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Potentially lower
return. Lower risk
Potentially higher
return. Greater risk
The risk level of Bankinter Pension Plans varies from 1 to 5 on a scale of 1 to 7. Category 1 does not mean that the investment is risk-free.

The risk level corresponding to the International Variable Plan is 6.
The risk level corresponding to the variable BK Plan America is 6.​
The risk level corresponding to the variable BK Plan Asia is 5.
The risk level corresponding to the Variable BK Plan Europe is 5.
The risk level corresponding to the Variable BK Plan Spain is 6.​
The risk level of every Bankinter pension plan is described in detail on our website www.bankinter.com, which contains a specific section for each plan. You can check the risk level of your pension plan in the related prospectus, in compliance with order ECC/2316/2015.
 You may only cash in or surrender your plan if you are faced with any of the liquidity contingencies or exceptional circumstances stipulated in the regulations on pension plans and funds.
The value of the rights of transfer, pension benefits and exceptional liquidity circumstances depends on the market value of the pension fund assets and may result in significant losses.
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
Potentially lower
return. Lower risk
Potentially higher
return. Greater risk
The risk level of Bankinter Pension Plans varies from 1 to 5 on a scale of 1 to 7. Category 1 does not mean that the investment is risk-free.

The risk level corresponding to the International Variable Plan is 6.
The risk level corresponding to the variable BK Plan America is 6.​
The risk level corresponding to the variable BK Plan Asia is 5.
The risk level corresponding to the Variable BK Plan Europe is 5.
The risk level corresponding to the Variable BK Plan Spain is 6.​
The risk level of every Bankinter pension plan is described in detail on our website www.bankinter.com, which contains a specific section for each plan. You can check the risk level of your pension plan in the related prospectus, in compliance with order ECC/2316/2015.
 You may only cash in or surrender your plan if you are faced with any of the liquidity contingencies or exceptional circumstances stipulated in the regulations on pension plans and funds.
The value of the rights of transfer, pension benefits and exceptional liquidity circumstances depends on the market value of the pension fund assets and may result in significant losses.

Unit-linked pension plans

Still a lot of living to do?
Make the most of it!

  • If you want to aim for a higher return, despite the risk, because your retirement is still a long way off.

Planes de pensiones renta variable
Digital graphic arrows on grey background

Who is it for?

For you if you have a high risk tolerance and your retirement is still a long way off.

When should I purchase it?

As these are high-risk plans, they are only recommended for long-term investments: the longer the duration of the investment, the greater the probability of compensating for possible negative returns.

What can I expect?

Equity plans seek high returns, but at the cost of assuming greater risk.
planes-renta-variable

BK International FP equity

Select global equity assets that add more value
depending on the market situation and economic scenario at any given time.

BK Variable America FP

It primarily invests in financial instrument derivatives on the main equity indices of American markets.

BK Variable Asia FP

It invests more than 75% in equities in Asian countries and Oceania, and the remainder of the portfolio in fixed income securities and monetary assets.

BK Variable Europa FP

It invests more than 75% in European equities and the remainder of the portfolio in fixed income securities or monetary assets.

BK Variable España FP

It invests more than 75% in equity securities listed on the Spanish stock market and the remainder of the portfolio in fixed income securities and monetary assets.

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.
planes-bankinter

Investment policy of Bankinter's equity plans.

See BK Renta Variable Internacional FP BK Renta Variable Internacional FP

The BK VARIABLE INTERNACIONAL, F.P. Pension Fund is defined as an EQUITY Fund, investing at least 75% of its assets in global equities. The remainder of the exposure of this pension fund may be in global fixed income, treasury bonds, deposits or derivatives. 

The investment in these assets may be direct, by investing the portfolio in these assets, or by investing in derivative financial instruments whose underlying instrument is any of the assets mentioned in the previous paragraph.

See complete investment policy of BK Variable Internacional FP

See BK Renta Variable América FP BK Renta Variable América FP

Equity pension plan that invests more than 75% of its assets in American equities, primarily by investing in financial instrument derivatives on the main equity indices of the American stock market. The remainder of the portfolio invests in fixed income securities or monetary assets. 

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 complete investment policy of BK América FP

See BK Renta Variable Asia FP BK Renta Variable Asia FP

Equity Pension Plan that invests more than 75% of its assets in equities in Asian countries and Oceania (mainly Japan, Australia, India, China, South Korea, etc.), primarily making this investment in financial instrument derivatives on the main equity indices of the stock markets of these countries, or investing through CIS. The remainder of the portfolio invests in fixed income securities or monetary assets.

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 complete investment policy of BK Asia FP

See BK Renta Variable Europa FP BK Renta Variable Europa FP

Equity pension plan that invests more than 75% of its portfolio in equities, primarily in European equities, and the remainder in fixed income securities.

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 complete investment policy of BK Europa FP

See BK Renta Variable España FP BK Renta Variable España FP

Equity Pension Plan that invests more than 75% of its assets in equities, mainly in securities listed on the Spanish Stock Market. The remainder of the portfolio is invested in fixed income securities.

See complete investment policy of BK España FP

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