Cajamar Insured Retirement Plan

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Retirement plan

1 / 6

This number is indicative of the product risk, where 1/6 indicates lower risk, and 6/6 indicates greater risk.

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 right of redemption or mobilisation depends on the market value of the assets assigned, and can lead to substantial losses.

Provided by CAJAMAR Vida S.A., Insurance and Reinsurance Company. This is a savings plan that aims to generate a capital sum in the medium or long term for retirement, and guarantees not only the capital accumulated but also a certain level of interest pre-established periodically.

It is arranged through an insurance contract, offering the same conditions as a pension plan (annual limits on contributions, availability, fiscal treatment, capital collection formulas, etc), but unlike a pension plan, the returns are guaranteed.

And with a very attractive rate of interest guaranteed in advance for each semester.

  • The guaranteed APR for the second half of 2009 was 2.90%.
  • The guaranteed APR for the first half of 2010 was 2.50%.
  • The guaranteed APR for the second half of 2010 was 2.50%.
  • The guaranteed APR for the first half of 2011 was 2.75%.
  • The guaranteed APR for the second half of 2011 was 3.10%.
  • The guaranteed APR for the first half of 2012 was 3.60%.
  • The guaranteed APR for the second half of 2012 was 3.60%.
  • The guaranteed APR for the first half of 2013 was 3.30%.
  • The guaranteed APR for the second half of 2013 was 3.10%.
  • The guaranteed APR for the first half of 2014 was 3.00%.
  • The guaranteed APR for the second half of 2014 was 2.80%.
  • The guaranteed APR for the first half of 2015 was 2.50%.
  • The guaranteed APR for the second half of 2015 was 2.50%.
  • The guaranteed APR for the first half of 2016 was 2.50%.
  • The guaranteed APR for the second half of 2016 is 2.50%.

Other forms of Insured Retirement Plans (PPA) are also available, such as the AGROPLAN PPA (available exclusively to farming customers) and PPA PREMIUM (available exclusively to Private Banking customers), with guaranteed AER of 2.60% for the second half of 2016 in both cases.

It is particularly suited to people looking for risk-free investment and whose retirement is still a long way off.

Contributions can be periodic (monthly, quarterly, six-monthly or yearly) or one-off (the investor can make one or several extraordinary payments throughout the year). Minimum contribution amount: €30.

Pension Plan provided by: CAJAMAR VIDA S.A. de Seguros y Reaseguros (CIF: A04465555), brokered by CAJAMAR INTERMEDIADORA Operador de Banca-Seguros Vinculado, S.L.U. (CIF: B04428223), registered with the D.G.S. y F.P. insurance and pension funds directorate with administrative code OV0014, with Public Liability Insurance, pursuant to section 21, point 3, heading h) of Act 26/2006, of 17 July. Depositary: CAJAMAR, Caja Rural, S.C.C., (CIF: F-04743175)

Go to www.grupocooperativocajamar.es/aseguradoras to see which insurance providers the Linked Bancassurance Operator has agency contracts in place with.

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