It is a retirement plan that allows you to save gradually, so that when you retire you will be able to maintain a similar standard of living to the one you had previously.  This plan offers the opportunity to earn extra income in addition to the pension you will receive from CASS.

The CrèditPla Jubilació Dinàmic is designed for people who want to save while achieving the best possible return on the payments they make throughout their working life. Thus, as the plan-holder gets closer to retirement, the plan’s exposure to equities is steadily reduced.

  • The plan invests in portfolios with different fixed income or variable income asset allocations based on the age of the insured person. With this plan, you can build up your savings through regular (monthly, quarterly, six monthly or annual) or one-off payments (minimum of €30).
  • This plan offers great flexibility as you can adjust, change or suspend your regular payments at any time.
  • If necessary, you can also withdraw your savings.
  • In addition, you can purchase a complementary life insurance which, in the event of death or disability, pays out the full expected capital to the beneficiaries upon maturity of the policy.

*Product taken out with Crèdit Assegurances, SAU.

In the event of withdrawing your money, a penalty will apply up to 5 years before your retirement date:

  • In years 1 and 2: penalty of 3% of the capital withdrawn.
  • In year 3: penalty of 2% of the capital withdrawn.
  • In year 4: penalty of 1.5% of the capital withdrawn.
  • From year 5 and up to five years before retirement: penalty of 1% of the capital withdrawn.
  • Upon maturity of the plan, the capital will be paid out in full in a single payment. At the client’s choice, this lump sum can then be transformed into a life annuity for a specified number of years or until death, or a combination of these two options.