The CrèditPla Pensions Dinàmic is a pension plan that adapts the investments of the insured to their age so that they obtain the best possible risk-return trade-off on the amount invested.

Depending on the number of years left before retirement, the proportion invested in fixed income and variable income varies so that customers get the best possible return on their investment. 

  • Depending on the age of the insured, less is invested in variable income as retirement approaches so that the best possible return is obtained at all times. 
  • Upon retirement, there are a number of options for withdrawing the capital invested. 

Product taken out with Crèdit Assegurances, SAU

  • You can build up your savings through regular (monthly, quarterly, six-monthly or annual) or one-off payments (minimum of €100).
  • It is extremely flexible in terms of adjusting, modifying or stopping your regular payments. 
  • The contributions are tax deductible up to the threshold established by law. 

As a non-cash product, withdrawals may not be made until its maturity, with the exception of the following cases:

  • If the insured is unemployed for more than 24 months running.
  • If the insured suffers a serious illness (medical leave for more than 12 months).
  • If the insured changes tax residence to another country

The plan guarantees a lump sum comprising the payments made to the plan plus the compound interest earned each year. There are various options for receiving the capital on maturity:

  • Lump sum paid upon retirement.
  • Income in the amount decided on by the insured upon maturity.
  • Combination of a lump sum and income.