Zurich Pensions

Zurich <span>Pensions</span>

When it comes to choosing your Pension Plan you have to be with the best: Zurich Insurance Company is a leader in solvency according to the Bloomberg Financial Information Agency.

Secure your future in 5 easy steps:
  1. Find out what you will charge when you retire and go ahead

  2. Join the most reliable company to secure your future

  3. Choose the Zurich plan that best suits you

  4. Calculate how much you have to contribute per month to enjoy your future as before

  5. Hire your plan and take your gift

We have a pension plan for you

Find out about the different alternatives to invest your money according to your profile and your needs. Choose between fixed or variable income and design your customized pension plan with professional advice and without additional costs. All with the Zurich guarantee, one more year the number 1 for solvency in Spain according to the ranking prepared with data from the official risk rating agency Moody’s.

100% Fixed Income Pension Plan

Zurich Suiza

Ideal for investor profiles interested in materializing their savings capacity in the safest way, recommended for ages very close to retirement.

Minimum contribution: From only € 30.00 / month.

  • Complete your social security pension with conservative investments

  • Take part of the contributions in your income statement and according to your income

  • Enjoy the free advisory service of our team of experts

Here you can download all the documentation related to your 100% Fixed Income Pension Plan

Fixed Income Pension Plan 85%

Zurich Moderate

If you still have a few years to retire you can draw a moderate investment plan with a minimum part in variable income. Combine investment in fixed and variable income.

Minimum contribution: From only € 30.00 / month.

  • Ideal if you are between 35 and 50 years old

  • Allows you to invest in both variable and fixed income

  • You will be able to deduct part of the contributions in the income statement and according to your income

Here you can download all the documentation related to your 85% Fixed Income Pension Plan

  • Fixed Income Pension Plan Brochure 85% (80,77 KB/PDF)

  • Fundamental data of the Pension Plan Fixed Income 85% (101,05 KB/PDF)

  • Investment policies of the Fixed Income Pension Plan 85% (62,58 KB/PDF)

  • Fixed Income Pension Plan Regulations 85% (2,25 MB/PDF)

  • Technical data of the Fixed Income Pension Plan 85% (393,69 KB/PDF)

Fixed Income Pension Plan 70%

Zurich Group

Do you want an investment plan with interest in investments that are mostly risk-free? This may be your perfect formula.

Minimum contribution: From only € 30.00 / month.

  • Ideal if you are between 35 and 50 years old

  • Allows you to save for your retirement with a minimum of investment risk

  • Return according to the evolution of the fixed income markets, with a maximum exposure of 30% to variable income

Here you can download all the documentation related to your 70% fixed income pension plan

  • Fundamental data of the 70% Fixed Income Pension Plan (101,09 KB/PDF)

  • Fixed Income Pension Plan Brochure 70% (80,77 KB/PDF)

  • Investment Policy of the Fixed Income Pension Plan 70% (18,34 KB/PDF)

  • Reglamento del Plan de Pensiones Renta Fija 70% (715,77 KB/PDF)

  • Technical data of the Fixed Income Pension Plan 70% (394,86 KB/PDF)

Variable Income Pension Plan 65%

Dynamic Zurich

If you are young and looking for a balance between fixed and variable income, these pension plans offer you the proportion you are looking for.

Minimum contribution: From only € 30.00 / month.

  • Euro Zone Mixed Equity Investments with strict risk control

  • Take part of the contributions in your income statement and according to your income

  • Enjoy the free advisory service of our team of experts

Here you can download all the documentation related to your 65% variable income pension plan

  • Basic data of the Pension Plan Variable Income 65% (109,06 KB/PDF)

  • Variable Income Pension Plan brochure (80,77 KB/PDF)

  • Investment Policy of the Pension Plan Variable Income 65% (265,93 KB/PDF)

  • Regulation of the Pension Plan Variable Income 65% (1,46 MB/PDF)

  • Technical data of the Pension Plan Variable Income 65% (393,62 KB/PDF)

100% Variable Income Pension Plan

Zurich Star

If you do not mind taking the risk if the profitability that you can get is much higher. Recommended for young investors.

Minimum contribution: From only € 30.00 / month.

  • Objective: maximum profitability according to the evolution of the European equity markets

  • Take part of the contributions in your income statement and according to your income

  • Enjoy the free advisory service of our team of experts

Here you can download all the documentation related to your 100% variable income pension plan

  • Fundamental data of the 100% Variable Income Pension Plan (100,89 KB/PDF)

  • 100% Variable Income Pension Plan Brochure (80,77 KB/PDF)

  • 100% Variable Income Pension Plan investment policy (18,23 KB/PDF)

  • Regulation of the Pension Plan 100% Variable Income (1,45 MB/PDF)

  • Technical data of the 100% Variable Income Pension Plan (393,9 KB/PDF)

What do you have to ask yourself to choose the best pension plan?

With the increase in life expectancy and the cuts in social security, getting a good pension plan may become the only guarantee of financial stability in the future.

And is that pension plans are that: savings plans for a term of ten years or more with the aim of having a good financial cushion when the job stage is over.

To do this, you have to choose how much you want or can save each month or year and where you want to invest that money, basically between variable or fixed funds.

Variable funds are recommended for young investors who do not mind taking a little more risk with the possibility of seeing their capital grow much more. On the other hand, during the closest ages to retirement it is recommended to invest in fixed return funds.

When opening a pension plan you must also take into account:

– Taxation: you can deduct the annual contributions up to the limit set by law.

– Redeem a pension plan: money invested in pension plans can be redeemed in the event of permanent disability, long-term unemployment or death.

The optimal time to open a pension plan: it is recommended that the sooner the better. Ideally, it should be done from the age of 30 or soon after entering the labor market.