Pension plans

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Pension plans risk indicator

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

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« 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.

You can check the risk of each Pension Plan in its own content


Deposit risk indicator

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

Cajamar Caja Rural is a member of the Spanish Credit Entities Deposit Guarantee Fund. The maximum amount guaranteed actually by this Fund is 100,000 euros per depositor.

Only available now and until 30 June!

With your contribution and/or one-off transfer (minimum €1500)
You have the advantage of choosing...

One item from our catalogue

1-year deposit at 0.25% AER for up to double the amount paid into the plan.

Minimum: €1500 -Maximum: €100,000. NIR: 0.25%. AER: 0.25%
Example AER calculated for an amount of 10,000 euros over 12 months.
Interest paid at maturity. No fees.

Cashback of up to 4 % (maximum €5,000)

The cashback percentage will depend on the amount paid in, the type of plan and the minimum commitment term. For 4% cashback with a maximum of €5,000, the minimum amount will be €50,001 in a mixed or variable income plan with a minimum commitment term of 63 months.


And if you need to you can finance at 0% AER

AER 0% APR up to a maximum of €8,000, up to 12 months and starting at €1500. Finance subject to the Entity's risk criteria.

Why choose our pension plans?

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empezar

The sooner you start, the less effort and the more you save.

hucha

The bigger the amount, the bigger the tax break.(Up to the legal maximum of €8,000)

cobrar

You can collect on your plan after 10 years. (As of 2025)

para todos

We have one for every age and situation.

Our plans

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Key information for fundholders is available by clicking on each of the plans or at any of our branches.

Promotion valid from 10 April to 30 June 2018 for Pension Plans taken out with: Cajamar Vida, S.A. de Seguros y Reaseguros, Reg. Address: Plaza de Barcelona, 5, 04006 Almeria, Spain. Tax Code (CIF): A-04465555. Almeria Trade Register, V. 838, B. O. F.1, S. AL-20409. Custodian: CECABANK, S.A. with registered address in Alcalá, 27- 28014, Madrid, bearing Fiscal Code (NIF) A-86436011. 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 Plz. Barcelona, 5 - 04006 Almeria. Commitment term up to 63 months. Items received through this promotion are classed as investment income in kind, and the entity shall make the corresponding payment to the Spanish Tax Authority (Hacienda). This cost shall not be passed on to the customer but instead shall be borne by the Entity, in accordance with current tax legislation. The informative brochures for the plans and the key fundholder documents are available at www.grupocooperativocajamar.es or any of our branches. See terms and conditions of the promotion (in Spanish) (PDF 176 KB.)
  • 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 Plz. Barcelona, 5 - 04006 Almeria.