Risk 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 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.

Liquidity Alerts title

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

Variable Income

Plan your retirement and save in the long term, taking advantage of the tax benefits today.

Invest in companies that are listed in different markets.
Get good long-term returns.
Professionals to manage your investment.

For customers looking for a long-term investment

Variable Income Pension Schemes are designed for customers who want to invest in the long term and thus obtain a higher return for their retirement savings. The contributions made to the plan are invested in the shares of a specific market, such as Spain, Europe or the United States.

Arrange your Variable Income pension scheme and take advantage of today's tax benefits with your contributions. Invest in your retirement and your future.

What do variable income pension schemes offer me?

The advantages of hiring a Santander Variable Income pension scheme are several:

Diversification: these pension schemes invest in the shares of a large number of companies. The investment policy of each plan defines the companies.
Return: in general terms, in the medium-long term, better results are obtained when investing in variable income than in other assets such as fixed income or monetary assets.
Professional management: 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. Its analysis capacity, strict risk control and the knowledge of its customers’ need make it stand out from the rest.
Sustainable Investment: all Banco Santander equity pension plans promote environmental and/or social characteristics (Article 8 of the SFDR Regulation).
Trust: Banco Santander offers you simple and personalised solutions to invest in your retirement.

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.