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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

Fixed Income Plans

Save for retirement with these plans that invest primarily in the bonds market.

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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.

OFFICE FINDER

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

ARRANGE NOW

MORE INFORMATION

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

ARRANGE NOW

MORE INFORMATION

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