Flexible Savings Plan* with more advantages than ever. 3.30% Profitability on account of current quarter1 + 0.15% bonus on new extraordinary contributions2. And now if you hire a Flexible Savings Plan, you can redeem your money without penalties during the first three years.3
*SVA System included in the Universal Plan for the Legal Profession.
1. Profitability at the end of 2023: 3.83%. Past returns do not presuppose future returns.
2. As long as you maintain your accumulated balance until the end of the year. Bonus applied to extraordinary contributions made from 3/1 to 12/31, 2024. See promotion bases.
3. Everything you contribute to your Flexible Savings Plan between March 1 and October 31, 2024, you can redeem without any penalty during the first 3 years². See promotion bases. Contributions made after December 31, 2024, may be redeemed under the usual conditions: the first year only what was contributed can be withdrawn, without profitability. From the second year onwards, 2.5% will be charged, and from the second to the third, 1%. From the end of the third year since the initial contracting of the Flexible Savings Plan, the surrender value will be the accumulated fund without any penalty.
Do you want to know if you are eligible to become a member of Mutualidad?
The Plan Ahorro Flexible is based on two fundamental advantages: the first is that you can pay in as much as you want and the second is that you can get the money back when you need it.
In this plan you can hire, in addition to the savings-retirement coverage, the coverage for Death, Permanent Disability, Temporary Professional Disability and Dependency.
In this sense, you can fully customize your Flexible Savings Plan to your personal needs, so that you will only pay for what you need.
In just a few minutes you can sign up for your Plan Ahorro Flexible through our website, with no paperwork or lengthy procedures.
If you are already a member, you can apply for this product by logging into your private area.
If you are not a member, start the process now.
We are at your disposal to answer any questions you may have about this product and its contract, do not hesitate to contact us.
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If you want to withdraw all or part of your savings before this date, you can do so right from the start.During the first year, you will be able to withdraw all the contributions made.
During the second year, the amount you can withdraw is the accumulated balance minus a penalty of 2.5% of the balance.
During the third year , this penalty will be 1%.
From the end of the third year after the initial contracting, the withdrawal value will be the accumulated balance without any penalty.
Regardless of the penalties, you will never lose your capital. You will always be able to redeem at least the capital contributed.
At the end of each quarter, each member will be informed by means of the Quarterly Report of the amount to be paid on account for the following quarter. If at the end of the year 90% of the actual return obtained is higher than the return paid on account, the difference is paid as a performance supplement to each member. The remaining 10% is earmarked for charity, mainly in favour of pensioners.
In the event that you have risk coverage in force, the cost of such coverage will be deducted from your accumulated savings balance until you decide to cancel it or until the balance is reduced to zero.
It allows you to leave an insured capital sum to the beneficiaries of your choice so that, in the event of your death, they can receive it in any way they wish: either as a capital sum or as an annuity.
With the Plan Ahorro Flexible it is not necessary to wait for retirement. You can withdraw the accumulated balance after the first month (with the corresponding penalties until the third year).
With the Plan Ahorro Flexible you can apply for permanent disability and temporary professional disability cover.
PPA Mutualidad Your pension supplement
* System included in the Plan Universal de la Abogacía
PIAS Mutualidad Save with tax benefits
* System included in the Plan Universal de la Abogacía
Plan Junior Save and protect your future
Seguro Accidentes Protect yourself in the event of an accident