{"id":2044,"date":"2024-11-12T18:40:00","date_gmt":"2024-11-12T18:40:00","guid":{"rendered":"https:\/\/grupobaeza.net\/savings-and-pensions\/"},"modified":"2025-05-05T10:17:18","modified_gmt":"2025-05-05T10:17:18","slug":"savings-and-pensions","status":"publish","type":"page","link":"https:\/\/grupobaeza.net\/en\/savings-and-pensions\/","title":{"rendered":"Savings and Pensions"},"content":{"rendered":"

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Savings and Pension Insurance<\/h1>\n

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Savings and Pensions<\/h2>\n

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Pension Plans and retirement savings insurance offer various options and are specially designed to ensure the well-being of self-employed workers at the time of their retirement.<\/p>\n

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The Rest You Deserve<\/h2>\n

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Well-being for the future<\/h2>\n

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The savings and pension insurance offered by Grupo Baeza provides various options designed to ensure the well-being of self-employed workers in their retirement stage, providing a comprehensive approach that allows each individual to plan their future effectively and adapted to their personal needs, thus guaranteeing a more comfortable transition to this new phase of life.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.2″ _module_preset=”default” background_enable_image=”off” positioning=”absolute” position_origin_a=”center_right” position_origin_a_tablet=”center_right” position_origin_a_phone=”center_right” position_origin_a_last_edited=”on|desktop” position_origin_f_tablet=”” position_origin_f_phone=”” position_origin_f_last_edited=”on|desktop” position_origin_r_tablet=”” position_origin_r_phone=”” position_origin_r_last_edited=”on|desktop” positioning_tablet=”none” positioning_phone=”none” positioning_last_edited=”on|tablet” global_colors_info=”{}”][dsm_icon_list icon_color=”#C21B17″ icon_gap_width=”1.6em” icon_font_size=”18px” list_space_between=”8px” text_indent=”13px” _builder_version=”4.27.2″ _module_preset=”default” text_font_size=”18px” text_font_size_tablet=”18px” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”][dsm_icon_list_child text=”Savings through one-time or periodic contributions” font_icon=”||fa||900″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][\/dsm_icon_list_child][dsm_icon_list_child text=”One solution for every savings profile” font_icon=”||fa||900″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][\/dsm_icon_list_child][dsm_icon_list_child text=”Expert advice to help you achieve your goals” font_icon=”||fa||900″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][\/dsm_icon_list_child][\/dsm_icon_list][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” background_color=”#F6F2EA” custom_padding=”||70px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.2″ _module_preset=”default” max_width=”none” custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”65263bcd-cd0e-4d58-987e-8678c94b2c3a” header_2_text_color=”#000000″ header_4_text_color=”#000000″ global_colors_info=”{}”]<\/p>\n

Pension and savings plans in Mallorca<\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”|300|||||||” text_font_size=”18px” text_line_height=”1.8em” custom_css_main_element=”columns:2;||column-gap:45px;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|tablet” custom_css_main_element_tablet=”columns:1;” custom_css_main_element_phone=”columns:1;”]<\/p>\n

We have several types of plans adapted to different customer profiles, from those with practically guaranteed returns to those with riskier ones, ideal for those looking to maximize their profitability. Our accident insurance provides extensive coverage in the event of death or permanent disability due to an accident, as well as multiple additional guarantees that you can select according to your needs, such as cosmetic surgery, personal assistance and travel assistance. Generally, the public pension for the self-employed tends to be lower than that of employees, which makes the concern about the future, at the end of their working life, even greater. Therefore, it is highly recommended to take out an Individual Pension Plan during working life to complement the public pension. This type of product offers significant advantages, such as flexibility in the payment of contributions and the desired periodicity, the option of transferring accumulated savings between different products with different risk profiles, and the possibility of deferring the payment of taxes, given that contributions reduce the taxable base of Personal Income Tax, resulting in a lower payment of taxes initially, while benefits can be collected in the form of capital and\/or temporary or life annuities, taxed at the time of receiving them. <\/p>\n

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Your enquiry about our savings and pension insurance<\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”41d5859c-fbaa-458a-88e4-5d886857f235″ text_font=”Archivo|300|||||||” text_text_color=”#000000″ text_font_size=”17px” text_line_height=”1.6em” background_enable_color=”off” text_orientation=”center” max_width=”100%” custom_margin=”||25px||false|false” custom_margin_phone=”||15px||false|false” custom_margin_last_edited=”off|desktop” custom_padding=”||||false|false” text_font_size_tablet=”16px” text_font_size_phone=”16px” text_font_size_last_edited=”off|desktop” global_colors_info=”{}”]<\/p>\n

Send us a message with your query. One of our agents will contact you shortly: <\/p>\n

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—–
\nDe: %%Name%%
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\nTel: %%tel%%<\/p>\n

Mensaje:
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button_two_bg_color__hover_enabled=”off”][\/et_pb_contact_field][et_pb_contact_field field_id=”Tel” field_title=”Telephone” _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_contact_field][et_pb_contact_field field_id=”ciudad” field_title=”City\/town” required_mark=”off” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_contact_field][et_pb_contact_field field_id=”Mensaje” field_title=”Message” field_type=”text” fullwidth_field=”on” _builder_version=”4.22.2″ global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_contact_field][et_pb_contact_field field_id=”Legal” field_title=” ” field_type=”checkbox” checkbox_options=”%91{%22value%22:%22I have read and accept the Privacy Policy of the site.%22,%22checked%22:0,%22dragID%22:-1,%22link_url%22:%22#%22}%93″ fullwidth_field=”on” _builder_version=”4.27.4″ _module_preset=”default” form_field_font_size=”13px” use_required_asterisk=”off” global_colors_info=”{}”][\/et_pb_contact_field][et_pb_contact_field field_id=”Legal2″ field_title=” ” field_type=”checkbox” checkbox_options=”%91{%22value%22:%22By checking this box you accept the privacy conditions attached to this form (access to this information is linked in this text). GRUPO BAEZA guarantees the confidentiality of the data requested for the sending of communications related to the company's activity, this being the sole purpose of the processing. The data will be kept for the period in which the service is not cancelled. The interested party may exercise their rights of access, rectification, deletion, opposition, portability and limitation of processing by writing to comercial@segurosbaeza.com %22,%22checked%22:0,%22dragID%22:-1,%22link_url%22:%22#%22}%93″ fullwidth_field=”on” _builder_version=”4.27.4″ _module_preset=”default” form_field_text_align=”justify” form_field_font_size=”13px” use_required_asterisk=”off” global_colors_info=”{}”][\/et_pb_contact_field][\/et_pb_contact_form][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” _builder_version=”4.27.2″ _module_preset=”default” custom_padding=”95px||80px||false|false” custom_padding_tablet=”95px||80px||false|false” custom_padding_phone=”50px||40px||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.2″ _module_preset=”default” max_width=”none” custom_padding=”||3px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” header_2_text_color=”#C21B17″ header_2_font_size=”30px” header_2_letter_spacing=”0.3px” header_3_text_align=”center” custom_margin=”||6px||false|false” global_colors_info=”{}”]<\/p>\n

Frequently asked questions<\/h2>\n

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About Savings and Pension Insurance<\/h4>\n

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For the year 2024, the maximum deductible contribution in Personal Income Tax is the lesser of 30% of the sum of the net income from work and economic activities of the declarant or 1,500 euros. This limit will be increased by another 4,250 euros for contributions to simplified employment pension plans for self-employed workers (PPES). <\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Is it more advantageous to opt for Individual Pension Plans or Simplified Occupational Pension Plans to save?” _builder_version=”4.27.4″ _module_preset=”default” sticky_enabled=”0″ title_text_color=”#000000″ open_toggle_text_color=”#C01E0B” border_radii=”on|15px|15px|15px|15px” border_width_all=”0px” title_level=”h4″ toggle_icon=”||fa||900″ icon_color=”#C01E0B” open_icon_color=”#565554″ open_toggle_icon=”||fa||900″ custom_padding=”25px|26px|25px|26px|true|true” title_line_height=”1.2em” title_letter_spacing=”0.2px” custom_padding_last_edited=”on|phone” custom_padding_phone=”20px|20px|20px|20px|true|true” background_color=”#F6F2EA” custom_margin=”||20px||false|false” custom_padding_tablet=”25px|26px|25px|26px|true|true”]<\/p>\n

The final decision will be yours, the best choice would be to opt for a combination of both options. Saving up to \u20ac1,500 in individual pension plans will allow you to:
– Access a wide range of possibilities of Individual Pension Plans that we make available to you and that best suit your risk profile, time horizon and your needs<\/em> at all times.
– Have greater flexibility when it comes to being able to mobilise your consolidated rights between the different Individual Pension Plans, since the Simplified Occupational Pension Plans, although they allow mobilisations of entries from the PPIs to the simplified ones, the exit mobilisations can only be carried out between Simplified Occupational Pension Plans.
The additional remaining savings up to \u20ac4,250 can be contributed within the Simplified Pension Plan so that you can apply the total reduction of \u20ac5,750 in your personal income tax base.<\/p>\n

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The new regulation of occupational pension plans has brought with it an increase in the applicable deduction. Thus, the self-employed can deduct up to \u20ac5,750 with occupational pension plans, instead of the \u20ac1,500 that could be deducted until now. <\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”As a self-employed worker, do I have the possibility of joining any Simplified Employment Pension Plan designed for the self-employed?” _builder_version=”4.27.4″ _module_preset=”default” sticky_enabled=”0″ title_text_color=”#000000″ open_toggle_text_color=”#C01E0B” border_radii=”on|15px|15px|15px|15px” border_width_all=”0px” title_level=”h4″ toggle_icon=”||fa||900″ icon_color=”#C01E0B” open_icon_color=”#565554″ open_toggle_icon=”||fa||900″ custom_padding=”25px|26px|25px|26px|true|true” title_line_height=”1.2em” title_letter_spacing=”0.2px” custom_padding_last_edited=”on|phone” custom_padding_phone=”20px|20px|20px|20px|true|true” background_color=”#F6F2EA” custom_margin=”||20px||false|false” hover_enabled=”0″ custom_padding_tablet=”25px|26px|25px|26px|true|true”]<\/p>\n

The Law establishes the right for any self-employed or self-employed worker to join any Simplified Employment Pension Plan, without having the need to be associated with the association promoting the Plan.
For this reason, you can be included in the Simplified Employment Pension Plan for the Self-Employed that you want, even if you have no previous relationship with the association or professional college that promotes it.<\/p>\n

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News & Tips<\/h4>\n

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More tips for your peace of mind in our Blog<\/h2>\n

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Savings and Pension InsuranceSavings and PensionsPension Plans and retirement savings insurance offer various options and are specially designed to ensure the well-being of self-employed workers at the time of their retirement.The Rest You DeserveWell-being for the futureThe savings and pension insurance offered by Grupo Baeza provides various options designed to ensure the well-being of self-employed […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_joinchat":[],"footnotes":""},"class_list":["post-2044","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/grupobaeza.net\/en\/wp-json\/wp\/v2\/pages\/2044","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grupobaeza.net\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/grupobaeza.net\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/grupobaeza.net\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/grupobaeza.net\/en\/wp-json\/wp\/v2\/comments?post=2044"}],"version-history":[{"count":5,"href":"https:\/\/grupobaeza.net\/en\/wp-json\/wp\/v2\/pages\/2044\/revisions"}],"predecessor-version":[{"id":2309,"href":"https:\/\/grupobaeza.net\/en\/wp-json\/wp\/v2\/pages\/2044\/revisions\/2309"}],"wp:attachment":[{"href":"https:\/\/grupobaeza.net\/en\/wp-json\/wp\/v2\/media?parent=2044"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}