Risk indicator required by OM ECC/2316/2015

<< Lower risk / Lower potential compensation

1
2
3
4
5
6
7

/ Higher risk >>Higher potential compensation

Regular contribution promotion

We’ll reward you for your regular contributions

Imagen promocional de planes de pensiones con el texto 4%

Get a 4% cash reward (1)

  • Applied to the amount contributed/increased.
  • Minimum contribution amount/increase: 30 euros per month or 360 euros per year.
  • Promotion valid until 31 March 2027.
Make a contribution Request more information

How does the cash reward work?

You’ll get a cash reward equal to 4% of the amount (new contribution or increase) during the first year for any of 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.

Imagen promocional de la aportación periódica con el texto 4%

Planes Gestión Futuro

Our Gestión Futuro plans are savings plans designed to adapt to your needs and are dynamically adjusted according to the time remaining until your retirement.

Plan Gestión Futuro 2050

Our Gestión Futuro plans are savings plans designed to adapt to your needs and are dynamically adjusted according to the time remaining until your retirement.

More information

Plan Gestión Futuro 2040

A plan designed for people between 45 and 54 years of age whose retirement is expected to be around the year 2040.

More information

Plan Gestión Futuro 2030

A savings plan for people between 55 and 62 years of age whose retirement is expected to be around the year 2030.

More information

How to make a contribution or increase the balance in your pension plan in 3 simple steps.

  1. Online Banking

    Log in to your online banking and, under the ‘Savings and Pension Plans’ section (bloque Pension plans) select the la opción ‘Contributions’ option.

  2. Select the pension plan

    Select the pension plan you wish to make a contribution to from the drop-down menu and enter the amount.

  3. Check and accept

    Please check that the details you entered on the previous screen are correct. If they are, click OK.

Frequently asked questions about pension plans

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:

  • Retirement
  • Permanent disability
  • Death (in this case, by the beneficiaries)
  • Exceptional liquidity situations, such as long-term unemployment or serious illness

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:

  • If retirement is still a long way off, you may choose plans with greater return potential, which usually involve a higher level of risk.
  • If you are closer to retirement, you may prefer more conservative plans.
  • If you are looking for a balance, there are plans that combine both characteristics.

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:

  • If you make regular contributions:
    • Activate or increase contributions to your pension plan.
    • Make a minimum contribution of €30 per month (or the annual equivalent of €360).
    • Maintain these contributions during the period specified in the promotion.

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:

  • Regular contributions: minimum holding period of 48 months.

During this period, you must maintain the committed balance in Grupo Cajamar pension plans.

In the event of non-compliance with these conditions:

  • You will be considered not to meet the requirements of the promotion.
  • You may be required to repay all or part of the bonus received, depending on when the non-compliance occurs.

Contributions to pension plans:

  • Reduce the Personal Income Tax (IRPF) taxable base, within the applicable legal limits, which may result in lower taxes in the year the contribution is made.
  • The tax savings will depend on your personal circumstances and tax rate.

Please note that, when the pension plan is withdrawn, the benefits are taxed as employment income for Personal Income Tax purposes.

Find out more about regular contributions

Legal information about periodic contributions to pension plans

(1) Promotion valid until 31 March 2027. Minimum amount of 30 euros per 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 renta fija, Cajamar mixto I, Cajamar 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, please 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.