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Plan Individual

Loreto Óptima Individual 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.

Savings product recognised by    

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.

Net asset

Risk Indicator 

 Potentially lower performance

Potentially higher performance 

 Lower risk

Higher risk 

1 2 3 4 5 6 7

This number is indicative of the risk of the product and is calculated based on historical data that, however, may not be a reliable indication of the future risk profile. In addition, there are no guarantees that the indicated category will remain unchanged and may vary over time.

Liquidity alert

  The collection of the benefit, or the exercise of the right of redemption, is only possible in case of occurring any of the contingencies or exceptional cases of liquidity regulated in the regulations of plans and pension funds.

  The value of mobilization rights, benefits and exceptional liquidity assumptions depends on the market value of the assets of the pension fund and can cause significant losses.

Check the legal documents of the fund

Loreto Óptima

A savings product which is the ideal complement for all those wishing to maintain their standard of living after retirement. The perfect combination of the client's ability to save and our experience in asset 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 Óptima?

Protection
Protection

We manage a diversified portfolio that for years has offered positive results by increasing and protecting the savings entrusted to us. 

Experience
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
Independence

Since we are not linked to any financial group, our investments are removed from speculation and other interests. Therefore, we seek only the balance between profitability and safety.    

Profitability
Profitability

Average profitability since its inception in 2003.

Minimum costs
Minimum costs

Loreto Óptima 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 at of 31 Dec. 2018

Historical evolution of profits

Last Year

-2.70 %

3 Years

1.73 %

5 Years

1.97 %

10 Years

2.77 %

15 Years

4.22 %

From the outset

4.38 %

Unguaranteed profitability. Past performance does not ensure future profitability

Comparison of cumulative returns with the CPI

Taxation

 

Each year you can reduce the amount of contributions made to Loreto Optima up to the limit of 8,000 euros or 30% of the sum of the net income from work and economic activities from your income tax base.

In addition, if your spouse has no income from work or economic activities, or these are less than 8,000 euros per year, and is a participant in the pension plan, you can reduce the contributions you make to your favor from the general tax base, with the maximum limit of 2,500 euros per year.

The joint contribution limit for pension plans, mutual funds, insured pension plans, business social pension plans is 8,000 euros. It also includes dependency insurance with an additional limit of 5,000 euros per year.

Loreto Óptima

Equity configuration

Net asset value

Net asset

Reduction in the income tax base (I.R.P.F.)

In addition to the capital you will have available to top up your state retirement pension, you can reduce the amount contributed each year in your income statement.    

Only a maximum of €8,000 can be contributed up to a limit of 30% of the sum of the net income from work and economic activities.    

How do I join the Loreto Óptima Individual 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 on 900 844 855 or by email to info@loretomutua.com

    

 *Legal warning: colour coding 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.