Information required under Ministerial Decree ECC/2316/2015: pension plans

The risk level and liquidity alerts for each plan are detailed in the key information document, which can be accessed through the catalogue.

  Receiving payment of the provision or exercising the right to repurchase is only possible in the event of the occurrence of one of the exceptional liquidity contingencies or suppositions provided for in the regulations governing pension plans and funds.

  The value of the mobilisation rights, provisions and exceptional liquidity suppositions depends on the market value of the pension fund's assets and may result in major losses.

CABK Destino 2030 PP, CABK Destino 2035 PP, CABK Destino 2040 PP, CABK Destino 2050 PP and CABK Destino 2060 PP

  • 1Potentially lower remuneration less risk
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7Potentially higher remuneration more risk

Finally, a new way to view your retirement

With MyBox Jubilación, you have three future solutions in one: save at your own pace by combining the tax advantages of a pension plan1, liquidity through a unit linked savings insurance policy* and protection through life insurance.

Set yourself a target

You will be able to set a target for your retirement based on your age and monthly income with the pension plan.

Manage your contributions

You will be able to modify your contributions and redeem part of the money at market value* when you need it with the savings insurance.

Protect yourself against the unexpected

Protect yourself in the event of permanent total disability and protect your loved ones in the event of death with life insurance.



* The policyholder of the unit linked savings insurance assumes the risks of the investments linked to the contract, with no minimum interest or return guarantees.


We reward your loyalty2

Every 3 years you will receive a refund of 27% of the life insurance contribution.



 

A comprehensive retirement solution

With MyBox Jubilación, everything is different because it is a service that combines tax advantages, liquidity and protection through life insurance.

Pension plan

Invest in your retirement and get a reduction on your annual tax return, as with all other pension plans.

Unit-linked savings insurance*

No limit on contributions that can be redeemed at market value.

*The policyholder assumes the risks of the investments linked to the contract. There are no minimum interest or return guarantees.

Life insurance

To protect you in the event of total permanent disability and your loved ones in case of death.

Would you like to calculate the price of your MyBox Retirement?

     

  • 0.

    Choose your monthly contribution by setting a goal

    Depending on your income and age, we will show you three retirement goals and their corresponding contribution.

  • 1.

    Set up your contribution

    You can distribute it among:

    A redeemable investment: through a Unit Linked* which allows you to dispose of your investment at market value at any time.

    Investment in a pension plan: to lower the tax base in your annual tax return.

  • 2.

    View your MyBox Jubilación

    To find out what your potential savings will be and how much you could receive in a covered situation between now and your 67th birthday.

  • 3.

    Answer a few questions

    To confirm that MyBox Jubilación is suitable for you. Sign up for and monitor your MyBox Jubilación from your CaixaBankNow online banking.

* Benefits and policy values depend on the market value of the investments linked to the contract in which the policyholder assumes the risks of these investments. Risks increase if redeemed before maturity.

1. As per the pension plan legislation in force in June 2022. If the requirements of tax regulations are met. The percentage of tax savings will depend on your financial and personal circumstances. Tax rates vary depending on the autonomous bracket. View the maximum tax rate established by your autonomous community.

2. Every three years and during the month following renewal, a loyalty bonus equal to 27% of the premiums intended to cover the risk of death and permanent total disability of the MyBox Jubilación life-risk insurance will be paid into your account. The bonus is subject to the terms and conditions, as well as to personal income taxation, in accordance with current legislation.

Legal information

Information subject to the terms and conditions of the contract and its annexes, as well as the terms and conditions of subscription. For more information on the CABK Destino individual pension plans, please check the Key Information document for the pension plans holder at www.VidaCaixa.es or at your CaixaBank branch. Unit linked savings insurance, in which the policyholder assumes the risk of linked investments. For more information on the characteristics and risks of the CABK Destino Unit Linked insurance, please check the Key Information document at www.vidacaixa.es or at your CaixaBank branch. VidaCaixa, S.A.U. de Seguros y Reaseguros, with Tax ID A58333261, is the management company and promoter of the Destino pension plans. CaixaBank, SA, is the marketing company, and CecaBank, SA, is the depository institution. CABK Destino Unit Linked and MyBox Jubilación Seguro de Vida are life insurance policies of VidaCaixa, S.A.U. de Seguros y Reaseguros. CaixaBank, S.A., exclusive banking and insurance operator for VidaCaixa, S.A.U. de Seguros y Reaseguros and authorised by SegurCaixa Adeslas, S.A. de Seguros y Reaseguros, and marketing agent of Destino individual pension plans, with Tax ID A08663619 and registered offices at Calle Pintor Sorolla, 2-4, 46002, Valencia. Listed in the Spanish Directorate-General of Insurance and Pension Funds Registry of Insurance and Reinsurance Distributors under code OE0003. It has the corresponding professional civil liability insurance in place to cover any liabilities that may arise due to professional negligence, in accordance with current legislation. Visit the company website for more information.

MyBox Jubilación

MyBox Jubilación is the trading name of VidaCaixa, S.A.U. de Seguros y Reaseguros and CaixaBank S.A. for the service including the insurance policies MyBox Jubilación Seguro de Vida and CABK Destino Unit Linked and the CABK Destino range of individual pension plans. The joint marketing of these products constitutes an associated sale, in which the MyBox Jubilación Seguro de Vida insurance is an ancillary life-risk insurance policy, and the Unit Linked insurance and pension plan are the main products. The combined purchase of these products has no additional cost, compared to the cost they would have if they were purchased separately. If the pension plan and/or Unit Linked insurance is cancelled, the life-risk insurance policy will be cancelled. The pension plan and Unit Linked insurance can exist without the life-risk insurance policy, which may be cancelled early in the cases provided for in the contract. The Entity must determine that the service is suitable for the customer before signing with him/her the management contract, which will detail the conditions for providing the service.

Valor Futuro 10, Unit Linked

Valor Futuro 10 UL, life insurance of VidaCaixa, S.A.U. de Seguros y Reaseguros. CaixaBank, S.A., exclusive banking and insurance operator for VidaCaixa, S.A.U. de Seguros y Reaseguros and authorised by SegurCaixa Adeslas, S.A. de Seguros y Reaseguros, with Tax ID A-08663619 and registered address at Calle Pintor Sorolla, 2-4 46002 Valencia. Listed in the Registry of Insurance and Reinsurance Distributors of the Directorate-General of Insurance and Pension Funds with code OE0003. It has the corresponding professional civil liability insurance in place to cover any liabilities that may arise due to professional negligence, in accordance with current legislation. Visit the company website for more information.

Life Annuities

Life annuities from VidaCaixa, S.A.U. de Seguros y Reaseguros, with ID number A-58333261. CaixaBank, S.A., exclusive banking and insurance operator for VidaCaixa, S.A.U. de Seguros y Reaseguros and authorised by SegurCaixa Adeslas, S.A. de Seguros y Reaseguros, with Tax ID A-08663619 and registered address at Calle Pintor Sorolla, 2-4 46002 Valencia. Listed in the Registry of Insurance and Reinsurance Distributors of the Directorate-General of Insurance and Pension Funds with code OE0003. It has the corresponding professional civil liability insurance in place to cover any liabilities that may arise due to professional negligence, in accordance with current legislation. Visit the company website for more information. For more information on the features and risks of the insurance, please check the Key investor document on www.VidaCaixa.es or at your CaixaBank branch.

Data processing and transfer

The general terms and conditions of the customer's relationship with the company VidaCaixa S.A.U. de Seguros y Reaseguros (with Tax ID number A58333261), as well as information regarding regulatory obligations, internal policies that the entity must comply with, and processing and disclosure of your data for commercial purposes (in accordance with the authorisations granted at any given time), are governed by the provisions of this clause as set forth in the Framework Agreement that you entered into when giving your consent to the CaixaBank Group, where applicable. The provisions of this clause shall prevail over any different specific provision or procedure that may be provided for in a signed product or service agreement. The entity also informs you that as the data controller for the personal data provided or any additional data generated during the contract, it will process this data in order to manage the contract, in the terms established in the terms and conditions of each product and industry regulations, communicating the necessary data where applicable (service providers, reinsurers, distributors and public authorities/bodies). For more information on the processing of customer personal data by VidaCaixa, and specifically on how to exercise your rights of access, rectification, erasure, and others, see the following website: www.vidacaixa.com/proteccion-de-datos. If the customer so wishes, they can also request detailed information in paper form at any CaixaBank branch.

NRI: 6126-2023/09542