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Looking ahead

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Together, we think about your future without neglecting the present.
Save now and secure your and your family’s future in the best way.

Savings Plan

A safe way to save 100% of the invested capital, guaranteed.

Advantages of our Savings Plans:

  • No subscription or refund fees.
  • Flexible contributions.
  • Good performance history.
  • No penalties on withdrawal.
  • Immediate availability of part or all of the capital.
  • Available in your bank account within four working days (if sales orders are placed before 12: 00 PM).

 

Pension plans

Start saving now by making regular contributions to get a lump sum or annuity at retirement and be able to supplement your pension.

Decide how much and how often you want to make your contributions at any time.

Tax advantages

You can reduce your personal income tax base by up to €5,000.

Availability

The invested capital will be available upon retirement, in the event of disability or death and also in exceptional situations such as unemployment, serious illness (sick leave of more than 12 months) or transfer of tax residence outside Andorra. The benefit may be in the form of a lump sum, an annuity or a combination of the two.

Other benefits

Free life insurance, in the event of an accident, for the amount of the vested rights from €6,010.12 up to a maximum of

€30,050.60, with the exception of the Guaranteed Capital Pension Plan.

Contributions to BSA Pension Plans do not have any fees. We offer you different types of Pension Plans so that you can choose the one that best suits your savings profile.

Guaranteed
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The Guaranteed Capital Pension Plan allows you to have access to a fully guaranteed accumulated lump sum or income at the time of retirement.

  • 100% guaranteed capital for BSA.
  • Guaranteed annual return* (year 2019, 0.50%).

*(This performance is established on a yearly basis depending on market conditions; past performance does not affect future performance).

  • Flexibility in contributions, up to a maximum of €10,000 per year.
Senior
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Typical equity investment of 25%. It is most suitable for people over 55 years of age.

  • This is the period closest to retirement, when saving is very important.
  • The deadline until retirement is short, so the most important thing is the preservation of capital.
Mixed
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Typical equity investment of 50%.

It is suitable for people aged between 40 and 55 with a medium/long-term investment objective.

  • This is the period of equity  consolidation.
  • The capital saved can start to be substantial and although the investment deadline is also distant, it becomes necessary to control risk by limiting riskier assets.

 

Junior
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Invest around 70% in equities. It is suitable for people under 40 years of age:

  • For when the capacity for Savings begins to emerge.
  • The remaining time until retirement can be considered very long term, which may allow for higher returns.
Retirement plans

Foresight is the key word to make the most of your retirement when the time comes.

At Sabadell d’Andorra Inversions SGOIC we help you prepare for a more peaceful retirement.

BSA retirement plans differ from BSA pension plans mainly because of their flexibility in the use of the invested capital and because their contributions do not reduce the taxable income for personal income tax purposes.

Features:

Withdraw your capital without penalty at any time, in whole or in part.

Monthly contributions adaptable to your economy.

Income obtained from Pension Plans is exempt from personal income tax.

Free life insurance, in the event of an accident, for the amount of the vested rights from €6,010.12 up to a maximum of €30,050.60.

Contributions to BSA Retirement Plans do not have any fees.

We offer you different types of Retirement Plans so that you can choose the one that best suits your savings profile.

Senior
Apply

Typical equity investment of 25%. It is most suitable for people over 55 years of age.

  • This is the period closest to retirement, when saving is paramount.
  • The deadline until retirement is short, so the most important thing is the preservation of capital.
Mixed
Apply

Typical equity investment of 50%.

It is suitable for people aged between 40 and 55 with a medium/long-term investment objective.

  • This is the period of equity consolidation.
  • The capital saved can start to be substantial and although the investment deadline is also distant, it becomes necessary to control risk by limiting riskier assets.
Retirement/Pension plans for companies

If you have a company and want to contract a pension plan for your staff, please contact your  personal manager, who will inform you of the most suitable option.

We help you make the best decisions.
Consult your manager. 

Calculate your savings capacity in three steps
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