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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

Variable Income

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

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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.

Shall we discuss it?

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

FIND A BRANCH OFFICE

Offers by geographic areas and investment styles

Banco Santander offers you six different Variable Income pension schemes, depending on the geographical area in which you want to invest your savings and your investment style.

Santander Future Wealth

Investment area: Global.
Investment style: Multi-thematic pension plan that seeks to participate in the innovation and megatrends of the future.
Recommended investment term: 10 years.

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

Santander ASG Acciones Españolas

Investment area: Spain.
Investment style: active and flexible management, based on the IBEX 35 index (the 35 most liquid and most capitalised stocks traded on the Spanish Stock Exchanges).
Recommended investment term: 10 years.

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

Santander ASG Renta Variable Europa

Investment area: Europe, with a focus on the Eurozone.
Investment style: high capitalisation and minority medium securities, with solid fundamentals, as well as in the process of privatisation or IPOs.
Recommended investment term: 10 years.

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

Santander Dividendo

Investment area: Europe.
Investment style: investment in European securities with high market capitalisation and shareholder dividend remuneration.
Recommended investment term: 10 years.

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

Santander ASG Renta Variable Norteamérica

Investment area: USA
Investment style: active and flexible management in the different North American equity markets, with investment in other North American equity CIIs.
Recommended investment term: 10 years.

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

Santander Sostenible Renta Variable Global

Investment area: USA, Europe and Japan.
Investment style: geographic diversification, covering the main developed equity markets.
Recommended investment term: 10 years.

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