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Pension and retirement savings plan
Start building the future you deserve today by investing in stability and security with your pension plan.
In short
What is a pension plan
A pension plan is a savings product aimed at retirement, whose contributions reduce the taxable base of the IRPF. Since 2022, the individual contribution limit is set at €1,500 annually, extendable up to an additional €8,500 through employer contributions to employment plans. This reduction in the individual limit has made the employment plan the main route to accumulate retirement savings with tax advantages.
Advantages
Advantages of a pension plan
The tax advantage is immediate; the compound interest advantage takes time, but is much greater.
You pay less IRPF this year
Every euro you contribute stops being taxed this year at your applicable rate. In high brackets, it equates to an immediate return that no market product guarantees.
The company multiplies your capacity
The €8,500 company contribution is added to the €1,500 individual contribution. It is the way to save significant amounts again with tax relief.
You change funds without being taxed
Transfers between plans do not generate a taxable event. You can adjust the risk profile as you approach retirement without a tax toll along the way.
Illiquidity works in your favour
Not being able to withdraw it avoids the temptation to touch it. In a product whose result depends on decades, that restriction is an advantage disguised as a disadvantage.
Profile
Who it is for
Workers with a long-term horizon
The earlier you start, the less monthly effort is required to reach the same capital.
High incomes
Profiles with a high marginal rate, where the fiscal reduction of the contribution has a greater effect.
Companies and their employees
Organisations that want to take advantage of the €8,500 employer contribution as a social benefit.
Close to retirement
People who need to plan the withdrawal, where a poor decision can cost thousands of euros in IRPF.
Technical criteria
Decisions that weigh the most in the long term
In retirement, mistakes are not noticed until twenty years later, when there is no room to correct them.
Starting late
Compound interest needs time. A ten-year delay can halve the final capital with the same monthly effort.
Withdrawing everything as a lump sum
Withdrawing the entire amount in a single year spikes the marginal rate of the IRPF. Planning the withdrawal over several years usually saves tens of thousands of euros.
Inadequate risk profile for the age
Being in fixed income at thirty costs profitability; being in pure equity at sixty-four assumes a risk that there is no longer time to recover.
Ignoring the real gap
The public pension will replace a part of your last salary. Without calculating that difference, you save blindly.
Scope
What a pension plan includes
- Calculation of the gap between your estimated public pension and the level of income you need
- Individual pension plans, PPA and insured forecast plans
- Joint promotion employment plans for companies and their workers
- Adjustment of the risk profile and investment path to your time horizon
- Tax-optimised withdrawal strategy: lump sum, annuity or mixed
- Annual review of contributions and portfolio rebalancing
The definitive scope depends on the wording of each insurer. We review it with you before recommending anything.
The JORI& method
Cómo trabajamos
El mismo método en cualquier solución: entender la exposición real antes de mirar una prima.
Análisis del riesgo
Estudiamos la actividad, el patrimonio y los escenarios plausibles. Sin ese diagnóstico, comparar pólizas es comparar precios de cosas distintas.
Diseño del programa
Definimos coberturas, límites, franquicias y exclusiones aceptables. Decidimos qué se transfiere al asegurador y qué se retiene de forma consciente.
Negociación con el mercado
Presentamos el riesgo a las aseguradoras con las que trabajamos y negociamos condiciones. Somos independientes: no pertenecemos a ninguna compañía.
Acompañamiento y siniestros
Revisamos el programa cada renovación y, cuando ocurre el siniestro, actuamos como tu parte técnica frente al asegurador hasta el cobro.
Frequent doubts
Lo que más nos preguntan sobre pension plans
How much can I contribute and deduct per year?
The individual limit is €1,500 annually, extendable by an additional €8,500 through employer contributions to employment plans, with a joint cap of 30% of net earnings from work and economic activities. The contribution reduces the general taxable base, it is not a deduction from the quota.
When can I withdraw the plan?
Upon retirement and in the foreseen contingencies: disability, severe dependency and death. Additionally, there are exceptional liquidity cases due to long-term unemployment or serious illness, and the ten-year window, which allows withdrawals of contributions with that age.
How should I withdraw it to pay less tax?
The withdrawal is taxed as employment income and is added to the rest of your income for the year. Withdrawing everything at once can push you into the highest tax bracket. Generally, it is advisable to withdraw in the form of an annuity or spread the capital over several years, and coordinate it with the year you stop receiving a salary.
Does it still make sense with the €1,500 limit?
As an individual vehicle, it has lost power, yes. But the tax advantage per euro contributed remains high for middle and high incomes, and the employment plan allows for a recovery of savings capacity up to €10,000 annually through both channels. For those with a company, it is the most efficient lever remaining.
What is the difference between a pension plan and a PPA?
The PPA is an insured pension plan: same tax treatment and same illiquidity, but with an interest rate guarantee. It is the option for conservative profiles or for the last years before retirement, when it is no longer desirable to assume volatility.
What happens to my plan if I pass away?
The designated beneficiaries receive the consolidated right. It is taxed in the beneficiaries' IRPF as employment income, not in the Inheritance Tax, which in some cases is more burdensome and should be considered when planning the succession.
Pension plans
Your public pension and the savings that complement it
With your age, salary, and current savings, we estimate the pension you will receive and what monthly effort will close the gap.
- Independent broker: we do not belong to any insurer
- The specialist in the field you consulted answers you
- The review is delivered in writing, policy by policy
Insights
Ver el tema savings and retirement 
