Pension Funds

Because Pension Funds are the ultimate retirement planning products, distinguished by being autonomous assets, having lower management fees, and a highly favourable tax framework. They are currently easy to subscribe to, by both companies and individuals, allowing for contributions at any time.

By taking out the policy (Individual or Group), on a one-off basis

• Build a Retirement Top-Up;
• Build Savings to face severe life events (long-term unemployment, critical illness, permanent disability, death, etc.);
• Benefit from a solution with a transparent cost structure;
• Enjoy a highly attractive tax framework.

Individual membership of an open pension fund is carried out through the initial subscription of participation units by the Contributors to the chosen Fund, and by submitting the respective documents and the supporting evidence indicated for this purpose. All documentation is provided directly by the Managing Entity.

Occupational membership in an Open Pension Fund is executed through the initial subscription of participation units by the participating Associate(s). We support every phase of the process, from the conception, establishment, communication, and development of any pension plan. We also provide advisory services for developing communication strategies for the solution you wish to adopt.

In the event of Retirement or Death and, furthermore (regarding benefits built from the Participant's own contributions), in the event of long-term unemployment, critical illness, or Permanent Incapacity for work affecting the participant.