Creand One-off Savings

Make the most of your savings

This is the ideal solution for clients looking for a guaranteed net return on their savings.

Now you can maximize your savings with a guaranteed cumulative return totalling 6.90% on maturity.*

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Characteristics

Designed for people looking to optimise their savings, with this product you can obtain an attractive guaranteed return on your savings over 3 years.
  • One-off contribution at the beginning of the contract.
  • From €10,000 and up to €50,000.
  • Guaranteed net profitability on maturity and allocated for all years of the policy
  • €1,000 death insurance.
  • The group's creditworthiness and leadership on a national scale provide maximum confidence regarding the safety and stability of the product.
  • The product invests in sustainable companies. According to the Clarity AI data provider, this product delivers savings in terms of CO₂ emissions and energy and water consumption against the benchmark.

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Advantages

  • Preservation of capital. Guarantee of 100% of the contribution on maturity of the product (guaranteed capital on maturity date).
  • Profitability with maximum transparency. We offer you a guaranteed net annual interest rate (no commissions and expenses).

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Redemption

  • Partial redemptions cannot be made.
  • After the first year, a full redemption can be made with a penalty of 1% on the redeemed capital. In this case, however, the capital will not be guaranteed.
  • The redemption value is the minimum amount between the mathematical provision and the market value of the monetary and financial assets the contribution is invested in.

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Maturity

A one-off payment integrated by the contribution made plus the accumulation of the profitability obtained each year

is guaranteed.

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Maturity

A one-off payment integrated by the contribution made plus the accumulation of the profitability obtained each year is guaranteed.

This product is sold by remittance. The conditions of the product may vary according to the remittance in effect at the time of contracting.

* The guaranteed net returns for each year of this remittance would be 2% in the first year, 2.25% in the second year and 2.50% in the third year.

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FAQ

If you have questions about our products, take a look at the answers to frequently asked questions in this section.

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Calculate your pension

Do you want to know what income you will receive when you retire?

In three simple steps you can see what you need to do to reach the level of retirement income you want and obtain a personalised report with a simulation and details of our savings products.

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