We have come to you speaking that, usually, is the end of year the moment more strongly in the contributions realized to the pension plans, since the investor tries to fit his fiscal invoice of the following year, in order to which this is the possible minor. The pension plan is, fiscally, the best possible option to obtain this reduction.
WHAT IS A PENSION PLAN?
It is a contract signed by the thifty person in which this one promises to realize a series of contributions that the pension plan will be in charge of investing across a pension fund. This way, every employed pension plan will be associated with only one pension fund. The difference between every plan rests precisely on the assets in which he invests the fund with which it is associated. And the fact is that this money that the investor contributes is invested in different assets that can be both of fixed revenue and of variable revenue.
CLASSES OF PENSION PLANS
The first important classification arises from these assets in which he invests the pension fund, so much according to the term as in according to the class of assets:
- Fixed revenue in Short Term
They invest in assets of fixed revenue and the average duration of the portfolio is always below 2 years.
- Fixed revenue in Long Term
As the previous one, invests in assets of fixed revenue and the duration of the portfolio is over 2 years.
- Mixed Fixed revenue
They include assets of variable revenue, whenever these suppose less than 30 % of the entire value of the portfolio.
- Mixed Variable revenue
There are plans that they invest between 30 % and 75 % of the whole of his portfolio in assets of variable revenue.
- Variable revenue
They invest at least 75 % of the whole of his portfolio in variable revenue.
- Guaranteed
There are funds that incorporate a new insurance and give a prearranged yield.
On the other hand, we can classify also the pension plans according to the one who does the contributions, so that we can find plans of individual system when there is the proper thifty person the one that realizes the contributions, plans of the system of employment in which the company does the contribution addressed to his worker, and system plans associated with certain groups, like lawyers, doctors, etc.
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