Bankia Pensiones S.A., E.G.F.P.
Contributions will be made directly by shareholders and those made by other people or organisations are not allowed. However, in payment, brokerage by a third party accredited with the Fund Depository Institution as being duly authorised by the shareholder to make the payment will be allowed.
Contributions in favor of disabled people are exempt from the above provision in accordance with the Specifications.
If the chosen frequency is monthly, the minimum contribution will be 30 euros. If it is less frequently than monthly, the minimum contribution will be a whole multiple of that sum corresponding to the months in 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.
Shareholders and beneficiaries may mobilize for this pension plan consolidated and economic rights from any other pension plans they hold managed by other management institutions.
In the same way, you will be able to mobilize all or part of your consolidated and economic rights to any of the individual plans managed by Bankia Pensiones.
Management and Deposit commission
1.25 | 0.19
It is necessary to distinguish between the time of the contributions and the benefits:
The total amount of the contribution reduces the general part of the basis of assessment of the I.R.P.F. to the lesser of the following amounts: 8,000 euros a year or the 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 made contributions to pension plans which the above-mentioned spouse is shareholder, with the annual maximum limit of 2,500 euros.
Contributions made by disabled people: 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 the 65 %, mental equal to or more than the 33 %, as well as in the event of legally declared disability, regardless of its degree), the spouse, people that they have with the same one a kinship in a straight line or collateral 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 established reductions may not lead to a negative taxable sum.
Tax will be paid as on income from work.
a) In the shape of capital:
They do not originate reduction.
Temporary arrangement: for provisions deriving from contingencies occurring before 01/01/2007 and those occurring after 01/01/2007 for the part corresponding to contributions before 31/12/2006, beneficiaries may apply the reduction established in art. 17 of the Income Tax Act applicable on 31/12/2006. With general character, if the provision is received in the shape of capital a reduction of the 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 2015 the application of the aforementioned transitional arrangement is limited (reduction of the 40 % for the made part of contributions until 31/12/06) to perceived provisions in the exercise in which happens the corresponding contingency, or in the two following exercises
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 exercises 2011 to 2014: the transitional arrangement will just be able to be from application to the provisions received until the completion of the eighth exercise next on that in which took place the contingency.
• Contingencies happened in the exercises 2010 or previous: the transitional arrangement will be applicable just with regard to 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.
Fixed-income Short Term.