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Pension plans. The best alternative to public retirement provision

Pension Plan Risk Indicator

Risk Indicator required by the O.M. ECC/2316/2015

« Lower risk
Lower potential compensation
Higher risk »
Higher potential compensation

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.

Please refer to the content of each pension plan to find out its risk indicator.

Why choose our pension plans?

Because we know that at each stage of your life, your needs are different. That is why we have designed different plans so that you can obtain maximum benefits and you can enjoy, when the time comes, the things you've always dreamed of.

plan futuro 2050

For people under 40, who will retire in around the year 2050

More information
plan futuro 2040

For people aged 41 to 48, who will retire in around the year 2040

More information
plan futuro 2030

For people aged 49 to 56, who will retire in around the year 2030

More information

And also...

Cajamar Money

Very low risk, retirement in the short term. Fixed Income.

More information

Cajamar Fixed Returns

Moderate risk, higher returns

More information

Cajamar Mixed I

Increased risk, maximum returns.

More information

Cajamar Mixed II

Total flexibility to invest according to market conditions.

More information

Cajamar Variable Returns

Increased risk, greater returns over the long term.

More information


If you don't have a plan

Hire (in Spanish)

View the Key Information Document for fundholders by clicking on each of the plans or at any of our branches.

Find the Pension Plan that best suits you


Find out about the characteristics of each pension plan easily. With our Pension Plan Simulators, we will help you to situate the various plans at a glance.

  • Management firm: Cajamar Vida, S.A., EGFP, CIF: 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 - C.I.F. 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 (C.I.F.) F-04743175. Reg. Address Plaza de Juan del Águila Molina, 5 04006 – Almería.