Risk level
1/6 This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.
Liquidity alerts
Reimbursement, redemption or early repayment of part or all of the principal amount invested is subject to fees or penalties.

Plan Ahorro 5

Save without taxes

The Plan Ahorro 5 is an individual long-term savings insurance (SIALP) designed for members who want to save more easily and with total availability while saving taxes, as from the fifth year you can recover your money without paying tax on the interest. However, if you need to recoup your investment, you will be able to do so from the first year , although you will lose the tax benefit.

Plan Ahorro 5
Excellent return
*Profitability at the end of 2023. 3.45% pending approval by the 2024 General Assembly. Past profitability does not presuppose future profitability.

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How much can I get in 5 years saving taxes?

maximum annual contribution
x 5 years
to save taxes
+ 3%
average return
= 1,922.66
performance before tax¹

¹ This example is for information purposes only. Its terms are subject to the legal, statutory and regulatory provisions in force. Simulation based on a long-term return assumption of 3%, which can be modified on a quarterly basis depending on the expected financial performance of the investments.

in advance


Every quarter in advance, an interim return is fixed and applied daily to your Plan Ahorro 5. Once the annual accounts have been approved by the Assembly, the difference between the interim return and the return actually achieved (90% of the net return) is paid as a performance bonus with effect from 31 December of the previous year.

To give you an idea, currently the interim profitability is 3.30% for the current quarter. Average profitability of the last 10 years: 4.29%. 3.45% at the end of 2023* (pending approval by the 2024 General Assembly).

*Past returns do not imply future returns.

Benefits: security of your money and tax savings

Do you want to make your money work for you effortlessly and whenever you want? Then the Plan Ahorro 5 is exactly what you are looking for.

First of all, it is a very conservative product, with a risk level of 1 out of 6, and with a guaranteed return. Of course, you can take your money out whenever you want, but if you keep it for five years, you will be entitled to a tax exemption on the income, which is a real advantage.

What do I need to do to take out the policy?

In just a few minutes you can sign up for your Plan Ahorro 5 through our website, with no paperwork or lengthy procedures.

If you are already a member, you can apply for this product by logging into your user area.

If you are not a member, start the process now.

Need help?

We are at your disposal to answer any questions you may have about this product and its contract, do not hesitate to contact us.

Any questions?

What advantages does the Plan Ahorro 5 give me over other Mutualidad products?

Its greatest advantage is that by taking out the Mutualidad Plan Ahorro 5 you will be able to enjoy the excellent tax benefits of this product.

Is it possible to withdraw the money before 5 years have passed?


Your money will always be available at all times, without any problems. However, it is important to know that if you request a withdrawal before the fifth year, you will have to pay tax on the income obtained, something from which the client would be exempt if that time has already passed.


Can I make contributions of more than 5,000 euros per year?

No, as the maximum annual allowance is 5,000 euros per year. We recommend that you contact us to find out which product suits you best if you wish to contribute more than this amount.

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