Unicaja has expanded its catalog of pension plans and has two new products: Uniplan Horizonte Estable 2029 and Uniplan Autónomos Simplificado.
Uniplan Horizonte Estable 2029 offers the possibility of estimating in advance the return to be obtained until the end of the investment on the contribution made.
Therefore, it reduces the client's doubts about the risks of the investment and the return to be obtained in the future, and also avoids assuming market volatility for those participants close to retirement age who want to protect their vested rights.
Uniplan Autónomos Simplificado is a simplified employment plan promoted in collaboration with the Colegio Oficial de Médicos de Almería, which was created under the recent Spanish legal framework to promote employment plans.
The launch of this pension plan in the International Mixed Fixed Income category responds to the need to provide self-employed or self-employed workers, in any sector, with an improved savings option for their retirement, since until now this group could only invest in individual pension plans, with the limitations on contributions that they entail (1,500 euros per year).
This type of plan contemplates an improved tax treatment due to the extension of the general contribution limit up to an annual maximum of 5,750 euros (1,500 euros of the general limit, increased by 4,250 euros for contributions to simplified employment plans for self-employed or self-employed workers).
Offering to cover any risk type
These two new products join Unicaja's complete range of pension plans1, which cover any risk profile, from the most conservative Short-Term Fixed Income to the most aggressive Variable Income, offering alternatives for all participants.
Unicaja, through Unicorp Vida, owned at 50% with Santalucía, manages its assets with a long-term vision, seeking to provide stable returns and preserve capital.
The bank currently has a pension plan campaign in force, under which it offers a bonus of up to 4% for transfers2 from other entities, provided that the request is made by 31 December and that the established commitment of permanence is fulfilled.
1 The documents containing the essential data for the participant of all pension plans are available for download and consultation on the following website: https://www.unicajabanco.es/es/particulares/ahorro-e-inversion/planes-de-pensiones/catalogo-de-planes-de-pensiones. The promoting entities are: Unicorp Vida, Insurance and Reinsurance Company, S.A./Unicaja Banco, S.A./Official College of Physicians of Almería, and Unión del Duero Life Insurance Company, S.A. Managers: Unicorp Vida, Insurance and Reinsurance Company, S.A. and Unión del Duero Life Insurance Company, S.A. Custodian: CECABANK, S.A. Marketing company: Unimediación S.L.U. through the Unicaja Banco, S.A. network.
2 Promotion valid until December 31, 2024, limited to a total of €300,000 for transfers of pension plans received, not subsidized in previous campaigns, from another marketing entity. Minimum transfer amount €5,000 to obtain a gross bonus consisting of 2% of the transfer with six years of permanence or €15,000 to obtain a gross bonus of 3% of the transfer with seven years of permanence or a bonus of 4% of the transfer with eight years of permanence. Maximum total bonus per client in all cases of €4,000 gross. Offer cannot be combined with other transfer bonuses. The promotion is subject to the conditions established in the permanence document and to personal income tax in accordance with current tax legislation. The bonus is considered to be a return on movable capital and is subject to withholding tax in accordance with current tax legislation, which is the responsibility of the client and at the rate in force at the time of payment. In the event of non-compliance with the commitment to remain due to the occurrence of any of the conditions detailed below, the client must reimburse Unicaja Banco for the proportional part of the bonus amount received corresponding to the period of time between the date of non-compliance and the date of completion of the commitment to remain acquired as a penalty in favour of Unicaja Banco. The conditions referred to in this section are the following: a) That the participant makes the transfer, in whole or in part, of the consolidated rights of any of said plans to another Pension Plan not marketed by Unicaja Banco. b) That the participant/beneficiary makes the redemption, in whole or in part, of the consolidated rights of any of said plans due to any of the contingencies or exceptional liquidity situations provided for in the legislation and in the Regulations of the plan.
