Saving and investing
Deposits, funds and savings plans matched to your horizon and risk tolerance.
What is included
Deposits and funds
Pension plans and PIAS
Risk profile
Who it is for: For anyone wanting their money to work towards a clear goal and timeframe, understanding the risk taken with each product.
What is worth knowing
01
Deposits and savings accounts
They offer a return known in advance and, up to 100,000 euros per holder and institution, are covered by the Deposit Guarantee Fund.
Products Agustín can arrange for you
Fixed-income and money-market funds
For the short term and cautious profiles.
Target-date funds
Aim for a return by a set date, not guaranteed.
Pension plans
By age, by risk profile or for the self-employed. You can transfer yours from another bank.
Savings insurance
PIAS, SIALP and insured retirement plans.
Saving for your children
Insured children's savings plans.
Lifetime annuities
A regular insured income for life.
Interest rates, discounts, fees and promotions change often: Agustín gives you the current terms, at the meeting.
Simulate your savings
Illustrative projection assuming a constant return. It guarantees no result.
You would reach it in year 15
Final capital
€53,232
23 % of the final capital is return
Contributed
€41,000
Interest earned
€12,232
The cost of waiting
Starting in 5 years with the same contribution would leave you €18,537 less at the end.
Informative simulation with an assumed constant return, no guarantee, before taxes and fees. Markets fluctuate and you may lose part of the capital invested.
How we work
Listen
An unhurried conversation about your situation, goals and timing. Most things are decided here.
Analyse
I review what you already have, what it costs and what is missing, and compare it with the market.
Propose
I present the options with pros and cons, in writing and without unnecessary jargon.
Support
I support you through the process and review progress with you when your circumstances change.
What to bring to the meeting
- ID/NIE
- Summary of your current products
- How much you can save each month
Watch out for
Past performance does not guarantee future returns. Be wary of any promise of guaranteed gains.
Management and custody fees reduce your return every year: compare them.
Do not invest money you may need in the short term. Build a cushion for emergencies first.
Frequently asked questions
With a goal and a timeframe: what the money is for and when you will need it. That determines how much risk makes sense and which products fit.
General, indicative information on regulations and products in Spain. Terms and rules change and every case is different: they are confirmed at the meeting. It is not personalised advice or an offer.
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A 30-minute meeting, no commitment. You arrive with a summary and leave with clear next steps.
General information only. It is not personalised advice or a contractual offer.