This Friday, OCU advised pregnant women Retirement plans With only a few years left until retirement they are thinking about transferring their savings to… Low risk productsEspecially if it is invested in long-term stocks or fixed income.
The organization stated in a statement that this warning comes in response to the context Market instability And the risk of exposure to losses that are difficult to recover when the capital invested in the product is recovered. The entity has also indicated that transfers between pension plans are taking place Free operations And financially neutral, allowing the risk profile to be adjusted to your needs Payment without fines.
Given this situation, they claimed that among the “most interesting and safest short-term” options were transfers to cash or guaranteed pension plans, as well as to insured pension plans. For example, OCU estimated that, with religion Spanish for one year about 2%, The expected profitability of the best will be there 1.5% over the next twelve months.
Likewise, she pointed to guaranteed retirement plans, which offer a predetermined return if held until maturity, usually between those two years. Five and six yearsAlthough he cautioned, “There’s a lot Little supply For a limited period of marketing” and that “the last issues did just that Not exceeding 2% annually.
Regarding insured pension plans (PPA) – which are not pension plans but share their own taxes and guarantee an auditable interest – they revealed that there are currently offers that have returns for the current quarter Up to 2.3% annually Compared to 1.6% of the cash plan, which could mean “thousands of extra euros to bail out”. Without taking any more risks.”
However, the OCU stressed that risk reduction should only apply to planned capital rescue short termwhile saving using a Wider horizon You can continue to invest in products with greater growth potential. The organization also pointed out that it is not necessary to save the plan at the specific moment Retirement Doing so may not be financially advisable.
In short, the OCU recommended protecting short-term savings, and maintaining exposure to only the world’s stock market Wealth in the long term Benefit from the fact that transfers between plans are free and do not affect taxes.