We approach at the end of year and there is coming the hour of throwing the accounts so that the fiscal invoice in our next Treasury Department declaration is the possible minor. And as always in this epoch, the Financial institutions, expert in that one of the products most appealed to eliminate tax are the pension plans, begin his campaigns.
They know that half of the contributions that are done to the pension plans annually, is done in last two months of the year, when, more or less, we already know what will prove to us to pay the following year. But this year, also, the Banks have to compertir against a crisis that it is affecting to the liquidity of his foreseeable clients.
Nevertheless, as always, the campaigns are quite aggressive and we can find of everything, how in pharmacy. Since they offer us gifts, up to cash, loans without interests or even mortgages drawings.
These are some of the offers of pension plans that exist on the market on the day of the date:
- The Caixa
His best offer is that of the Plan Caixa 7, which TAE offers 7 % in checking account or for impositions to 1 year.
Apart from the gifts that it offers, like TV sets or chinas, what he claims is to strengthen year by year the profitability that the client has in his plan. His two best products are the Plan Santander Inflation that guarantees the profitability to 6 years, and the Plan Santander Annual Protection.
TAE offers guaranteed profitability of 5 %, but the most out-standing thing is that also it goes so far as to offer a loan to 6 months to 0 %.
- Cajamar
It offers gifts in cash, and can go so far as to offer 600 euros for those that deposit more than 18.000 euros to the pension plan.
- Banco Popular
Apart from giving from coffee pots Nintendos, they offer to hire a deposit to 12 months to 6,5 %, and another battery of monetary incentives according to the penetrated quantity, so that, for example, from 10.000 euros they can go so far as to offer additional profitability that ranges between 2 % and 10 %.
- Axa
It offers a 1 % of the quantities penetrated from other pension plans.
This way we might continue with all the existing entities on the market. Nevertheless, we will be analyzing them throughout these two months in Finanbolsa in successive articles.
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