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 Incrementa Autónomo

Add extra for your retirement with tax benefits

The plan Incrementa Autónomo is a product aimed at self-employed workers who want to improve their retirement with tax benefits by being able to reduce their personal income tax base by up to €4,250 per year in addition to the €1,500 established in the individual complementary social welfare systems.

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Excellent return

3.25% *Interim return for the current quarter.

*Past returns do not imply future returns.

Do you want to know if you are eligible to become a member of Mutualidad?

Who can be a member of Mutualidad?

Characteristics

It can be taken out by any self-employed person who qualifies as a member of a mutual insurance fund, irrespective of their profession.

It allows you to contribute up to an additional €4,250 tax-deductible in addition to the €1,500 currently allowed.

Exclusively for the self-employed

This product can be taken out by any self-employed worker who qualifies as a member, regardless of their profession.

Tax benefits

Your contributions will reduce the taxable base for Personal Income Tax (IRPF), so it is an excellent tax benefit.

Liquidity in special cases

The member may recover all or part of his accumulated savings in the event of permanent disability, serious illness or after 10 years have elapsed since each contribution was made.

Services

Choose the type that best suits your needs.

In the form of capital

In the form of financial income

In the form of an annuity

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

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

If you are not yet a member, you can contract this product by downloading and completing the application form.

Download application

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.

Extra documentation

Product sheet

Regulation

Request for contraction/modification

Previous informative note

Frequently Asked Questions

It can be taken out by members who are self-employed and who are registered in the Special Scheme for Self-Employed Workers (RETA) or in the alternative scheme of Mutualidad or in that of other mutual societies.

Serious illness.
Early disposal of economic rights arising from contributions older than 10 years

Other related products

Plan Alternativo Autónomo

To be self-employed

From 65 €/month*
The premiums you pay are your own
Tax benefits
Includes savings, death, permanent disability and absolute disability cover

*First year minimum contributions for new registrations

** System included in the Plan Universal de la Abogacía

Plan Ahorro Flexible

Your money available whenever you want it

Save with liquidity and a return
You can have your savings at your disposal from the very first moment
No contribution limits
Regularly or with on-off contributions, whenever it suits you best
Tax only when you receive your earnings

* System included in the Plan Universal de la Abogacía

Plus Vida *

Securing the future of your loved ones

Protect what you hold dearest
Your life insurance from €0.79/month for every €10,000 you insure
Up to €300,000
Your beneficiaries will be able to receive the benefit in the form they need
Favourable tax treatment

* Coverage included in the Plan Ahorro Flexible of the Plan Universal de la Abogacía

Seguro de Salud

Take care of the most important thing in life

Access the best private medicine, with personalised treatment, through a wide range of doctors, with the Adeslas guarantee
Assistance abroad
Remote consultations and medical guidance chat
Free 24-hour paediatric telephone helpline and second medical opinion
3 contracting options depending on your needs