Savings product, ideal complement for all those who want to maintain their standard of living after retirement. A perfect combination between the client’s ability to save and our experience in assets management. With small monthly contributions, in addition to saving for the future, you will also get your wealth to grow as. Since 2017, the Associated Plan of Loreto Mutua has been integrated to all effects in Loreto Optima to improve its management.
Loreto Optima Personal Plan
Maximum profitability, and a management fee reduced to 0.3%
Custody fee 0.1%
The investment strategy of the Fund is framed within the category of Individual Pension Funds of mixed fixed income. For simplicity, the Fund’s investments are divided into 3 asset classes: Treasury, fixed income (RF) and variable income (RV). The percentages in RF and RV, which may vary allowing an adequate management of the portfolio, will have a maximum range between 0% and 100% for RF and 0% to 30% for RV.
The net asset
Check the legal documentation of the fund
You can consult the applicable Internal Code of Conduct at www.loretoinversiones.com since the asset management of the Pension Fund is delegated to Loreto Inversiones SGIIC, SAU (NIF: A88022199), an entity of the Loreto Mutua group
A savings product which is the ideal complement for all those who want to maintain their standard of living after retirement. The perfect combination of the client’s ability to save and our experience in equity management. With small monthly contributions you will also get your equity to grow, in addition to saving for the future.
Why choose Loreto Optima?
Among the 3 most profitable plans in the last 15 years according to Inverco
Loreto Optima has a management fee of 0.3% and a deposit of 0.1%, values well below the Spanish market average or the legal maximum allowed.
DATA AS OF 31 DEC. 2019
Historical evolution of profits
Unguaranteed profitability. Past performance does not ensure future profitability
Comparison of accumulated returns with the CPI
Every year you can reduce the contributions made to Loreto Optima from your personal income tax base by the lesser of these amounts: up to 2,000 euros, or 30% of the sum of the net income from work and economic activities.
In addition, if your spouse has no income from work or economic activities, or it is less than 8,000 euros per year, and is a participant in the pension plan, you can reduce the contributions you make in their favour from the general tax base, with the maximum limit of 1,000 euros per year.
The joint and individual contribution total limit for pension plans, mutual societies, insured pension plans, business social security plans is 2,000 euros. In employment systems (occupational pension plans, mutual benefit societies or business social security plans, this limit can be increased up to 8,000 euros more for business contributions).
Long-term care insurance has an additional limit of 5,000 euros per year
Net asset value
The net asset
Reduction in the income tax base (I.R.P.F.)
In addition to the capital that you will have available to complete your public retirement, you will be able to reduce the amount contributed each year from your income statement.
We remind you that you can only reduce your tax base by a maximum of € 2,000, with a limit of 30% of the sum of net income from work and economic activities. And 8,000 euros more as long as they come from business contributions.
How do I join the Individual Loreto Optima Pension Plan?
Membership of the Individual Pension Plan can be requested by filling in the corresponding Membership Application, which you can download below in the forms section.
If you wish to transfer the consolidated rights of another plan which you already have, we will take care of all the formalities.
SEND THE ORIGINAL APPLICATION FORM BY POST
OTHER RELEVANT DOCUMENTATION
*Legal warning: traffic lights for financial products
To guarantee your protection, from 5 February 2016, companies must offer a series of risk and complexity indicators for each of their products. At Loreto Mutua, we are at your disposal for any additional information you need.