Fixed-income pensions scheme

Fixed-income pension schemes are a type of investment traded on fixed-income markets. They are issued by governments and companies and allow you to make a stable return on your savings when you’re closer to your retirement.

Unlike equity schemes, short-term fixed-income schemes are based on investing part of the assets in fixed-income instruments. These are bonds, bills and securities that pay interest at the end of a certain period of time. The risk level of fixed-income pension schemes is practically inexistent in many cases and low in others.

The most important benefit of a fixed-income pension scheme for investors is knowing that their investment will yield a stable return in the short term. Also, this product has fantastic tax benefits.

All our fixed-income pension schemes are perfect for people over 60 or those who are close to retiring. In short, these schemes are for an investor profile that seeks a stable return as well as income tax reliefs.

Fixed-income pension schemes allow you to deduct a certain amount of money from your income tax return. It’s important to know the best way to take your pension scheme to enjoy tax reliefs. The money received from a pension scheme is considered as earned income by the Tax Agency and, therefore, it’s included in the Income Tax Return.