Horos Internacional Autónomos, PPES
Pension Plans Plan de Pensiones
Horos Internacional Autónomos, PPES, is an occupational pension plan that replicates our global equity strategy based on value investing, with an attractive long-term expected return.
Type
Pension plan
Category
Equity
Market
Global
Minimum investment
50€
Calculate in a simple way how much money you could accumulate:
Annual contribution(€)
Duration(years)
Return(%)
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Horos Internacional Autónomos, PPES s the first occupational pension plan for self-employed workers, which encourages voluntary savings through periodic contributions that will serve to complement your retirement pension, thus guaranteeing greater financial security in the future.
This plan invests in global equities, following an investment philosophy based on value investing.
The three pillars of retirement
In principle, we will receive a public pension, but with increasing life expectancy, it is advisable to supplement savings to improve our financial situation after retirement.
Any person can make contributions to an individual pension plan, with a maximum tax deduction of €1,500 per year.
Self-employed workers can make contributions to their self-employed employment plan, with a maximum tax relief of €4,250 per year.
Tax allowance up to
5.750€
per year
If you have a personal pension plan:
You get a tax deduction of €4,250 from your occupational pension pension plan + €1,500 from your personal pension plan.
If you do not have a personal pension plan:
You get a tax deduction of up to €5,750 from Horos’ occupational pension plan for the self-employed.
What are the outstanding features of this employment plan for the self-employed?
A specific pension plan for self-employed workers, which allows you to save in a simple and flexible way, adapting to your own pace, and with important tax advantages.
Minimum contribution amount of €50
Redemption after 10 years
Tax benefits
Transfer your pension plans to the occupational pension plan for the self-employed.
How does it benefit you?
Tax benefits
You can deduct up to €5,750/year. The money you contribute to your plan is deducted from your taxable income. This reduces your Personal Income Tax and you pay less in your income tax return.
Money is always yours
If the investment manager or the entity promoting the plan were to go bankrupt, your money would be managed by another entity and would remain yours.
Save by choosing how much to contribute
It is a flexible plan in which you decide how much money you contribute and how often. By doing so, you save a greater amount of money.
Lower fees
In this exclusive pension plan for the self-employed, the applicable fees are slightly lower than those of our investment funds.
An improvement for your future
Since we don't know how much we will receive when we reach retirement, having a pension plan in parallel gives you the peace of mind of having a complement to your pension.
Higher potential for return by investing in variable income
By investing in a variable income pension plan, you will benefit from the compound effect of investing in stocks for the long term.
Would you like to learn more about the Horos Internacional Autonomos, PPES, plan?
Leave us your details and receive more information about this occupational pension plan and other Horos products.
How much can you save?
Here is an example of the tax savings that can be achieved by having a plan with these characteristics:
PPE* contribution
Gross annual salary
1.000 €
2.000 €
4.000 €
5.000 €
5.750 €
20.000 €
232 €
464 €
928 €
1.126 €
1.497 €
30.000 €
283 €
521 €
1.041 €
1.302 €
1.479 €
40.000 €
313 €
616 €
1.288 €
1.424 €
1.619 €
50.000 €
344 €
680 €
1.436 €
1.688 €
1.941 €
60.000 €
390 €
763 €
1.570 €
1.840 €
2.109 €
70.000 €
430 €
860 €
1.828 €
2.144 €
2.436 €
75.000 €
430 €
860 €
1.828 €
2.150 €
2.473 €
* Tax savings of a single person, 35 years old, with no children and tax residency in the Community of Madrid.
Who can invest in this plan?
Anyone who meets the following requirements:
Be self-employed
Be over 16 years of age
Residing in Spain
It is not necessary to belong to a professional association to join this employment pension plan for the self-employed.
Investment Objective
The objective of this occupational pension plan is to offer an adequate long-term return to its investors, with the possibility of redeeming contributions of at least 10 years old or after retirement, disability, death, long-term unemployment, etc. or in other special situations included in the law.
Historic performance
YTD Return
Accumulated return throughout the year (since 01/01)
*Past performance is not a guarantee of future results. The plan investments are subject to market fluctuations and other risks related to investing in securities, therefore the returns obtained may experience upward or downward variations and the investor may not get back the amount initially invested. Investment or divestment decisions in the plan must be made by the investor in accordance with the legal documents at all times, and in particular on the basis of the plan's Regulations and the Key Investor Information Document (KIID), accompanied, if applicable, by the Annual Report and the last Quarterly Report. All this information, and any other you may need, will be available at the investment manager's headquarters and website: www.horosam.com.
With our exclusive App, you can follow the progress of your savings and their performance in real time. In addition, you can carry out your transactions with total comfort and security, from anywhere and at any time.
With this application we demonstrate our commitment to transparency and accessibility with all our co-investors.
Invest
Frequently Asked Questions
How to register as a client in a Horos pension plan?
You can register directly on our website at this link. link. During the registration process, we will request your personal information, tax address, and we will require you to complete a convenience test and a knowledge test. After completing the registration, you must tell us whether your transaction corresponds to an extraordinary contribution or an entry transfer from another pension plan. You will also have to upload a copy of your ID or send it to info@horosam.com to complete the process.
How can I make contributions to a pension plan for self-employed workers?
Contributions will be made through the Horos private area and will be charged directly to your bank account. We recommend establishing periodic contributions, which are perceived as monthly savings, for long-term planning. You also have the option of making one-off or extraordinary contributions.
How does redemption work in the case of a pension plan for self-employed workers?
The plan’s redemption is subject to the same contingencies as individual pension plans, i.e. after 10 years or after retirement, disability, death, long-term unemployment, etc. or special cases.
Are pension plans for self-employed workers transferable?
Yes, you have the option of transferring any pension plan to your self-employed plan as long as you maintain your status as a self-employed worker. Whether you have a simplified employment pension plan (Horos Internacional Autónomos, PPES) or an individual pension plan (Horos Internacional, PP), this transfer is carried out without any cost or tax impact on your employment pension plan with Horos.
What happens to the pension plan for self-employed workers if I lose my self-employed status?
If you are no longer registered as a self-employed person, you will become a ‘suspended participant’. This means that you will retain your consolidated rights in the plan and continue to benefit from the revaluation of the fund, but you will no longer be able to make new contributions. Below are the options available in this situation: – Transfer the rights to the pension plan of your new employer. – Continue in the plan as a suspended participant, that is, no more contributions will be made in your name, but you still maintain your rights in the plan. – Withdraw the money if you are in one of the legal situations to be able to do so.
Can the individual pension plans of a person who is in the employment plan be transferred to the employment plan for self-employed workers?
Yes, this would be possible. A person who has their individual pension plan in a third entity can move their money to the Horos employment plan for self-employed workers.
Do you have more questions?
Visit the ‘Frequently Asked Questions’ section
If you already have a pension plan, transfer it to Horos
If you already have a pension plan with another institution, you can easily transfer it to our individual pension plan.
General information
Denomination
HOROS INTERNACIONAL AUTÓNOMOS, PPES
DGS
N5546
Category
RV GLOBAL
Management fee
0,102%
Depositary fee
0%
Subscription fee
0%
Refund fee
0%
Custodian
CECABANK, S.A.
Currency
EUR (€)
Documentation
Latests publications
Legal documentation
We are craftsmen of investments
Behind every decision are numerous hours of work, attention to detail and maximum dedication. Like a craftsman, we constantly seek excellence in every step of the way.
Latests publications
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October 9, 2023
