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
The payment of the benefit or the exercise of the right of redemption is only possible in the event of the occurrence of one of the exceptional liquidity contingencies regulated in the pension plan and fund regulations.

Plan Alternativo Autónomo

To be self-employed

The Plan Alternativo Autónomo* with more advantages than ever. 3.30% Profitability on account of current quarter1 + 0.15% bonus on new extraordinary contributions2.

Plan Alternativo Autónomo
Excellent return
*Profitability at the end of 2023: 3.83%, pending approval by the 2024 General Assembly. Past returns do not presuppose future returns.

*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.

Main advantages of this product

More and more people are opting for the Plan Alternativo Autónomo for the following reasons.

Minimum monthly contributions*
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 Age¹ Estimated Target Capital at 3% at age 67 according to the contracting minimums
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.

Receive it as you wish

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.


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

Contract this product by downloading and completing the application form.

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.

Frequently Asked Questions

Once I am registered with Mutualidad, can I leave and switch to the Special Regime for Self-Employed Workers (RETA)?

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.

If I suspend my contributions to the Mutualidad, will I lose all my accumulated capital?

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.

Are the benefits of Mutualidad compatible with those of the Social Security or with those received from other entities?

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.

When do you lose your member status?

Mutual membership is lost in cases of:

  • Death of the member.
  • As a consequence of withdrawal from all Mutualidad savings and pension schemes.
  • For acquiring the status of beneficiary, when retirement or disability benefits are recognised, by receiving the full amount of the capital accumulated in their deposit account.
  • For non-payment of the passive instalments agreed.

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