REAL VIDA SUPER YIELD SERIES 10
1.963% Gross Annual Interest Rate*
*Gross rate guaranteed during the first year for subscriptions until 31 July 2026.
Invest in a product with Guaranteed Capital and Rate
Total security
Your capital and the accrued interest are fully protected and are repaid at the end of the term (8 years and 1 day), ensuring stability and confidence in your investment.
Competitive rates
Benefit from a guaranteed rate in the 1st year and, in subsequent years, from a return indexed to 12-month Euribor with defined limits.
Invest in the S&P 500 index
Access to the index of the 500 largest North American companies, with competitive advantages over the long term.
Total security
Your capital and the accrued interest are fully protected and are repaid at the end of the term (8 years and 1 day), ensuring stability and confidence in your investment.
Competitive rates
Benefit from a guaranteed rate in the 1st year and, in subsequent years, from a return indexed to 12-month Euribor with defined limits.
Invest in the S&P 500 index
Access to the index of the 500 largest North American companies, with competitive advantages over the long term.
SECURE A SUPER YIELD FOR YOUR SAVINGS
Real Vida Super Yield Series 10 is a medium and long-term capitalisation insurance that guarantees the capital invested and the interest accrued at the end of the contract. It allows you to build up or strengthen your savings through single or regular contributions, tailored to your needs and objectives.
Who is it for?
It is intended for private customers and companies wishing to invest their capital in a product with a guaranteed yield.
If you want to diversify your savings with a low-risk investment that guarantees the capital invested and the accumulated interest, this product may be the right solution for you.
How your investment works
Choose the amount
Choose the amount with which you want to start your savings. A solution that adapts to your financial goals and offers a simple and secure way to grow your money.
Top Up Your Savings
You can top up your investment whenever you wish, from as little as €25 per month. This flexibility lets you align the growth of your savings with your budget and build up your capital gradually, with no additional commitments.
Guaranteed Return
In the first year and in subsequent years, the annual rate corresponds to 70% of the monthly average of the 12-month Euribor, with a minimum of 0.25% and a maximum of 5.00%.
Safe and Stable
With capital guaranteed at maturity and a yield set annually, this product offers stability and protects your savings. It is the ideal solution for those who want to grow securely, without risk and without the need for constant decisions.
Choose the amount
Choose the amount with which you want to start your savings. A solution that adapts to your financial goals and offers a simple and secure way to grow your money.
Top Up Your Savings
You can top up your investment whenever you wish, from as little as €25 per month. This flexibility lets you align the growth of your savings with your budget and build up your capital gradually, with no additional commitments.
Guaranteed Return
In the first year and in subsequent years, the annual rate corresponds to 70% of the monthly average of the 12-month Euribor, with a minimum of 0.25% and a maximum of 5.00%.
Safe and Stable
With capital guaranteed at maturity and a yield set annually, this product offers stability and protects your savings. It is the ideal solution for those who want to grow securely, without risk and without the need for constant decisions.
Benefits of REAL VIDA SUPER YIELD SERIES 10
Guaranteed Flexibility
A flexible contribution plan that allows you to adapt your savings rate to your financial availability over time .
Secure Savings
Guarantee of the invested capital and accumulated interest, ensuring the protection of your investment and stable growth throughout the contract.
Tax Incentives
More favourable taxation and tax advantages applicable under the tax regime in force, allowing you to optimise the yield on your savings.
Simple Surrender
Possibility of surrender without penalties from year 5 and 1 day, offering flexibility when you need to access your capital.
Guaranteed Capital
The Guaranteed Capital corresponds to the amounts invested less any charges and partial surrenders, plus accumulated income at the successive guaranteed gross annual interest rates.
Family Security
In the event of death, the remaining capital is paid to the designated beneficiaries or, in their absence, to the legal heirs.
Payment Plan
You can make contributions with the following frequencies and minimum/maximum limits:
Single Lump-Sum Payments: Minimum amount of €1,000 and a maximum amount of €500,000.
Supplementary Contributions: Monthly amounts from €500, up to a maximum of €100,000.
Regular Monthly Contributions: minimum amount of €25 and maximum of €10,000.
Regular Annual Contributions: minimum amount of €250 and maximum amount of €120,000.
Tax Incentives
Private Customers
The income received on surrender or maturity will be taxed under personal income tax (IRS) at an effective rate of:
28% up to the 5th year;
22.4% between the 5th and 8th year;
11.2% after the 8th year.
Provided that 35% of the premiums are paid in the first half of the contract. In the Autonomous Region of the Azores, a 20% reduction applies to the respective tax rates, bringing them to 22.4%, 17.92% and 8.96% respectively.
Reading the legally required pre-contractual and contractual information is essential.