Savings and Investment

Savings and Investment
  • Depósito Tesorería Empresas

Find out about the investment choices Bankia has thought of for you

We are committed to offering small businesses and the self-employed like you the best ways to get a good return on your investments

 

  • You are not alone. We place our team of experts at your disposal to assess you whenever you need.
  • A wide range of products adapted to the needs of investors.
  • You can keep your money in euros or foreign currencies, diversifying your funds internationally.
  • A guaranteed return on your funds, together with advantageous tax arrangements.

We place at your disposal different types of financing for your company or business

  • Term deposit

    Term deposits

    In euros or foreign currencies, depending on your needs and with a guaranteed return.

  • Pension plans

    Pension plans

    We know how important it is for you and your employees to have the peace of mind that your retirement is taken care of.

  • Investment funds

    Investment funds

    We offer you a wide range of investment funds so that you can choose the one which best meets your needs.

Indicex

Bankia Índicex analyses the digital competitiveness of your business and improves your commercial strategy

  • What are the tax advantages of contributing to pension plans?

    A pension plan can offer significant savings on tax payments. which will be greater the higher the income of the participant.

    This saving is because the amount of the pension plan contributions is deducted from the general personal income tax assessment basis, as long as you obtain earned income from work or economic activities. The annual contribution limit is 8,000 euros and the tax deduction limit is the lesser of the following amounts: the amount paid in or 30% of your net earnings from work and economic activities received during the financial year. Additionally, if your spouse does not receive earnings from work or economic activities or earns less than 8,000 euros a year, you will be able to deduct from your general personal income tax assessment basis the contributions to pension plans of which your spouse is the titleholder up to a maximum of 2,500 euros a year.

    Once you begin to receive payments from your pension plan, the amounts you receive (benefits) are considered as earned income for tax purposes and the shareholder/taxpayer must declare them on their income tax return. Given that the way of receiving payments is flexible, it is important that you take advice on that which is most beneficial for tax purposes.

    In the event of the death of the titleholder of a pension plan, the beneficiaries will pay tax on the amounts received as earned income on their personal income tax statement. They are not subject to Inheritance and Gift Tax.

    This information is in accordance with the current legislation and may be modified in the future.

  • Open (Fund):

    A type of pension fund characterised by being able to channel the investments of other pension funds. For its constitution it does not require an initial minimum capital for its correct financial development.

  • Business contributions:

    These are financial contributions made by the promoter of a workplace system pension plan

  • Contributions:

    They are the financial contributions that will be made by the promoter and/or participants, in the cases and ways that, in accordance with the current regulations, are established in the respective pension plan.