Loreto Optima Personal Plan

Maximum profitability, and a management fee reduced to 0.3%
Custody fee 0.1%

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.

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

Risk Indicator

Potentially lower performance
Lower Risk
Potentially Higher Performance
Higher Risk

Liquidity alert

Check the legal documentation of the fund

Regulations

Product Fact Sheet

Operating rules of Fondloreto Pensiones

Principles of the investment policy

Internal Code of Conduct

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

Loreto Optima

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.

Loreto Mutua

Why choose Loreto Optima?

Protection

We manage a diversified portfolio that for years has offered positive results by increasing and protecting the savings of those who trust us.

Experience

More than 48 years managing financial savings products for retirement. A period in which we have paid out more than €1.3 billion in pensions.

Independence

By not being linked to any financial group, investments are removed from speculation and other interests. Therefore, we only look for the balance between profitability and welfare.

Profitability

Among the 3 most profitable plans in the last 15 years according to Inverco

Minimum Costs

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

Last year
4.14%
3 years
1.66%
5 years
2.10%
10 years
2.80%
15 years
3.89%
From the outset
4.36%

Unguaranteed profitability. Past performance does not ensure future profitability

Comparison of accumulated returns with the CPI

Taxation

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

Loreto optima

Equity configuration

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.

I would like to know more

If you are interested and want to know more about this plan, do not hesitate to contact us at 900 844 855 or by email to info@loretomutua.com

SEND THE ORIGINAL APPLICATION FORM BY POST

Forms

OTHER RELEVANT DOCUMENTATION

Quarterly Information

*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.