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Loreto Empresas

The perfect employment plan for your company

Loreto Mutua places its experience in long-term capital management at the service of companies through its employment system pension plan. A social benefit, in the form of a financial solution, for companies that care about their staff. Every day there are more companies that assume this responsibility and actively participate in saving for their employees, and indirectly in the sustainability of a pension system.

Check the legal documentation of the fund


  Involvement Policy

  General Information Sheet

  Operating rules of Fondloreto Empleo

  Principles of the investment policy

  Internal Code of Conduct

You can consult the applicable Internal Code of Conduct at since the asset management of the Pension Fund is delegated to Loreto Inversiones SGIIC, SAU (NIF: A88022199), an entity of the Loreto Mutua group

Results 2022

Loreto Óptima
Loreto Empresas
Short Term Fixed Income
Long Term Fixed Income
Fixed Mixed Income
Equities Mixed
Employment System
Associated System

Data as of Dec 31, 2022 and past returns do not guarantee future returns.

Product portfolio

Data as of Dec 31, 2022

No Data Found

9 reasons to contract Loreto Empresas

More motivated staff

The contributions made by companies are understood as a social benefit that is highly valued by employees, which encourages their involvement and loyalty, and differentiates you from other companies when it comes to attracting talent.

Tax advantage with regard to income tax (IRPF)

The worker may reduce the contributions made by the company and him/herself in their personal income tax return vis-à-vis the tax base.

For all types of companies

A savings product that can benefit each and every company, regardless of their size or turnover.

Lower management costs

Our management expenses are up to 4 times lower than those workers would take on when contracting an individual pension plan in a bank.


In the last decade, all of our products achieve positive returns, due to our prudent and efficient management.

Minimal administrative burden

Specialist individual assistance with hiring contracting and daily administration of the plan, as well as personalised advice.

Specialist social welfare team

Unlike other companies, our team work exclusively with the management of assets and investments within the field of social welfare.


We are not linked to any financial group, therefore we are not exposed to speculation and interests linked to income statements. Our investments have the sole objective of achieving the best and safest benefits for our members.

More than 50 years of experience

We are among the top leading social welfare companies in Spain, overseeing the retirement of more than 30,000 people and fulfilling our aim to give the highest return with the lowest possible risk.

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

Do you have any questions about our pension plans? In our Frequently Asked Questions section we solve the most common