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SpanishRisk Index CNMV
The level of risk of the Plans on a scale from 1 to 7, varies from 1 to 3. The category "1" does not mean that the investment is risk free.
Low Risk
High Risk
Risk Scale 1 3 2
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.
Liquidity Alert:
- 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
Fixed Income Plans
Save for retirement with these plans that invest primarily in the bonds market.
- Diversify with government and private bonds.
- Choose a plan that suits your risk profile.
- Professional management when selecting the portfolio.
Pension schemes with long-term returns
Fixed Income Pension Schemes offer you medium and long-term returns with the advantage of investing in lower risk assets of lower risk.
These are pension schemes that invest in fixed income assets and have been designed for investors looking for medium to long-term returns. The investments contemplated in the Fixed Income Pension Schemes focus on the bond market, both sovereign and private issuers at European and international level. This investment is generally made in terms of longer than one year.
Banco Santander adapts the type of Fixed Income Pension Scheme to each customer profile according to the risk they want to assume the investment horizon established. The choice will be determined by the percentage of the investment in high yield (bonds issued by entities with low ratings that pay a higher interest to the investor due to the risk they assume when acquiring them), the credit quality of the bonds, the investment term, the type of issuer and the estimated duration of the investment.
In addition, Banco Santander's fixed-income pension plans promote environmental and/or social characteristics (Article 8 of the SFDR Regulation).
Range of plans that invest in fixed income
These plans invest in fixed income assets, mainly the bond market. You will be able to choose from three alternatives that offer public and private fixed income assets, in different geographical areas and with different credit quality.
PP Santander ASG Short Term Fixed Income
- This plan invests all of its assets in short-term public and private fixed-income assets in the euro area, and can invest up to a maximum of 20% in low-quality assets.
- The average duration of the portfolio is between 0 and 12 months.
Risk Index CNMV
The risk-return level of this Pension Plan is 1 on a scale of 1 to 7, which means that it has a low risk profile. Category "1" does not mean that the investment is risk-free.
Low Risk
High Risk
Risk Scale 1
PP Santander Sustainable Fixed Income 1-3
- Fixed income pension plan that invests with financial and non-financial criteria of sustainable and responsible investment (SRI) and ESG (Environmental, Social, Governance) criteria.
- The average duration of the portfolio will be between 1 and 3 years.
- 100% of the investment will be public and/or private fixed income, as well as deposits and money market instruments, listed or not, liquid and without securitizations, being able to invest up to 15% of the total exposure in low-quality issues.
Risk Index CNMV
The risk-return level of this Pension Plan is 2 on a scale of 1 to 7, which means that it has a low risk profile. Category "1" does not mean that the investment is risk-free.
Low Risk
High Risk
Risk Scale 2
PP Santander ASG Fixed Income
- This focuses investment in fixed income assets, mainly public or semi-public issuers, and may include private investors and invest up to a maximum of 5% in low-quality assets in the euro area.
- The average duration of the portfolio is 4 years.
Risk Index CNMV
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.
Low Risk
High Risk
Risk Scale 3
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.
Fixed Income Pension Schemes
- Diversify with government and private bonds.
- Choose a plan that suits your risk profile.
- Professional management when selecting the portfolio.
Other related products
Mi Plan Range
Choose your pension scheme based on the risk you want to assume to save for your retirement.
Variable Income Plans
Save over the long-term with diversification for your retirement with this range of pension schemes.
Savings Insurance
Insure your investments and choose the insurance that best suits your savings needs.