Todos sabemos la dificultad de predecir el comportamiento de los mercados bursátiles, pero este 2020 será recordado por ser un año especialmente complejo. Una pandemia, el parón de la economía mundial, la recesión más profunda desde la década de los años 30, un colapso del mercado de valores mundial y ahora, nueve meses más tarde, máximos históricos para la bolsa americana y con ligeras caídas en Europa. El mantra que los gestores decimos “invertir a medio / largo plazo” cobra en estos tiempos más sentido.
As well as profitability, people who are worried about their future and want to take out a pension plan should take management fees into account.
With management fees it is very important to read the small print and not to place too much faith in a simple percentage, something that is very common when it comes to financial products offered by large banks. Although on the face of it they are very low percentages, it should be remembered that each year they have a cumulative impact on total assets.
The second quarter of the year ends and we pass the equator of 2020 with a significant recovery in the stock markets. Few expected such behaviour after the end of the first quarter, where the falls in the markets were of 30%, reaching 40% at times.
Our first words are for those who, in one way or another, have been hit by this pandemic. From Loreto Mutua we want to transfer our support and solidarity to those who are in a difficult situation. Likewise, we join those millions of applauses to thank all the effort that many groups -the airline sector among others- have made in these troubled times and that have facilitated the work of many others.
From your Mutual Society, and now more than ever, we must not forget those same values that we have in the airline sector: common effort, common benefit, professionalism, and of course, union. Courage and support to all.
The more than 700 employees of the Iberia subsidiary will be able to take out a remuneration plan that will allow them to channel their savings for retirement.
With this agreement, mutuality, which was born 50 years ago, reaches 25,000 mutualists and is consolidated as a model of success that represents mutuality, based on the relationship of trust and the commitment to the well-being of workers.
Carta de Agradecimiento de D. Jon Azua, Exvicepresidente del Gobierno Vasco
La amable invitación a participar en este merecido homenaje a Jon Aldecoa y con él, al reconocimiento del 35º Aniversario de la Ley de Entidades de Previsión Social Voluntaria, me ofrece la oportunidad de unirme al recuerdo agradecido a Jon y, con él, a quienes han hecho posible la puesta en valor de este, cada vez más necesario y actual, mundo de la Previsión Social.
Madrid, 6 November 2019. Loreto Mutua convened and organized last Thursday, October 10th in Madrid, the 1st edition of the tribute to Jon Aldecoa and the award ceremony to the entities or people that have stood out for their drive in the field of supplementary pensions. It is an event that mutuality has decided to take the step of organizing and that pretends to be a meeting place for relevant actors who have excelled for their good work in social welfare.
Loreto Mutua, mutual society of the airlines industry, closed 2018 with a return of -0.09%, a result valued positively compared to the country’s average of the pension plans, which obtained a negative -4,08%.
Loreto Mutua's individual Loreto Óptima plan, received the Expansión and AllFunds "2018 Investment Fund" award in the "Multi-Asset Conservative Profile Pension Fund" category. Loreto Óptima is a mixed fixed income plan intended for the general public. This award comes in addition to Loreto's recent awards, confirming an unstoppable upward trend, which underscores Loreto Mutua reputation as one of the best managers in the social welfare sector, ranking it among the leading mutual societies, managers and financial institutions.
Madrid, February 2018. At LORETO MUTUA as we close the books at 31 December 2017, the good news just keeps coming. Last year’s Extraordinary Contributions Campaign closed with a record €3,910,875.72. Once again you have trusted us, our management, safety, service and support. For these reasons, all of us at LORETO MUTUA want to THANK YOU.
Madrid, 5 April 2017. More and more Spaniards are starting to save sooner with a view to maintaining their standard of living after retirement. Long-term savers seeking a financial product to help them top up their future state pension, so as not to see their purchasing power reduced in what should be one of the most carefree stages of their lives.
Madrid, 16 March 2017. Loreto Mutua, an independent non-profit organisation specialising in retirement savings products and ranked among the leading institutions dedicated to social welfare in Spain in terms of assets under management, has announced that its Loreto Óptima personal plan and its Plan Asociado have obtained the maximum rating for long-term products from Morningstar, a prestigious platform and digital service which specialises in financial information on funds, recognising their high return and controlled risk.
In this period, it has achieved an average profitability of more than 3.5%
Madrid, 26 October 2016. Loreto Optima, Loreto Mutua's individual mixed fixed income plan, has positioned itself among the 5 most profitable plans of the last decade in its category, with an average annual return of 3.57%, more than double the weighted annual average for its category, which stands at 1.38%. Over the past 10 years, the capital invested in Loreto Optima has appreciated by 30.12% above inflation.
Madrid, 29 June 2016. From 19 July the company's offices will be at Paseo de la Castellana 40, 28046 Madrid, next to the Eduardo Dato bridge.
The decision on the change of site was ratified at the 2016 General Shareholders' Meeting. It stems from the growth of the company, which will now be located in the heart of one of the most important financial centres in the country.
When we speak of the volatility of a financial asset, we refer to major variations in its price.
Volatility refers to the magnitude with which assets fluctuate. An asset that is not very volatile would therefore be one whose price fluctuates by only a little. Conversely, a highly volatile asset experiences very marked rises and falls.
Over the last ten years, it has achieved an average return of 5.21%, representing a cumulative increase of 36.23% above the CPI.
Madrid, 29 April 2016. Loreto Mutua, a non-profit organisation and one of the top ten institutions dedicated to social welfare in Spain in terms of the volume of assets under management, obtained a return in 2015 of 4.18% – an average return of 5.21% and an accumulated increase of 36.23% above the CPI over the past ten years.
The institution’s assets exceeded €1.355 billion, an increase of 8.66%.
Madrid, 25 May 2015. Loreto Mutua, a non-profit organisation and one of the ten leading institutions dedicated to social welfare in Spain in terms of assets under management, recorded a return of 6.32 % in 2014, pending approval at the General Meeting to be held in Madrid on 25 June 2015.
Madrid, 10 May 2014. Loreto Mutua, a company ranked among the ten leading institutions dedicated to social welfare in Spain in terms of assets under management, has announced the launch of its new personal pension plan on the Spanish market: Loreto Óptima. A retirement savings product with an average return of more than 5% and management and custody fees of 0.6%.