Creand Flexible Performance Plan

The Creand Flexible Performance Plan is a savings solution that offers a guaranteed annual return and the option to choose the term according to your objectives and needs.

 

Achieve a guaranteed net return of 1.75% AER* in 2027.


* From 2028, the guaranteed net return will be fixed annually and will never be less than 0%.

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Characteristics

This policy allows you to plan your savings with a term tailored to your needs. You can make regular and one-off contributions with great flexibility, at your own pace and in line with your goals:

  • Savings grow through convenient periodic contributions1 (monthly, quarterly, semiannually, or annually) and one-off contributions (with a minimum amount of €300).
  • Flexibility to modify or suspend periodic contributions.
  • Death cover of up to €10,000.2
  • The product invests in sustainable companies. According to the data provider Clarity AI, this product shows savings in CO2 emissions when measured against the benchmark.

1 The minimum total amount of periodic contributions must be €600.

2 €10,000 up to age 49, €5,000 from age 50 to 54, €2,000 from age 55 to 59, and €1,000 from age 60 until maturity.

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Advantages

  • Flexible term: the client can choose the term for their savings, from 5 to 20 years, depending on the objective they have set.
  • Capital preservation: 100% guarantee of contributions upon maturity.
  • Profitability with maximum transparency: guaranteed net annual interest rate, free of fees and charges.
  • Loyalty bonus: upon maturity, and provided you have met the requirements, you will be entitled to a bonus on your accumulated savings, in recognition of your loyalty and consistent saving.
  • Creand Solvency. We highlight the group's solvency and national leadership, which provide clients with additional confidence in the product's safety and stability.

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Redemption

  • Redemptions can be requested once two years have elapsed since the product was taken out.
  • From the end of the second year up to two years before maturity, redemption may be partial (with a minimum of €300) or total, subject to a 1% penalty on the redeemed capital.
  • During the 2 years prior to maturity, the redeemed capital will not be subject to any penalties.
  • In the event of redemption, the capital is not guaranteed and, therefore, the policyholder will have to assume the risk of loss associated with the market risk of the monetary and financial assets in which the capital is invested.

The two-year waiting period and the 1% penalty may be waived in the following cases:

  • The policyholder is unemployed for more than six consecutive months.
  • In the event of serious illness of the policyholder, their spouse, or their parents or children who live with them and are financially dependent on them.
  • If the policyholder deregisters their residence in Andorra.

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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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