Pension Plans

The pension plan is a long-term saving product with the main aim of generating savings for retirement, either as capital gains or rents. This product’s tax advantage is that every contribution to it is exempt from Personal Income Tax (PIT) in the Income Tax Declaration during the whole working life.

Trea AM offers a wide range of pension plans based on different strategies:

Trea Conservador is a pension plan designed for long-term investors. This is a flexible and mixed fund that invests in all the different segments of fixed income, maintaining an average credit quality. Moreover, this vehicle can maintain up to 30% exposure to equity markets, preferably Spanish and European ones.

Trea Horizonte is a pension plan that invests mainly in fixed income assets in medium and long term. This is a fund for investors who have a time horizon over two years and are seeking to increase the value of their capital without taking a high risk.

Trea Impulso is a pension plan intended for long-term investors (more than 5 years). This fund invests up to 75% in equity markets, with an investment portfolio mainly focused in listed companies in Europe. The remaining part of the total assets can be invested in fixed income assets.

Trea Crecimiento is a pension plan designed for long-term investors (more than 5 years). This fund invests at least 75% in global equities, and the remaining part of the total assets can be invested in fixed income assets. This fund’s aim is to increase the value of participants’ capital through the selection of attractive, properly managed companies, that have a high growth potential.

Trea Tranquilidad is a pension plan intended for short-term investors (up to 2 years). This is a flexible fund that is able to invest in all the different segments of fixed income, under a conservative approach.

Employment plans are pension plans that companies provide to their employees. A percentage of each payroll is credited to a pension plan that is operated by an investment manager. The operation of these employment plans is similar to the individual pension plans, so tax treatment remains the same.

The tax advantage is that every contribution to it is exempt from Personal Income Tax (PIT) in the Income Tax Declaration during the whole working life.

PLAN DE EMPLEO DE PROMOCIÓN 1, P.P. is adscribed to TREA EMPLEO, FP. A mixed conservative fund that invests up to 30% in equity markets, preferably Spanish and European ones, although it can invest in other OECD countries.