For your retirement
Tick, tock... Tick, tock... Tick, tock... Are you really going to leave it for another day?
We're not being pessimistic, just recognising a fact a life. It worries us because we know that one of these days we're going to have to think seriously about our retirement. But we always think that day is tomorrow, not today. The truth is, once you get down to it, it's not that difficult and it doesn't take long. Plus, you know that in the long term, you're going to be glad you did it.
Retirement The sooner, the better.
It's important to plan your retirement so when the time comes, you can maintain your standard of living. The way to supplement your public pension is to allocate a portion of your current income to a pension plan or PIAS (individual systematic savings plan).
It's not the amount that matters but your constancy.
Allocating some of your saving capacity to retirement products will soon turn that small monthly saving into a sizeable amount. Slowly but surely, little by little.The sooner you start, the smaller the monthly amount.
With so little effort you'll hardly notice it. But if you let the years roll by, you'll need to make a greater effort and larger contributions to reach the same goal.Never think it's too late.
No matter how old you are, it will always be a good option. Our wide range of retirement products cater for every stage of life.Different products, different complementary benefits.
Pension plans and EPSVs
Content Pension plans and EPSVs- Contributions to pension plans represent direct savings and reduce your annual income tax base by up to €8,000.
- When the time comes to redeem them, you'll be able to access your savings in the form of a lump sum, an annuity or a combination or both.
- You can make regular or one-off contributions to get the most advantageous tax treatment at the end of the year.
Savings plan
Content Savings plan- Complete liquidity 15 days after you set it up.
- You don't pay any tax while you're investing.
- You can choose between a lump sum or a life annuity.
- If you choose the life annuity, from the fifth year onwards you won't pay any tax on the returns.
- It includes life insurance.
- This is a unit-linked life-savings insurance product, which can result in the loss of the invested capital because it is the policyholder who assumes the risk of the investment.
A few minutes today is peace of mind tomorrow
Do the maths with our tools.
State pension calculator
Enter your age, years worked and gross salary to get a reliable estimate of your state pension.Pension plan calculator
All it takes is a few details and minutes to plan your retirement.Pension plan redemption calculator
Find out the redemption options of our pension plans using real data.Important information
-
Show/Hide legal textBasic information about data protection. Bankinter Seguros de Vida, S.A de Seguros y Reaseguros will process your data for the following purposes: (i) in compliance with legal obligations; (ii) for the comprehensive and centralised management of your insurance contract; (iii) to ask doctors and healthcare providers to supply the data and medical history required to prepare the contract and protect your interests; (iv) to analyse and develop profiles to ensure the correct execution of the insurance contract; and (v) to contact you with information about products or services that may be of interest to you since they are similar to the ones you already have with us. To be able to inform you about the products and services mentioned above, we will analyse your personal data to create a profile that will allow us, by whatever channel we may use to reach you, to tailor our commercial announcements as closely as possible to your needs, tastes and preferences. Please also refer to the additional information about data information published by Bankinter Seguros de Vida, S.A de Seguros y Reaseguros.