Pension plans 2008 of Bankinter

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26-11-2008 | Javier Gomez

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As all the Financial institutions in these dates, Bankinter also has established the bases of his campaign of pension plans 2008, in that especially he emphasizes 1 % of added profitability that they guarantee to us in case of penetrating or opening a new pension plan, be the amount that is.

Nevertheless, this possibility of 1 % added can change for the formalization of an annual deposit which yield will be of 6 % TAE, and open sea for an equal amount or less to the penetrated one for the new fund.

But we are going to analyze in a more detailed way these Bankinter pension plans:

- What offers us?

Bonus in account of 1 % added especially the amount that is penetrated and enters
The possibility of opening an annual deposit to 6 % TAE equally or minor imports that deposited in the new pension fund. This possibility is incompatible with the previous option of 1 %.
Compatibility with the “program returned”, current in the Entity for already enough time, according to which the client benefits from his permanence in the Bank with increasing profitability. This way, the profitability increases 0,20 % after finishing the first year of permanence in the bank, and this way successively, year after year, up to coming to an increase of 0,35 % from the fourth year.

- For what does he ask us?

The offer is thought for clients who already should not have any plan formailizado with the Entity.
The offer is for income or transfers realized between November 1 and December 31, 2008, and it has to be supported until January 31 of 2.010
The maximum quantity that can subscribe by way of bonus of 1 % is 1.000 euros and March 1, 2009 becomes effective.
In case of the deposit to 6 % TAE the minimum to be deposited is of 3.000 € and the maximum 150.000 €. The hiring does 4 % to itself and only if the pension plan has been supported during the whole year, then 6 % subscribes.
For the “program I return” the minimal contribution it must be 2.600 el the first year, and from here on, the contribution must increase annually in 100 euros.

- What seems to us?

Since I you am going to be sincere and direct. Too many conditions must be fulfilled. It is a very good offer if you are sure that you are going to support the plan in the Entity during the time for that they ask you, but everything is tied to that this period is fulfilled. For example, an annual deposit to 6 % is well (although it is necessary to remember that there are already others to top interest), but that is whenever there are fulfilled the conditions of period of the plan, because but you will have left the deposit in 4 %, and of course it is a derisory type for this term.

To read more on: Pension plans, financial Products
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