Best-selling pension plans

Pension plan of the Individual System comprehensive deep down of BBVA pensions MULTIMULTIACTIVO MODERADO, F.P.

The Pension Fund will invest, either directly or indirectly through CIIs, between 20% and 60% of its capital in Equities, depending on the expectations of the management team. The rest of the portfolio will be invested in public and private fixed income funds.

Suitable for people with moderate/low aversion to risk and preferably with a distant retirement horizon.

Pension plan of the Individual System comprehensive deep down of BBVA pensions DECIDED MULTIASSET, F.P.

The Pension Fund will invest, either direct or indirectly through CIIs, between 50% and 90% of its capital in Equities, depending on the expectations of the management team. The rest of the portfolio will be invested in public and private fixed income funds.

Suitable for people with low aversion to risk and preferably with a distant retirement horizon.

Individual Pension Plan with Active Management, with an investment horizon in 2025. That is, the plan invests a part of the capital in equity assets and the rest in fixed-income assets. Moreover, as the established horizon (2025) draws closer, its risk level will progressively evolve towards a more conservative profile, in which security takes priority over return. The investment in currencies other than the euro may reach 100% of the total. The currency risk associated with the investment in international fixed-income and equity markets will be actively managed, potentially being covered in its entirety.

Intended for customers with a high risk profile with a retirement horizon close to 2025.

Individual Pension Plan with Active Management, with an investment horizon in 2040. That is, the plan invests a part of the capital in equity assets and the rest in fixed-income assets. Moreover, as the established horizon (2040) draws closer, its risk level will progressively evolve towards a more conservative profile, in which security takes priority over return. The investment in currencies other than the euro may reach 100% of the total. The currency risk associated with the investment in international fixed-income and equity markets will be actively managed, potentially being covered in its entirety.

Intended for customers with a high risk profile with a retirement horizon close to 2040.

Individual System Pension Plan integrated in the Equity pension fund of BBVA TELECOMUNICACIONES, P.F.

Equitities fund that mainly invests in companies from global technology and telecommunications sectors. The portfolio of the fund may be invested in securities denominated in currencies other than the euro.

Suitable for people with an aggressive investment profile and preferably with a distant retirement horizon.

Individual Pension Plan with Active Management, with an investment horizon in 2030. That is, the plan invests a part of the capital in equity assets and the rest in fixed-income assets. Moreover, as the established horizon (2030) draws closer, its risk level will progressively evolve towards a more conservative profile, in which security takes priority over return. The investment in currencies other than the euro may reach 100% of the total. The currency risk associated with the investment in international fixed-income and equity markets will be actively managed, potentially being covered in its entirety.

Intended for customers with a high risk profile with a retirement horizon close to 2030.

Individual System Pension Plan integrated into the guaranteed pension fund BBVA TREINTA Y SIETE, F.P.

Active management of the portfolio that adapts to market prospects and the course of time until the maturity of the guarantee.

Guarantee of 100% of all the contributions that you make and the revaluations that the Plan presents every quarter, according to a guarantee external to the Plan granted by BBVA.

Designed for customers with a high risk aversion, who seek to preserve their contributions to the Plan and who have a retirement horizon close to 2030.

Individual System Pension Plan integrated into the guaranteed pension fund BBVA CUARENTA Y UNO F.P.

Active management of the portfolio that adapts to market prospects and the course of time until the maturity of the guarantee. Guarantee of 100% of all the contributions that you make and the revaluations that the Plan presents every quarter, according to a guarantee external to the Plan granted by BBVA.

Intended for customers with aversion to risk who seek at all times the preservation of their contributions to the Plan and who have a retirement horizon close to 2035.

Pension Plan of the Individual System integrated into the pension fund BBVA CUARENTA Y OCHO, F.P.

The goal of the Fund will be to maximize the yield/risk ratio through active management of the Fund's assets, subject to the non-guaranteed target of recovery of the participant's initial investment at the end of the established investment horizon on 12/31/2025.

Suitable for people with a retirement horizon close to 2025.

Individual System Pension Plan integrated into the Renta Variable Mixta BBVA 30, F.P. pension fund.

A fund with an average international Equity investment of 60%, ranging between 30% and 75% based on market forecasts. The rest of the portfolio is invested in public and private fixed income securities, with an average duration in the portfolio of between 2 and 4 years, based on interest rate forecasts.

Suitable for people with a low risk aversion ranging from approximately 30 to 40 years old.

A Pension Plan from the Individual System integrated into the pension fund BBVA CIENTO CATORCE, F.P. Investment is in public and private Fixed-Income assets from issuers dedicated to the eurozone. The investment policy and the portfolio structure are conditional on the achievement of the specific target of the fund: achieve a minimum net asset value on May 1, 2026 that represents an appreciation of 7.191% (APR: 0.75%) over the net asset value from 01/16/2017.

All types of investors, especially those with an average level of long-term savings capacity and who have their retirement horizon close to May 2026.

Individual pension plan integrated into the UNNIM T12, F.P. Guaranteed Pension Plan

Investments are made in fixed-income assets denominated in euros by both public and private issuers. The investment policy and the structure of the portfolio depend on whether a specific objective of the fund has been achieved: reach at least a net asset value on January 31, 2022 representing a 40% gain (APR: 2.726%) of the share's net asset value on August 1, 2009.

All kinds of people, especially those with a medium long-term saving capacity and a retirement horizon around January 2022.

Individual pension plan integrated into the UNNIM T7, F.P. Guaranteed Pension Fund.

Investments are made in fixed-income assets denominated in euros by both public and private issuers. The investment policy and the structure of the portfolio depend on whether a specific objective of the fund has been achieved: reach at least a net asset value on January 31, 2022 representing a 40% gain (APR: 2.967%) on the share's net asset value on August 2, 2010.

All types of people, especially those with a medium long-term saving capacity who have a retirement horizon close to January 2022.

This fund's investment policy is based on achieving the minimum returns guaranteed to the participant, by means of an external letter of guarantee, for a determined period. It is oriented towards investors who value positive and stable returns, but who cannot tolerate risk and who want their capital to be insured. The value of the external guarantee therefore consists of supplementing the amount of the consolidated rights as valued on 02/03/2020 with the difference resulting between this amount and the one obtained by applying the above-mentioned revaluation to the consolidated rights from 02/01/2010. In other words, the guarantee consists of insuring 100% of the guaranteed capital plus the following returns: 15% of the returns at the end of the revaluation period, or an additional 15% if the condition described in the letter of guarantee letter is fulfilled.

All types of people, especially those with a medium level of long-term savings capacities and who have a long-term expected retirement date.

A Pension Plan from the Individual System, integrated into the guaranteed pension fund BBVA CIENTO DIECISEIS, F.P. The profitability objective of this fund is achieving that the net asset value of the share to the maturity date of the guarantee, 06/15/2026, be equal to 100% of the net asset value of the share the day 03/31/2017 (VLI) incremented, in the event that it is positive, for 50% of the revaluation of the index IBEX 35 ® calculated on your Initial Net asset value.

Suitable for people with a retirement horizon close to 2026.