[F12] Individuals - Savings and investment insurance

Savings and investment insurance

Plan your future from the present

Savings insurances allow you to build funds for your future and receive a return immediately. This savings method has a very low risk and provides significant tax reliefs. VidaCaixa cares as much as you do about your future. We offer products that will fatten up your piggy bank easily, conveniently and simply. Plan and turn your savings into an income that can change your future and that of your loved ones. 

[F17] Navegacion - Seguros de ahorro

[F23][Productos] Savings insurance

KEY PRODUCTS

Learn about our savings insurances

Valor Futuro 10, Unit Linked

  • Plan your savings for your retirement in a constant way that will supplement your income, so you won’t have to worry about the future.

  • Leave the management of your investment to our experts. From €50 a month, you can invest in portfolios that are overweight in equity, the asset with highest growth in the long run.

  • Choose from three investment portfolios with different fees and fixed-income and equity combinations. Your choice will depend on your needs and goals.

  • Guaranteed funds in the event of a disability or death during the first 10 years or until you turn 67.

[F23][Productos] Savings insurance Duplicate 4

PRODUCTS TO ENJOY YOUR RETIREMENT

Valor Activo Unit Linked

  • Plan the transfer of your wealth and continue to invest your savings with the guarantee of receiving the funds in the event of death during the first 10 years or until you turn 95.

  • Cover your needs at each stage and transfer your assets with a Unit-Linked life insurance. You can appoint one or more beneficiaries to withdraw the funds before settling the estate for them to have cash and be able to pay the inheritance tax and other expenses.

  • Move your entire investment to another portfolio at any time to suit your risk profile

Life annuity

Imagine an insurance where you get a monthly income for life. VidaCaixa makes it real! Diversify your savings, insure all or part of the funds for your loved ones, increase the monthly income if you wish and contract more than one holder. With a minimum amount of €20,000, enjoy the peace of mind this income brings.

[F18] Benefits - Savings insurance

Benefits

Benefits of our savings and investment insurances

The habit of saving up

With VidaCaixa you can save up systematically. Regular deposits will help you create a habit and reduce the effort in the long run.

A regular income for life

Turn your savings into a life annuity with a monthly income that will supplement your retirement pension or cover your needs if your income drops. All the returns will be tax-free when you take the funds.

Tax benefits

Savings insurances have tax reliefs, including tax exemption if you don’t take the funds saved before the first five years.

[Texto SEO] Preguntas Frecuentes - Preguntas frecuentes sobre seguros de inversión y ahorro



FAQs

Frequently asked questions about investment and savings insurances

If you have any doubts and don’t know which product to choose, don’t worry, we tell you everything you need to know about our life savings and investment insurances to plan your future and that of your loved ones. Check our FAQs for more information.


Asset Publisher


  • ¿Por qué contratar un seguro de ahorro y en qué me beneficia?

    • Si quieres un complemento a tu jubilación o ver un crecimiento en tu cuenta de ahorro, los seguros de inversión o ahorro son tu mejor opción. Se realizan a través de un seguro de vida con el que podrás cobrar en caso de fallecimiento y además, cuentan con ventajas fiscales, te garantizan la obtención de un interés y siempre podrás recuperar tu dinero cuando quieras.

  • ¿Cómo funciona un seguro de inversión?

    • Un seguro de ahorro o inversión es un producto financiero con el que poder sacar partido a nuestro dinero. Están destinados a un perfil más conservador por su bajo riesgo, aunque también conllevan una rentabilidad limitada. Aún así, en los últimos años han surgido los Planes de Individuales de Ahorro Sistemático (PIAS) y los Unit Linked, que cuentan con ventajas fiscales en las ganancias que se obtienen y la opción en algunos casos de realizar aportaciones periódicas con un tope. 

  • ¿Cuáles son los mejores seguros de ahorro?

    • Entre nuestros productos encontrarás distintos tipos de seguros de ahorro. Cada uno tiene una fórmula diferente pero todos ellos se realizan a través de un seguro de vida, con el que poder cobrar el ahorro y los intereses por parte de los beneficiarios en caso de fallecimiento.

  • ¿Qué son los seguros de vida con ahorro?

    • ¡Son el mejor instrumento para el ahorro! Los seguros de vida ahorro permiten generar un capital para el futuro y cobrar una renta de manera inmediata. El riesgo de este método es muy bajo y cuenta con ventajas fiscales. Los seguros de inversión permiten contar al asegurado con un complemento para la pensión.