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.
Created for people aged 55 to 62, who will retire in around the year 2030.
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| 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€ | 9.000€ | 9.983,26€ | 983,26€ | 2.793,28€ | 31,04% |
| 1.000€ | 6.468€ | 7.157,01€ | 688,60€ | 2.017,57€ | 31,19% |
| 500€ | 3.234€ | 3.578,51€ | 344,31€ | 1.013,93€ | 31,35% |
(1) Simulation taking into account an annual increase of 3% in the contributions made (up to the maximum annual contribution allowed, currently €1,500 per year).
(2) The examples shown are simulations based on an age of 61, taking into account the average return on the product at the time of your enquiry (January 2026), and retirement at the age of 67; therefore, under no circumstances are they indicative of guaranteed returns
Work out how much you’ll receive based on your contribution, 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.
