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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.

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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 ASG 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

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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 Santander 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

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 Sostenible range applies sustainable and responsible criteria in the management of its investments.

PP MI PROYECTO SANTANDER SOSTENIBLE 2025

Aimed at people with a medium risk profile and with an expected retirement age around 2025.

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 2030

Aimed at people with a high risk profile and with an expected retirement age around 2030.

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 2035

Aimed at people with a high risk profile and with an expected retirement age around 2035.

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 2040

Aimed at people with a high risk profile and with an expected retirement age around 2040.

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.

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 people with a high risk profile and with an expected retirement age around 2045.

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.

Lower risk
Potentially lower return

Higher risk
Potentially higher return