Creand Dynamic Pensions Plan

Creand Dynamic Pensions Plan adapts the investment according to the age of the policy holder to obtain the best profitability-risk combination for the capital invested.

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Characteristics

Creand Dynamic Pensions Plan is intended for retirement and complies with the requirements of personal income tax legislation. Not only does it help you to save for retirement but the contributions you make during the year are tax-deductible.

  • It adapts to the age of the policy holder to obtain the best return at all times, reducing investment in equities as retirement approaches.
  • After retirement, there are various options for recovering the capital invested.

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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.
  • Contributions are tax-deductible up to the maximum allowed by law.

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Redemption

This is a non-liquid product; i.e. it cannot be redeemed until it matures, except in the following cases:

  • If the policyholder is unemployed for more than 24 consecutive months.
  • If the policyholder is affected by a serious illness (sick leave for more than 12 months).
  • If the policyholder transfers his/her tax residence outside the country.

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Maturity

The plan guarantees a single capital amount comprising the contributions made plus the sum of the interest obtained each year. When the plan matures, the insured may decide how to receive the amount due:

 

Single payment: a single payment at the time of retirement.

Income: to be determined by the policyholder on the maturity date..

Combination of capital plus income.

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Maturity

The plan guarantees a single capital amount comprising the contributions made plus the sum of the interest obtained each year. When the plan matures, the insured may decide how to receive the amount due:

 

Single payment: a single payment at the time of retirement.

 

Income: to be determined by the policyholder on the maturity date.

 

Combination of capital plus income.

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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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