Risk indicator required by OM ECC/2316/2015
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For people under the age of 46, who will retire in around the year 2050.
This is the key question when it comes to planning your future.
Our experts tailor your pension plan’s investment strategy to seek greater growth when opportunities arise, and greater protection as you approach retirement.
| First year contribution | Contribution up to my retirement (1) | Estimated accumulated capital at retirement (2) | Estimated return achieved | Total cumulative tax savings by the time of retirement | % Cumulative tax savings on total contributions |
|---|---|---|---|---|---|
| 1.500€ | 39.000€ | 127.025,05€ | 88.025,05€ | 13.852,71€ | 35,52% |
| 1.000€ | 35.086€ | 106.253,42€ | 71.167,10€ | 12.607,78€ | 35,93% |
| 500€ | 19.277€ | 55.587,28€ | 36.310,76€ | 6.992,24€ | 36,27% |
(1) Simulation based on an annual increase in contributions of 3% (up to the maximum permitted annual contribution, currently 1,500 euros per year).
(2) The examples shown are simulations based on a person aged 41, taking into account the average return on the product at the time of enquiry (January 2026) and retirement at the age of 67; therefore, under no circumstances are they indicative of guaranteed results.
Work out how much you’ll receive based on your contributions, or how much you need to contribute to receive the amount you want.
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.
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