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Start saving (se abre en una nueva ventana)

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Start saving (se abre en una nueva ventana)

30 days

To have your money available

{{atributo:Rentabilidad}}%

Current account return*

*Past returns do not guarantee future returns. Return at end of 2024: 4.13%.

0€

Management fees

Start saving (se abre en una nueva ventana)

RISK LEVEL

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This number indicates the product's risk level: 1/6 is lower risk and 6/6 is higher risk

LIQUIDITY WARNINGS

The reimbursement, surrender or early repayment of part or all of the principal invested is subject to fees or penalties.

Total flexibility

  • Contribute from €60, with the frequency and amount you decide because there's no contribution limit.
  • Choose how to receive your benefit: as a lump sum, as income, or a combination.
  • A plan that adapts to your pace, not the other way around

Your money always accessible

  • Enjoy near-instant liquidity, with withdrawals from day one.
  • The perfect tool for your short-term goals or unexpected expenses.
  • Withdrawals before year 3 only carry a small decreasing charge.

Fair and transparent returns

  • Receive 90% of the return generated by the investment portfolio.
  • Your contributed capital is guaranteed at maturity.
  • A conflict-of-interest-free model where your benefit is the only goal.

Clear tax treatment

  • Withdrawals are taxed as movable capital income in your personal income tax.
  • Temporary disability is treated as a capital gain (personal income tax).
  • The death benefit is taxed under Inheritance Tax, which is more favourable.

One plan, three ways to build your peace of mind

The Flexible Savings Plan adapts to your life stage.

Choose the option that best meets your needs or combine them to create a solution tailored to you.

1

Savings

The simplest way to grow your money. Ideal if your only goal is saving, with an attractive return and maximum flexibility.
2

Protection

If your priority is peace of mind, this option lets you take out only the risk covers, such as death or disability, to protect you and your loved ones.
3

Savings and protection

The most complete solution. Combines the returns of savings with the peace of mind of protection covers, creating a comprehensive care ecosystem for you and your family.
Cover

The power of taking care of each other: much more than savings

The value of our community shows when you need it most. That's why we offer you the option to complement your plan with covers that protect you and your loved ones.

Savings and retirement cover

Whatever happens, at the end of the road you are guaranteed 100% of everything you have contributed. Your effort is safe with us.

Death cover

The basic benefit payable in the event of the mutual member’s death shall be equal to the value of the accumulated fund at the time of death, plus 10 per cent of that value at the end of the previous month up to the age of 65, or 1.1 per cent from that age onwards, subject to a maximum basic increase of €10,000.

Temporary professional disability

Receive daily financial support during your leave. A 'salary' from your community so your only concern is your recovery.

Permanent disability

The peace of mind of receiving a capital sum that protects your future and your family's if you can no longer practise your profession.

Additional death benefit

In the event of death, your family will receive the full value of your plan plus additional capital to guarantee their peace of mind.
Start here

Your sign-up, step by step

1
First steps
We need to verify your identity. It's a quick, essential step to ensure the full security of your savings plan.
2
Configure your product
This is where you tailor the plan to your life. Decide how your contributions will work.
3
Confirm your details
We need your basic details to create your account  and keep you informed about your savings.
4
Choose your contribution method
Securely link the account  you'll use to make contributions. One last step to get your plan up and running.
5
Review and you're done!
Check everything is correct  in your private area and start saving
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Questions you may have

Frequently asked questions

Flexibility
Availability
Profitability
Tax advantages