Spain is one of the countries with the highest life expectancy. The latest data from the National Institute of Statistics (INE) puts it above 83 years on average. If we add to this that the birth rate has reached its lowest levels historically, the result is an aging country with an inverted population pyramid. That means it There are more retirees and fewer workers contributing to supporting the system. It is an increasingly important difference.
he Pension maintenance It is one of the most recurring concerns among Spaniards. According to estimates by the National Institute of Statistics, in 2050 there will be only two people of working age for every retiree, compared to five in the 1970s. Therefore, in order to take care of our future, it is important to prepare in the present.
Just as a good harvest deserves its fruits, a lifetime of work should be rewarded with retirement. One way to check this Supplement the public pension privately so as not to lose quality of life When we stop working.
To do this, insurance companies such as Mapfre, They offer retirement plans that Incorporate savings into financial planning And most importantly, Professional advice For customers to protect what matters most, ensuring closeness and trust.
Learn more about how retirement plans work
How to collect Financial Efficiency Survey (ECF), It was implemented by the Bank of Spain and the CNMV, 61% of Spaniards surveyed say they saved in the past year. The most common methods are checking account (63%) and savings account (14%), and only 11% contribute to a retirement plan.
In general, We don’t save enough. Despite increased awareness in recent years, most people do not start planning for their retirement until they are close to retirement age, when the effort to save is already much greater.
The retirement plan is a Long-term savings product To generate a fund available at retirement in the form of capital, income, or a combination of both. It is based on periodic or fixed contributions according to pre-defined profitability and risk criteria. It is designed specifically for this purpose, with professional management and the ability to adapt risks according to the profile and age of the saver.
A pension plan is a long-term savings product to generate funds available at retirement in the form of capital, income or a combination of both.
Therefore, it is contracted for the purpose of obtaining an additional amount for the public pension. Moreover, one of the advantages of retirement plans is Tax exemption in income tax return, This represents tax savings the following year.
Additionally, although it is intended for use upon retirement, if you lose your job or suffer a serious illness This accumulated amount can be used to deal with these unexpected events.
Advice is essential
In the face of increasing complexity of products and needs, advice is fundamental to good and meaningful recruitment. MAPFRE provides support for planning savings for retirement and ensuring stability and peace of mind In that vital moment. Supplementing the public pension with your own fund allows you to face changes in income with greater confidence while maintaining the same lifestyle.
Knowing which product adapts to the needs of each person at each stage of life is key. he Professional and specialized advice It helps you choose the right option, take advantage of tax benefits and make the best decisions for the future. Get that professional advice, which is offered at More than 3,100 MAPFRE offices, It is more than recommended.
The importance of saving
income Public pensions are, on average, about 20% less than your last salary It is seen during working life. This means a significant decrease in income. For this reason, it is important that you have saved and have a financial cushion, so that this sudden decline is less traumatic and does not force you to give up your lifestyle.
Saving is a sign of financial health The earlier you start saving, even with small contributions, the sooner your money will start generating returns. Thanks for compound interest, It is possible to accumulate a large capital that builds a sufficient supplement to the public pension and guarantees retirement without financial problems.
Income from public pensions is, on average, about 20% less than the last salary received during working life.
Saving provides security, and contracting into a MAPFRE retirement plan provides that Calm and stability For the long-awaited moment of retirement.
Move your pension plan and invest in one fund at a time
MAPFRE has launched a new initiative: It offers a 3% bonus to those who transfer their pension plan to the entity This bonus is invested in an investment fund, which in recent years has achieved an annual return of 4%.
Through this campaign, MAPFRE not only promotes retirement savings through “classic” products, such as retirement plans, but also helps clients get started in the world of investing. This campaign continues until January 31, 2026
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