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SpanishRisk Index CNMV
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.
Low Risk
High Risk
Risk Scale 4 5 6
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.
- The collection of the benefit or the exercise of the right of redemption is only possible in the event of any of the contingencies or exceptional cases of liquidity regulated in the regulations of pension plans and funds.
- The value of mobilization rights, benefits and exceptional liquidity assumptions depends on the market value of the assets of the pension fund and can cause significant losses.
Pension Schemes
Mi Proyecto Santander ASG range
Save smartly and actively with these plans that adapt to each stage of your life. Invest in a sustainable and responsible manner.
Chosose 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 ASG 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 ASG 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 Santander ASG 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 ASG range?
Sustainability
At Banco Santander we continue to advance and align the principles of sustainable and responsible investment with the objectives of the Mi Proyecto Santander ASG range.
Mi Proyecto Santander ASG 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.
Which range plan to choose
It is a range of five plans with different investment horizons, based on the Life Cycle investment strategy. The Life Cycle strategy offers a diversified portfolio that reduces the risk level of the pension plan as the target retirement date approaches. In addition, the Mi Proyecto Santander ASG range applies sustainable and socially responsible criteria in the management of your investments, i.e. ESG (Environmental, Social, Governance) criteria.
PP Mi Proyecto Santander ASG 2025
- It is aimed at people with a medium risk profile and with an expected retirement age of around 2025. It is a pension plan that invests at least 70% in Fixed Income and 20% in Equities.
Risk Index CNMV
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.
Low Risk
High Risk
Risk Scale 4
PP Mi Proyecto Santander ASG 2030
- It is aimed at people with a high risk profile and with an expected retirement age of around 2030. It is a pension plan that invests around 40% in Fixed Income and 40% in Equities.
Risk Index CNMV
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.
Low Risk
High Risk
Risk Scale 5
PP Mi Proyecto Santander ASG 2035
- It is aimed at people with a high risk profile and with an expected retirement age of around 2035. It is a pension plan that invests around 20% in Fixed Income and 60% in Equities.
Risk Index CNMV
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.
Low Risk
High Risk
Risk Scale 5
PP Mi Proyecto Santander ASG 2040
- It is aimed at people with a high risk profile and with an expected retirement age of around 2040. It is a pension plan that invests around 15% in Fixed Income and 70% in Equities.
Risk Index CNMV
The risk-return level of this Pension Plan is 6 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.
Low Risk
High Risk
Risk Scale 6
PP Mi Proyecto Santander ASG Smart
- It is aimed at people with a high risk profile and with an expected retirement age of around 2045. It is a pension plan that invests around 10% in Fixed Income and more than 70% in Equities.
Risk Index CNMV
The risk-return level of this Pension Plan is 6 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.
Low Risk
High Risk
Risk Scale 6
Management Entity: Santander Pensiones, S.A. EGFP; Depository Entity: Caceis Bank Spain S.A.; Promoting entity: Banco Santander, S.A.
The KIID (Key Investor Information Document) is available at www.santanderassetmanagement.es
Pension schemes are products that depend on fluctuations in market prices and other variables, so the plan does not guarantee any return.
Mi Proyecto Range
- 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.
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