Creand Dynamic Retirement Plan
Creand Dynamic Retirement Plan adapts the investment according to the age of the policy holder to obtain the best profitability-risk combination for the capital invested.
Characteristics
It is designed for people who want to save throughout their working life while obtaining the best possible return on their contributions. As the insured comes closer to retirement, investment in equities is progressively reduced.
- It is a plan that invests in portfolios with different proportions of fixed or variable income assets depending on the age of the insured. Your savings grow by means of easy regular payments (monthly, quarterly, half-yearly or yearly) or one-off contributions (with a minimum amount of 30 euros).
- Very flexible options for adjusting, modifying or suspending regular contributions.
- If necessary you can withdraw your accumulated savings.
- You can also contract supplementary life insurance that guarantees the beneficiaries will receive the total capital anticipated when the product matures, in the event of the death or total disability of the insured.
Advantages
- Your savings grow by means of easy regular payments (monthly, quarterly, half-yearly or yearly) or one-off contributions (with a minimum amount of 100 euros).
- Very flexible options for adjusting, modifying or suspending regular contributions.
Redemption
If you withdraw your savings, you will be subject to a penalty up to 5 years before the date of your retirement:
- During the 1st and 2nd years: 3% of the capital redeemed.
- During the 3rd year: 2% of the capital redeemed.
- During the 4th year: 1.5% of the capital redeemed.
- From the 5th year up to 5 years before retirement: 1% of the capital redeemed.
Maturity
On maturity, the total capital will be available in a single payment. According to the client’s wishes, this capital can be transformed into an annuity for a certain number of years or until death, or the two options may be combined.
Maturity
On maturity, the total capital will be available in a single payment. According to the client’s wishes, this capital can be transformed into an annuity for a certain number of years or until death, or the two options may be combined.
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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