Risk level

1/6 This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.

Liquidity Alerts

The reimbursement, redemption, or early return of part or all of the invested principal is subject to fees or penalties.

Flexible Savings Plan

Save Today for Your Dreams of Tomorrow

Having a clear goal is the first step to achieving your dreams. With the Flexible Savings Plan, you can save with benefits such as:

High profitability of 3.50%, with no penalties if you decide to withdraw your money.
Contributions starting at just €60 and the option to customize the plan with additional coverage, such as Death and Disability.
Flexibility: Pay only for what you need, combining security and adapting to your goals.

Take out the plan

Excellent Profitability

3.50% Account Yield for the Current Quarter*

Past returns do not guarantee future performance. Yield at the close of 2023: 3.83%

Do you want to know if you are eligible to become a member of Mutualidad?

Who can be a member of Mutualidad?

Features

Contributions

With this plan, you’re in control! There are no limits: you decide how much and when to contribute to grow your savings. Tailor your personal savings plan to your needs and goals.

Always Available

Access your savings from the very beginning. At the end of the term, you can choose to receive your savings as a lump sum, as a financial annuity, or even as a lifetime annuity.

Flexibility

You can access your savings whenever you need them, and in the event of your absence, your beneficiaries will receive the capital quickly, ensuring immediate support when it’s needed the most.

Coverages

Included coverages Optional coverages

Savings-Retirement Coverage

At the end of the savings coverage term, you are guaranteed the total amount of all the contributions you have made.

Death Coverage

The basic benefit will be the accumulated account value plus 10% if the policyholder is under 65 years old, or 1.1% from that age onward, with a maximum of €10,000.

Permanent Disability

If you are ever unable to work due to a physical or psychological condition, this coverage ensures a lifetime monthly income to provide peace of mind. Additionally, you can also choose to receive an additional lump sum.

Self-Employed

For self-employed professionals, situations such as illness, accident, maternity, or paternity may require a work pause, which can be worrisome. This coverage ensures a daily compensation payment during the interruption, providing peace of mind during critical moments.

Additional Death Capital

This additional death capital coverage allows you to secure up to €300,000 for the beneficiaries of your choice. If needed, they can receive this amount as a lump sum or as an annuity, depending on their needs and preferences.

A savings plan that adapts to you and your future plans

Our Flexible Savings Plan gives you complete freedom to contribute whatever you want, whenever you want, with no hassle. Plus, you can access your money whenever you need it.

This plan is more than just a savings insurance; it includes capital guarantees at retirement and coverages like Temporary Disability or Dependency, among others, making it as unique as you are.

Additionally, you decide what you need and only pay for that. Protect what matters most to you by tailoring the plan to your dreams and goals. It’s one more step toward securing your future and that of your loved ones, without complications.

Documentation extra

Product Sheet

Regulations

Preliminary Information Note

What do I need to do to sign up?

Do you want to save for your dreams, whether it’s a trip, your own home, or a new project? With our Flexible Savings Plan, you can get started in just minutes and without paperwork.

If you’re already a member, sign up easily through your private area.

Not a member yet? Start here and take the first step toward your goal.

Take the policy out now

Do you need clarification
on what a lifetime annuity is?

We are here to help with any questions you may have about this insurance for the self-employed and its enrollment. Don’t hesitate to get in touch with us.

#YesISave

Your Good Habits Will Help You Save!

Introducing Micro-Savings, a simple and effective tool to save through small actions. This tool is available for free to all members who have subscribed to the Flexible Savings Plan.

We’ll explain everything so you too can say #YesISave!

Why Trust Mutualidad?

Our purpose is to improve the lives of our members and build a fairer and more inclusive society together.
We believe in sustainability, trust, transparency, and inclusion as the pillars to achieve this. We know that change is constant, which is why we adapt our products to the new times.

More than a financial entity, we are a social engine that invests in collective well-being.

Here, your savings grow in good hands, with a shared purpose.

Profitability

4,29%

Average profitability over the last 10 years: 3.83% as of the end of 2023. Past performance does not guarantee future results.

Stability

10.209

Millions of euros in savings managed.

Trust

210.886

People trust Mutualidad.

Frequently Asked Questions

We’ll explain it simply. You need to belong to one of the following groups:

Legal Professionals: Lawyers, judges, prosecutors, magistrates, notaries, and other professionals related to the legal field.
Engineering Professionals: If you’re an engineer, you can also join.
Family Members of Members: If you have a family member who is already a member, you can join too.
Professional Societies: Companies or firms linked to law or engineering.
Other Professions Related to Law: Those working in fields related to the legal sector.

If you meet any of these criteria, you can become a member!

Mutualism is more than just an association; it’s a way to share values and work together to improve the present and future for members and their families.

To ensure the enrollment in the Flexible Savings Plan is quick and hassle-free, you’ll need the following documentation based on your profile:

Bank account ownership document.
If you are a legal professional: Certificate with your name and date of bar association membership.
If you are a final-year law student: University certificate or proof of current enrollment.
If you are a family member of a member: Family record book.
If you work in the legal sector: Document certifying your employment relationship.
If it is a Flexible Compensation Plan (PRP): Document verifying the source of the funds.

The Flexible Savings Plan allows you to complement your financial planning with additional coverages that ensure complete protection:

Permanent Disability.
Professional Temporary Disability.

These coverages are designed to support you in the event of unforeseen circumstances that may affect your professional performance and financial stability.

If you decide to withdraw all or part of your savings, you can do so from the very beginning, although the conditions vary depending on the time elapsed since enrollment:

During the first year: Only the amount contributed can be withdrawn, without profitability.
From the second year: A 2.5% fee will be charged.
From the second to the third year: A 1% fee applies.
After the third year from the initial enrollment in the Flexible Savings Plan, the redemption value will be the accumulated fund with no penalties.

The most important thing is that, regardless of penalties, you will never lose your initial capital. This means that even if you withdraw your savings early, you will always be able to recover at least the full amount you have contributed.

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PPA Mutualidad

Your pension supplement

Tax benefits
High returns
In addition to savings cover, you can also take out Death or Permanent Disability cover
Receipt of the benefit in the form of income, capital or a combination of the two
You can transfer your savings to the Plan de Previsión of Mutualidad de la Abogacía

* System included in the Plan Universal de la Abogacía

PIAS Mutualidad

Save with tax benefits

High profitability
Income exempt from taxation
You decide the amount of contributions, regular and/or extraordinary, up to the maximum allowed (contributions not exceeding €8,000 per year and €240,000 for the whole Plan.
Benefit in the form of an life annuity
You can mobilise to and from other PIAS

* System included in the Plan Universal de la Abogacía

Plan Junior

Save and protect your future

Savings and protection for the youngest members of the household
With the excellent returns of Mutualidad de la Abogacía
So that they can fulfil their dreams without anything holding them back
Withdrawals possible after the first year
No commissions and minimum charges

Seguro Accidentes

Protect yourself in the event of an accident

Guarantees you a pay-out in the event of death or disability due to an accident
Very economical, from €10.59/month
Payment can be collected in the form of capital or income.
Optional road accident cover
Different levels of compensation at your choice

Flexible Savings Plan* with more benefits than ever. 3.50% account yield for the current quarter¹ annual gross rate. And now, if you sign up for a Flexible Savings Plan, you can withdraw your money without penalties during the first three years.

The SVA system is included in the Universal Legal Professionals’ Plan.

¹ Yield at the close of 2023: 3.83%. Past performance does not guarantee future results.