The Plan Alternativo Autónomo* with more advantages than ever. 3.30% Profitability on account of current quarter1 + 0.15% bonus on new extraordinary contributions2.
*SVA System included in the Universal Plan for the Legal Profession.
1. Profitability at the end of 2023: 3.83%, pending approval by the 2024 General Assembly. Past returns do not presuppose future returns.
2. As long as you maintain your accumulated balance until the end of the year. Bonus applied to extraordinary contributions made from 3/1 to 7/31, 2024. See promotion bases.
Do you want to know if you are eligible to become a member of Mutualidad?
At Mutualidad we work every day so that you have the security and peace of mind you need. And this is achieved with Plan Alternativo Autónomo that you can design “to measure” from a minimum.
More and more people are opting for the Plan Alternativo Autónomo for the following reasons.
| Minimum monthly contributions* | |
|---|---|
| Year | Contribution |
| 1st year | €65 |
| 2nd year | €65 |
| 3rd year | €180 |
| 4th year | €210 |
| 5th year | €210 |
| 6th year | €230 |
| *From the 6th year onwards, contributions increase annually by 3%. The contributions of new members up to the age of 40 already include a 100% reduction in the amount of the contributions of the risk cover for the 1st year and 50% for the following 2 years in the Permanent Disability and Temporary Professional Disability covers. Without prejudice to the minimum contributions established, where appropriate, Mutualidad will add those necessary to reach at least the limit of 80% of the minimum contributions that would have been payable in general under the Special Scheme for Self-Employed Workers, or the minimum contribution limit established in each case by the regulations, in order to maintain the alternative nature of this pension system. To this end, the member must provide the information required on his income or, failing this, Mutualidad will make the estimates it deems necessary and, where appropriate, one or more receipts will be issued for the corresponding amount and/or his system of future contributions will be regularised. | |
| Income Age | ¹ Estimated Target Capital at 3% at age 67 according to the contracting minimums |
|---|---|
| 20 | 313,805.73€ |
| 25 | 233,902.36€ |
| 30 | 167,188.53€ |
| 35 | 111,155.16€ |
| 40 | 123,796.68€ |
| 45 | 86,868.57€ |
| 50 | 57,315.02€ |
| 55 | 33,843.71€ |
| 60 | 15,374.88€ |
| 65 | 1,598.94€ |
| 66 | 789.64€ |
| ¹ Estimated target capital at age 67, to be received in any of the forms provided for. Estimated with a 3.00% return assumption. Past performance does not imply future performance. | |
With this Plan Alternativo Autónomo, you can receive your retirement pay-out as a life annuity – in any of its forms -, financial income or receive the total amount saved in the form of capital. You can also delay your retirement age and leave your savings in Mutualidad to continue earning returns on them and receive them later, when you need them.
Contract this product by downloading and completing the application form.
We are at your disposal to answer any questions you may have about this product and its contract, do not hesitate to contact us.
Yes. Bear in mind that if you choose to join Mutualidad now, and later decide to change to the RETA, you will be able to keep the Plan Alternativo Autónomo as a complement to the public social security system, while retaining your general economic rights. This is not possible in the RETA, where switching to Mutualidad as an alternative system is not possible.
No, unlike in the RETA. The contributions made would not be lost and would remain accumulated in the account, benefiting from Mutualidad’s returns until they are withdrawn.
Yes, there is case law on this issue. According to the judgement of the Administrative Chamber of the Supreme Court of 22 June 2004 (REC 1/52/2003), it is fully compatible to receive benefits from Mutualidad and from the Social Security or any other private entity at the same time.
Mutual membership is lost in cases of:
Plan Incrementa Autónomo Add a little extra for your retirement with tax benefits
Plan Ahorro 5 Save without taxes
PPA Mutualidad Your pension supplement
* System included in the Plan Universal de la Abogacía
Seguro Accidentes Protect yourself in the event of an accident
Seguro de Salud Take care of the most important thing in life