The level of risk of the Plans on a scale from 1 to 7, varies from 3 to 5. The category "1" does not mean that the investment is risk free.

1

2

3

4

5

6

7

Lower risk

Potentially lower performance

Higher risk

Potentially higher performance

Information required by OM ECC / 2316/2015: Pension Plans

The risk level and liquidity alerts for each plan are detailed in the fundamental data document that can be consulted in the detailed tab for each plan.

PENSION SCHEMES

Mi Proyecto Santander Sostenible range

Save smartly and actively with these plans that adapt to each stage of your life. Invest in a sustainable and responsible manner.

CHOOSE A PENSION

scheme based on your retirement date

DO NOT CHANGE PLANS

the investment will adapt to your age

ENTRUST

your long-term savings to professionals

Save with the same pension scheme until your retirement

The Mi Proyecto Santander Sostenible range is made up of five pension schemes so you can choose the one that best suits your retirement date.

It helps you to save by staying on the same pension scheme until your retirement day. The plan you choose will adapting to your needs according to the passage of time, decreasing the percentage of investments with greater risk as the date of your retirement grows near.

LIFE CYCLE STRATEGY

The Mi Proyecto Santander Sostenible range of pension schemes is based on the Life Cycle strategy, in other words, the plan's investment is adapted to the different stages of the savings, with the aim of maintaining purchasing power upon retirement.

Each plan of the Mi Proyecto Sostenible range has an initial level of risk based on the age and the investment horizon until retirement. As that time approaches, the plan reduces exposure to risky assets and increases investment in fixed income. Thus, you can choose the pension scheme that adapts to your retirement time horizon, based on your current age.

The life cycle strategy, together with the regular contribution as a way of saving, are a great combination to channel your retirement savings.

Why contract the Mi Proyecto Santander Sostenible range?

SUSTAINABILITY

At Banco Santander we are leaders and pioneers in Sustainable and Responsible Investment in Spain. We continue to advance and align the principles of sustainable and responsible investment with the objectives of the Mi Proyecto Santander Sostenible range.

Mi Proyecto Santander Sostenible applies both financial and extra-financial criteria to the management of its portfolio as well as those associated with sustainable and responsible investment (Environmental, Social and Governance), in order to obtain a more complete and global overview of the assets in which to invest in relation to their financial, social and environmental sustainability.

PROFESSIONAL TEAM

We want to help you progress day by day with simple and personalised solutions with a fair and equitable treatment based on confidence and security. Therefore, we have the management of the Santander Asset Management group, a global asset manager with more than 200 specialists and a presence in 11 countries. Santander Asset Management manages a wealth of € 162 billion and focuses its activity on investment funds, pension schemes and tailored solutions for large companies.

Shall we discuss it?

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

FIND A BRANCH OFFICE

Which range plan to choose

PP MI PROYECTO SANTANDER SOSTENIBLE 2025

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.

The risk-return level of this Pension Plan is 3 on a scale of 1 to 7, which means that it has a medium risk profile. Category “1” does not mean that the investment is risk-free.

Lower risk
Potentially lower return

Higher risk
Potentially higher return

1	2	3	4	5	6	7

ARRENGE NOW

FULL SHEET

PP MI PROYECTO SANTANDER SOSTENIBLE 2030

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.

The risk-return level of this Pension Plan is 4 on a scale of 1 to 7, which means that it has a medium risk profile. Category “1” does not mean that the investment is risk-free.

Lower risk
Potentially lower return

Higher risk
Potentially higher return

1	2	3	4	5	6	7

ARRENGE NOW

FULL SHEET

PP MI PROYECTO SANTANDER SOSTENIBLE 2035

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

The risk-return level of this Pension Plan is 4 on a scale of 1 to 7, which means that it has a medium risk profile. Category “1” does not mean that the investment is risk-free.

Lower risk
Potentially lower return

Higher risk
Potentially higher return

1	2	3	4	5	6	7

ARRENGE NOW

FULL SHEET

PP MI PROYECTO SANTANDER SOSTENIBLE 2040

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

The risk-return level of this Pension Plan is 5 on a scale of 1 to 7, which means that it has a high risk profile. Category “1” does not mean that the investment is risk-free.

Lower risk
Potentially lower return

Higher risk
Potentially higher return

1	2	3	4	5	6	7

ARRENGE NOW

FULL SHEET

PP MI PROYECTO SANTANDER SOSTENIBLE SMART

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

The risk-return level of this Pension Plan is 5 on a scale of 1 to 7, which means that it has a high risk profile. Category “1” does not mean that the investment is risk-free.

Lower risk
Potentially lower return

Higher risk
Potentially higher return