WHAT ARE THEY?

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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).

Shall we discuss it?

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

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.

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.

Lower risk
Potentially lower return

Higher risk
Potentially higher return

Lower risk

1

2

3

4

5

6

7


SANTANDER PP 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.

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



PP SANTANDER ASG RENTA FIJA

  • 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.

The risk-return level of this Pension Plan is 6 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


Shall we discuss it?

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

Fixed Income Pension Schemes

Icon / check Created with Sketch. Professional management when selecting the portfolio.

Icon / check Created with Sketch. Diversify with government and private bonds.

Icon / check Created with Sketch. Choose a plan that suits your risk profile.

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