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Pension Plan

Horos Internacional Autónomos, PPES

Horos International Autónomos, PPES, is an occupational pension plan that replicates our global equity strategy based on value investing, with an attractive long-term expected return.

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Horos Internacional Autónomos, PPES, is 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

There are currently 3 pillars that determine the income you will receive when you retire:

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.
Simplified occupational pension plan for self-employed workers

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

The self-employed can contribute to their plan from a minimum of €50 to a maximum of €5,750 per year.

Redemption after 10 years

Investors are entitled to redeem contributions of at least 10 years old or after retirement, disability, death, long-term unemployment, etc. or any other special situations included in the law.

Tax benefits

Deduction of up to €5,750 in your income tax return. And if you already have a personal pension plan, you can deduct €4,250 from your self-employed pension plan + €1,500 from your personal pension plan.

Transfer your pension plans to the occupational pension plan for the self-employed.

You will be able to transfer your current individual pension plans from other entities to this new plan for self-employed without complications.

How does it benefit you?

The simplified occupational pension plan for the self-employed that we offer at Horos has short and long term advantages:

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 profitability 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 Autónomos, PPES, plan?

Leave us your details and receive more information about this occupational pension plan and other Horos products.

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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

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.

€

NAV as of

%

YTD return

0 %

Subscription fee

Historical performance

Since inception

%

1 month

%

3 months

%

6 months

%

1 year

%

YTD

%

*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.

If you are already a client, download the app to track the progress of your investments.

Frequently Asked Questions

Do you have more questions?

Visit the 'Frequently Asked Questions' section

General information

Denomination

HOROS INTERNACIONAL AUTÓNOMOS, PPES

DGS

N5546

Category

RV GLOBAL

Management fee

1,50%

Depositary fee

0,102%

Subscription fee

0%

Redemption fee

0%

Success fee

0%

Custodian

CECABANK, S.A.

Currency

EUR (€)

Documentation

We are crasftmen of investments

Our investment philosophy

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.

Latest publications

2024 Letters to co-investors

Letter to our co-investors 2Q24

Dear co-investor, After wrapping up the second quarter of 2024, we can highlight few new developments in financial markets. The reality is that the euphoric dynamics in the technology sector persist, to a greater or lesser extent, pushing the U.S. stock market to new highs and helping this market to continue outperforming most other regions. This letter will focus on the potential unsustainability of this and the importance of investing with a high margin of safety.

September 23, 2024
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2024 Letters to co-investors

Letter to our co-investors 1Q24

Dear co-investor, The start of 2024 has once again been very positive for global equities, continuing the excellent performance already shown in 2023. Our Horos Value Internacional and Horos Value Iberia funds have been part of this trend, posting returns of 5.9% and 1.1%, respectively.

May 24, 2024
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2023 Letters to co-investors

Letter to our co-investors 4Q23

Dear co-investor, First of all, I would like to take this opportunity to wish you all the best for the new year. We concluded 2023 with two reasons for celebration.

February 13, 2024
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2023 Letters to co-investors

Letter to our co-investors 3Q23

Dear co-investor, This quarter, the management team formed by Alejandro, Miguel and myself is celebrating eleven years working in the complex and fascinating world of investing. A period in which we have remained faithful to the same investment principles and in which we have always managed two strategies: international and Iberian equities. In these eleven years we have delivered c

October 23, 2023
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2023 Letters to co-investors

Letter to our co-investors 2Q23

Dear co-investor, These are good times for Horos because, at this moment, almost all of our more than 3,000 clients have positive returns with their investments in our funds and pension plan. A milestone that shows that our investment process continues to bear fruit, as is also reflected in the 236% and 185% total returns that this management team has

August 7, 2023
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Investment philosophy

Find out more about our investment philosophy based on value investing.