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Investment products

What are the main characteristics of a PIAS?

PIAS (Systematic Individual Savings Plan) Dynamic Management is a Savings Insurance designed to save periodically and build up capital over time, allowing access to tax breaks at the time of redemption.

The main features are:

  • Ownership of the Insurance: Can be taken out for a single holder, it is an individual savings insurance, where the policyholder, the insured and the beneficiary of the annuity must be the same person to enjoy the tax benefits.
  • Beneficiaries: As long as the holder is alive, the beneficiary in the event of redemption will be the holder himself. In the event of the death of the policyholder, the accumulated capital in addition to the life insurance that it incorporates, will go to the persons expressly designated by the policyholder.
  • Amount to invest: Initial premium from €2,000. Minimum additional premiums of €50 for each type of investment. Annual maximum amount €8,000.
  • Term of the contract: Indefinite, and can be cancelled after the first 15 days.
  • Investment Types: We have a wide range of investment options to meet the needs depending on the risk profile of each investor, which can be changed over time.