefits available under Personal Income Tax (IRPF). Annual contributions made to a pension plan directly reduce the taxable base of the tax, resulting in an immediate tax relief. It is important to keep in mind the legal contribution limits (currently set at €1,500 per year for individual pension plans), as they allow you to optimise your tax bill while building your retirement savings plan. See more in the article What is the tax deduction for a pension plan?
The choice depends on your risk profile and, above all, on your investment time horizon.
Good portfolio diversification helps manage market volatility over the years.
When planning your retirement, you can choose from several withdrawal options:
Regarding the taxation of withdrawals, the funds are taxed as employment income. It is possible to apply a 40% reduction to the benefits corresponding to contributions made before 2007 (subject to certain time-related conditions).
The withdrawal of a pension plan is linked to specific contingencies: retirement, disability, death (in which case the beneficiaries receive the funds), or dependency. In addition, there are exceptional liquidity situations, such as long-term unemployment or serious illness. Currently, it is also possible to withdraw contributions that were made more than 10 years ago.
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.
It is the money you decide to allocate to your pension plan with the aim of saving for your retirement.
You can make one-off or regular contributions (for example, monthly, quarterly, etc.), allowing you to build long-term savings in a highly flexible way.
In addition, contributions to pension plans may offer tax advantages, as they reduce your Personal Income Tax (IRPF) taxable base, within the limits established by current regulations.
The bonus will be paid in the manner and within the timeframes indicated in the promotion terms and conditions.
Pension plans are long-term savings products primarily designed for retirement, and therefore their liquidity is limited.
As a general rule, you may withdraw your pension plan in the following situations:
In addition, you may also access the vested rights corresponding to contributions made at least 10 years earlier, under the terms established by current regulations.
Please note that, when the pension plan is withdrawn, the benefits are taxed as employment income for Personal Income Tax purposes.
The choice of pension plan depends on your risk profile, savings goals and the time remaining until retirement. In general:
In any case, you can adapt your contributions to the plan that best suits your circumstances at any given time and even switch plans without any tax cost.
The bonus is subject to compliance with the conditions established in the promotion terms and conditions.
As a general rule, you may qualify for the bonus depending on the type of transaction:
The bonus will be calculated as a percentage of the contributed or transferred amount, according to the specific conditions of the promotion.
You can find full details in the legal terms and conditions.
To benefit from the bonus, it is necessary to comply with a holding commitment, in accordance with the promotion terms and conditions.
In general:
During this period, you must maintain the committed balance in Grupo Cajamar pension plans.
In the event of non-compliance with these conditions:
Contributions to pension plans:
Please note that, when the pension plan is withdrawn, the benefits are taxed as employment income for Personal Income Tax purposes.
Via the My Insurance portal, you can now check the financial status of your pension products
(1) Offer valid from 1 April until for customers under the age of 75 and for transfers of €5,000 or more into 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 and €60,000 = 4.00% Over 60,000 euros = 5.00% THE REWARD WILL ALWAYS BE MONETARY, and you will 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.
(2) Offer valid until 31 March 2027. Minimum amount of 30 euros/month or equivalent amount in the case of a different payment frequency (quarterly, six-monthly…). To be eligible for the cash reward, you must make regular contributions of at least 360 euros per year and be under 70 years of age 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 REWARD WILL ALWAYS BE MONETARY, and you will be required to keep this arrangement in place for at least 48 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, see Bases de la campaña de planes de pensiones de Cajamar Vida - Aportaciones periódicas. 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.
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.
