Who is it for?
For you if you want less risk or retirement is on the horizon. Because if you are retiring soon, prudence is the best option.When should I purchase them?
We recommend their purchase for short- or medium-term investments.What can I expect?
Investments in fixed income have a lower expected return. On the plus side, that means less possibility of negative returns.Pension Plan Specialist Service: a telephone service with experts on hand to answer all your questions.

BK Inversión Monetario
For more conservative profiles who want to invest 100% of their portfolio in fixed income securities and monetary assets.
BK Renta Fija Corto Plazo
For conservative profiles who want to invest in monetary and fixed-income assets with an average duration of less than 2 years.
BK Renta Fija Largo Plazo
Invests in fixed income with an average duration of at least two years.
Everything you get with our plans:
- A multidisciplinary team with expert knowledge of the markets.
- Active, flexible and dynamic management capable of detecting all opportunities, whatever the level of risk exposure.
- And, of course, the tax advantages offered by these plans.

Investment policy of Bankinter's fixed income plans.
See BK Inversión Monetario BK Inversión Monetario
Short-Term Fixed Income Pension Plan. The plan invests 100% of its portfolio in fixed income securities and monetary assets (promissory notes, repos on public debt, treasury bonds, etc.), including demand or liquid deposits at credit institutions, with an average portfolio duration of less than one year.
The investment in these assets may be carried out directly (indirectly through CIS) through the investment of the portfolio in these assets, or through the investment in derivative financial instruments whose underlying instrument is any of the assets mentioned in the previous paragraph.
See BK Renta Fija Corto Plazo BK Renta Fija Corto Plazo
Short-Term Fixed Income Pension Plan.
The plan invests 100% of its portfolio in fixed income securities and monetary assets (promissory notes, repos on public debt, treasury bonds, etc.), including demand or liquid deposits at credit institutions, with an average portfolio duration of less than two years.
The investment in these assets may be carried out directly through the investment of the portfolio in the assets (indirectly through CIS) or through the investment in derivative financial instruments whose underlying asset is fixed income or interest rates.
See BK Renta Fija Largo Plazo BK Renta Fija Largo Plazo
Long-Term Fixed Income Pension Plan
Its philosophy is to invest in assets that appreciate if interest rates drop but can lose value if interest rates rise.
The plan invests 100% of its portfolio in long-term fixed income securities and monetary assets (promissory notes, repos on public debt, treasury bills, etc.), including demand or liquid deposits at credit institutions. In general, these portfolios have an average duration of more than 2 years.
The investment in these assets may be carried out directly through the investment of the portfolio in the assets, mainly long-term fixed income (indirectly through CIS) or through the investment in derivative financial instruments whose underlying asset is fixed income or interest rates.
Important information
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Show/Hide legal textBankinter pension plans: The unit holder key information document is available at bankinter.com. The Pension Plan Promoter is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The Pension Fund Manager is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The depositary of the Pension Funds is Bankinter, S.A. The promoter of the BK Simplified Pension Plan for Self-Employed Workers is the Colegio de Economistas de Albacete, with tax number Q0261001B.