Bankia Pensiones S.A., E.G.F.P.
The contributions will be made directly by shareholders, not resulting admissible contributions made by other people or companies. Nonetheless, will result admissible the mere payment mediation by a third party, that it will have prove before the Fund Management company duly be authorised by the shareholder to make the deposit.
Are excepted of the previous thing the contributions in favour of people disabled women in accordance with it considered in the Specifications.
If the chosen frequency is monthly, the minimum contribution will be 10 euros. If is higher than the month, the minimum contribution will be the entire multiple of that amount, corresponding to months of the period.
At all times the shareholder will be able to carry out complementary contributions to those which periodically avenges carrying out, for amounts no lower than the monthly minimum.
Incapacity to work of the shareholder, total and permanent for the usual profession, or absolute and permanent for all work and the severe disability.
Death of the shareholder or payee, that it can generate right to provisions of widowhood, orphanhood or in favour of other heirs or designated persons.
Severe or high dependency dependence of the shareholder.
EXCEPTIONAL supposition DE LIQUIDITY: Long-term unemployment; Severe illness and Contributions with longevity higher than 10 years.
Transfers between plans
The shareholders and payees will be able to mobilise to this pension plan the consolidated rights and economic, respectively, of whatever other pension plans in which held such condition and they were managed by other Managing Entities.
In the same way, will be able to mobilise the entirety or part of its consolidated rights and economic, to any of the individual plans managed by Bankia Pensiones.
Management and Deposit commission
1.30 | 0.17
Is precise to distinguish between the moment of the contributions and the provisions:
Investment: The total amount of the contribution reduces the general part of the basis of assessment of the I.R.P.F. until the minor of following amounts: 8,000 euros a year or 30% of the sum of net yields of the work and of perceived economic activities during the financial year.
The contributor whose spouse does not obtain payable incomes in the general part of the basis of assessment or it obtains them in amount lower than 8,000 euros a year will be able to reduce in the basis of assessment the contributions carried out to pension plans which is the above-mentioned shareholder spouse, with the annual maximum limit of 2,500 euros.
Contributions made by people disabled women: maximum reduction 24,250 euros a year. They will be able to make contributions a Pension Plan from a disabled man, (physical or sensory degree of disability equal to or more than 65%, mental equal to or more than 33%, as well as in the event of legally declared disability, regardless of its degree), the spouse, the people that they have with the same one a kinship in a straight line or secondary until third degree inclusive, or who have him in guardianship or fostering regime, with a maximum of reduction of 10,000 euros a year. The application of the planned reductions will not be able to originate a negative tax basis.
Benefits: They pay taxes such as earned incomes.
a) In the shape of capital:
They do not originate reduction.
Transitional arrangement: for the provisions derived from contingencies happened before 01/01/2007 and the happened later than 01/01/2007, for the part corresponding to contributions prior to 31/12/2006, the payees will be able to apply the reduction considered in the article 17 of the Act of the PERSONAL INCOME TAX in force to 31/12/2006. With general character, if the provision is received in the shape of capital a reduction of 40% will be applied on the consolidated right if the first contribution has a longevity of 2 years at least since was completed to date of the contingency.
From 1 January of 2015 the application of the aforementioned transitional arrangement is limited (reduction of 40% for the part of contributions carried out until 31/12/06) to perceived provisions in the financial year in which happens the corresponding contingency, or in the two following financial years
For those plans that they have not yet been rescued whose contingencies have already happened, the limit will be the next
Contingencies happened in the financial years 2011 to 2014: the transitional arrangement will just be able to be from application to the provisions received until the completion of the eighth financial year next on that in which took place the contingency.
Contingencies happened in the financial years 2010 or previous: the transitional arrangement will be applicable just with regard to the perceived provisions until 31 of December 2018.
b) In the shape of income:
They do not originate reduction.
Exemption up to a maximum of 3 times the PUBLIC INDICATOR OF MULTIPLE EFFECT INCOME in the event of disabled people
Type of Guarantee
This pension plan is not guaranteed.
Mixed Fixed Income