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Who is it for?
For you if you don't want to keep changing plans and would rather have a plan that adapts to your age, to your retirement horizon.
When should I purchase them?
At any time, because you will find a plan that suits you, irrespective of your years to retirement.
What can I expect?
A dynamic investment plan that adapts your risk exposure to your age. When your retirement is a long way off, it's more dynamic; as your retirement approaches, the plan becomes more conservative.
Choose your plan according to your approximate retirement date
BK Retirement 2025 Life Cycle
Designed for savers expecting to retire around 2025, with a progressive reduction in the risk of the portfolio, which will be made up of both fixed income and global equity.
BK Retirement 2030 Life Cycle
Designed for savers expecting to retire around 2030, with a progressive reduction in the risk of the portfolio, which will be made up of both fixed income and global equity.
BK Retirement 2040 Life Cycle
Designed for savers expecting to retire around 2040, with a progressive reduction in the risk of the portfolio, which will be made up of both fixed income and global equity.
When your retirement is still a long way off, your plan is more dynamic.
When you are close to retirement, your plan becomes more conservative.
And all without worrying about changing plans.
Everything you need to know about our plan:
- 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 Life Cycle plans.
See BK Retirement 2025 Life Cycle BK Retirement 2025 Life Cycle
Flexible Balanced Equity Fund Pension Plan.
As a plan specifically designed for members with an investment horizon of 2025, the BK RETIREMENT 2025 LIFE CYCLE Pension Plan is based on an active portfolio management process that allows you to invest in direct fixed income or equity assets and also through CIS, in accordance with the prevailing legislation at all times. The percentages of fixed income and equities will be reviewed periodically to adapt them to the established term (2025), beginning with a maximum initial investment in equities of 30%. As time passes, the risk profile will evolve downwards, reducing the risk of the fund to adapt to your circumstances.
The basic principle of this active management, in the case of a long investment term, is that the best option is to take advantage of the high revaluation potential of equities and gradually evolve to a more conservative portfolio, with a predominance of fixed income assets, as the target retirement date approaches.
See complete investment policy of BK Retirement 2025 Life Cycle
See BK Retirement 2030 Life Cycle BK Retirement 2030 Life Cycle
Flexible Balanced Equity Fund Pension Plan.
As a plan specifically designed for members with an investment horizon of 2030, the BK RETIREMENT 2030 LIFE CYCLE Pension Plan is based on an active portfolio management process that allows you to invest in direct fixed income or equity assets and also through CIS, in accordance with the prevailing legislation at all times. The percentages of fixed income and equities will be reviewed periodically to adapt them to the established term (2030), beginning with a maximum initial investment in equities of 47.8%. As time passes, the risk profile will evolve downwards, reducing the risk of the fund to adapt to your circumstances.
The basic principle of this active management, in the case of a long investment term, is that the best option is to take advantage of the high revaluation potential of equities and gradually evolve to a more conservative portfolio, with a predominance of fixed income assets, as the target retirement date approaches.
See complete investment policy of BK Retirement 2030 Life Cycle
See BK Retirement 2040 Life Cycle BK Retirement 2040 Life Cycle
Flexible Balanced Equity Fund Pension Plan.
As a plan specifically designed for members with an investment horizon of 2040, the BK RETIREMENT 2040 LIFE CYCLE Pension Plan is based on an active portfolio management process that allows you to invest in direct fixed income or equity assets and also through CIS, in accordance with the prevailing legislation at all times. The percentages of fixed income and equities will be reviewed periodically to adapt them to the established term (2040), beginning with a maximum initial investment in equities of 78%. As time passes, the risk profile will evolve downwards, reducing the risk of the fund to adapt to your circumstances.
The basic principle of this active management, in the case of a long investment term, is that the best option is to take advantage of the high revaluation potential of equities and gradually evolve to a more conservative portfolio, with a predominance of fixed income assets, as the target retirement date approaches.
See complete investment policy of BK Retirement 2040 Life Cycle
IMPORTANT INFORMATION
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Show/Hide legal textRetirement Plans: Bankinter EPSV Individual Retirement Plan: Promoter Partner: Bankinter, S.A.: Manager: Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros.