PRODUCTO COMPLEJO

MI PROYECTO SANTANDER SOSTENIBLE

MI PLAN SANTANDER

VARIABLE INCOME

FIXED INCOME

Retirement savings for residents of the Basque Country

The Voluntary Social Provision Entities (Entidades de Previsión Social Voluntaria - EPSV) are in charge of managing social provision plans, for residents of the Basque Country. These pension schemes allow you to save to obtain a supplementary income to your pension.

With the plans designed by Banco Santander, you only have to decide how much to save and how much risk to take, and a team of professionals takes care of the rest.

Mi Proyecto Santander Sostenible

Five schemes managed under a single life cycle strategy and with sustainable and responsible criteria in the management of its portfolio.

Mi Plan Santander

Mi Plan Santander Invest in different assets combining them according to the risk you want to assume.

Variable Income Pension Schemes

Comprises two plans that invest in stocks and cover different geographic areas and investment styles.

Fixed Income Pension Schemes

These plans invest in fixed income assets, mainly the bond market.


Five schemes with sustainable criteria

This is a range of five social provision schemes with different investment horizons, based on a Life Cycle investment strategy. Furthermore, the Mi Proyecto Santander Sostenible range applies sustainable and responsible criteria in the management of its portfolio.

Mi Proyecto Santander Sostenible 2025, PPSI

  • Aimed at those born between 1 January 1958 and 31 December 1962.
  • Mixed Fixed Income Plan, which in 2020 will invest between 12% and 22% of its assets in Variable Income.
  • Medium risk



Mi Proyecto Santander Sostenible 2030, PPSI

  • Aimed at those born between 01 January 1963 and 31 December 1967.
  • Mixed Fixed Income Plan, which in 2020 will invest between 20% and 30% of its assets in Variable Income.
  • Medium risk



Mi Proyecto Santander Sostenible 2035, PPSI

  • Aimed at those born between 01 January 1968 and 31 December 1972.
  • Mixed Variable Income Plan, which in 2020 will invest between 40% and 50% of its assets in Variable Income.
  • Medium risk



Mi Proyecto Santander Sostenible 2040, PPSI

  • Aimed at those born between 01 January 1973 and 31 December 1977.
  • Mixed Variable Income Plan, which in 2020 will invest between 50% and 60% of its assets in Variable Income.
  • Medium risk



Mi Proyecto Santander Sostenible Smart, PPSI

  • Aimed at those born between 01 January 1978 and 31 December 2000.
  • Mixed Variable Income Plan, which in 2020 will invest between 65% and 75% of its assets in Variable Income.
  • High risk

Shall we discuss it?

If you would like more information, visit any of our branch offices.

A plan adapted to your risk profile

The Mi Plan Santander range of Provision Schemes invests in different assets combining them according to the risk you want to assume.

Choose from among all the plans in this range, the one that best suits your investment criteria. If you want to change the investment profile, you can do so at any time by changing to one with a higher or lower risk level.

Mi Plan Santander Crecimiento, PPSI

  • Mixed Fixed Income Plan which can invest between 0% and 30% of its assets in Variable Income.
  • Recommended minimum investment term of 3 years.
  • Medium risk



Mi Plan Santander Moderado, PPSI

  • Mixed Fixed Income Plan which can invest between 20% and 50% of its assets in Variable Income.
  • Recommended minimum investment term of 5 years.
  • Medium risk



Mi Plan Santander Decidido, PPSI

  • Variable Fixed Income Plan which can invest between 40% and 70% of its assets in Variable Income.
  • PRecommended minimum investment term of 7 years.
  • Medium risk

Shall we discuss it?

If you would like more information, visit any of our branch offices.

Plans by geographic area and investment styles

The Range of Equity Savings Schemes is made up of two plans that cover different geographic areas and investment styles. They are ideal if you have a long-term retirement horizon and are willing to take the risk of investing in stocks.

Santander Dividendo, PPSI

  • Investment area: Europe.
  • Investment style: investment in European securities with high market capitalisation and shareholder dividend remuneration.
  • Recommended investment term of 10 years.
  • High risk.



Santander Renta Variable Global, PPSI

  • Investment area USA, Europe and Japan.
  • Investment style: geographic diversification, covering the main developed equity markets.
  • Recommended investment term of 10 years.
  • High risk.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

Diversified investment in fixed income plans

If you are looking for medium-long term returns, these are the right plans for you as they invest in fixed income assets. These plans invest primarily in the bond market, both sovereign and private from European and international issuers, with terms generally greater than one year, therefore their risk is greater than that of monetary ones.

Santander Monetario, PPSI

  • This invests all of its assets in short-term public and private fixed income assets in the euro area. The average duration of the assets is between 0 and 12 months.
  • Low risk.



Santander Renta Fija, PPSI

  • This focuses its investment in fixed-income assets, mainly from public or semi-public issuers, which may include private companies, mostly from the euro area.
  • Medium risk.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

Social Provision Schemes

Icon / check Created with Sketch. Choose a pension scheme according to your age.

Icon / check Created with Sketch. Invest in different levels of risk.

Icon / check Created with Sketch. Entrust your investment to a group of professionals.

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