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Your well being in your old age matters to us.

For this reason, we offer you the most advantages to make your pension bigger. Our experts will ensure you obtain the maximum returns on your money. We recommend 4 pension plan options starting from 30 euros per month.

Pension Plans

To be able to maintain today’s lifestyle when you are retired, you need to complement your pension with a long term savings plan.

Do you want to know how much your retirement pension will be?

Most Frequently Asked Questions about Savings Plans

Types of Plafutur

Pla futur 30: a pension plan made to invest about 60% on the stock market exchange; it was developed for clients between the ages of 30 and 40.

Pla futur 40: a moderate risk pension plan which invests about 40% on the stock market; it was developed for clients between the ages 40 and 50.

Pla futur 50: a conservative pension plan which invests 20% on the stock market; it was developed for clients between the ages of 40 and 50.

Pla futur Garantit : a pension plan with a fixed return developed for clients over 60 years old.

 

What is it?

It is a personal savings investment plan, developed especially with the objective to create a complement to the government’s retirement pension and/or to fulfil any project of personal nature. Making minimal effort and according to periodical or extraordinary deposits, you will be able to contribute to a patrimony to support your plans of the future. The Future Plan is developed as a financial capitalization product, built by periodical and extraordinary deposits, plus the interest is generated monthly during its term.

Why have a future plan?

Right now, to build a secure patrimony with retirement in mind, to maintain the same living standards, the government’s pension needs to be complemented with a long term savings plan. andbanc’s Future Plan has been developed as one of the ways to complement your government’s retirement pension, or also as a manner to secure the savings to finance a future plan of personal nature, as well as, finance the studies of your children or their independence, etc.

How much is each instalment?

You can choose the amount you want to pay, from 30 euros per month, as well as, you can choose to make extraordinary deposits from 60 euros with no pre-established maximum amount, at any time during the duration of the plan. You have the option to make an initial subscription of minimum 60 euros and without an established maximum limit.

Is it possible to stop the periodic instalments temporally?

Without a doubt! You may decide to stop the instalments at anytime and the plan will continue to generate interest on the remaining capital.

When can I get the money?

After the first year you can withdraw partial or the entire accumulated capital plus the generated interest revenue without being penalized. The withdrawal will be made to the account after 15 days of being requested.

Does the Pla Futur include any type of insurance?

As an option, with the Pla de Futur you can subscribe to two types of insurance:

Life insurance: This insurance guarantees the chosen capital amount in case of death. Coverage from 6.010 euros up to 60.101 euros, without medical certificate.

Instalment payment Insurance: This insurance covers the periodic instalments until the end of the contract in case of absolute or permanent disability of the insurer (it is branched off from the later).

 

Pla futur 30

For the clients between the ages of 30 and 40, expecting high return and predisposed to take medium high risk in the long term.

The portfolio is composed of stock market and fixed rate funds, with a maximum of 60% in variable rate funds and 20% in alternative management funds.

Average return in the last 10 years: 9,77%
Maximum annual return during the 10 year period: 18,71%
Minimum annual return during the 10 year period: 3,99%

Distribution per fund type

      Stock market:  10%

              Fixed Rate:  20%

        Variable Rate : 55%

    Alternative :  15%

 

Pla futur 40

For the clients expecting moderate return with a medium risk tolerance level, in the long term, without currency risk. Developed for clients between the ages of 40 and 50.

This plan will invest mainly in the Euro region. The portfolio composition will be of mainly of stock market and fixed rate funds, with a maximum of 40% in variable rate funds and 10% in alternative management funds.

Average return in the last 10 years: 9,68%
Maximum annual return during the 10 year period: 15,36%
Minimum annual return during the 10 year period: 5,15%.

Distribution per fund type

      Stock market:  10%

              Fixed Rate:  35%

        Variable Rate : 35%

    Alternative :  20%

 

Pla futur 50

For conservative clients searching for a low return with a low risk level and without currency risk. Developed for clients between the ages of 50 and 60.

This plan will invest mainly in the Euro region. The portfolio composition will be of stock market and fixed rate funds, with a maximum of 20% in variable rate funds and 10% in alternative management funds.

Average return in the last 10 years: 8,10%
Maximum annual return during the 10 year period: 11,43%
Minimum annual return during the 10 year period: 4,88%

Distribution per fund type

      Stock market:  10%

              Fixed Rate:  60%

        Variable Rate : 15%

    Alternative :  15%

 

Pla futur Garantit

For the conservative clients, over 60 years old or for deposits which do not reach 3.000 euros. Deposit made to andbanc with a return fixed to Euribor for a year minus one percent, revised annually. The interest grows day by day, being payable every 5th day of each month or next available date.

 

Plafutur pioestalvi

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Podràs obrir el compte a partir de 50 €

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500 € - una pràctica cantimplora
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35.000 € - Wii + joc Sports

Import mínim d’obertura: 50€
Rendibilitat garantida: Líbor 1 mes -1%

No comercialitzable a persones no residents al país ni a US persones

 

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