Pension plan
Horos Internacional Empleo, PPE
Horos Internacional Empleo, PPE, is a workplace 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 Empleo, PPE, is a workplace pension plan that encourages voluntary savings, allowing both the company and the employee to make periodic contributions. These contributions are intended to complement the employee's retirement pension, thus guaranteeing greater financial security in the future.
This plan invests in global equities, following an investment philosophy based on value investing.
What are the highlights of this workplace pension plan?
Workplace pension plans can be highly beneficial for small and medium-sized companies (SMEs). Particularly noteworthy are jointly promoted pension plans, which are created by multiple companies (promoters) for the purpose of unifying assets, reducing costs and simplifying administrative procedures.
Shared contributions
The employee is allowed to match the company's contribution to the plan, up to a maximum of €8,500.
Redeemable 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 other special situations included in the law.
Tax benefits
Companies can save up to €400 per employee thanks to Social Security deductions. Employees, on the other hand, are allowed to substract their contributions to the plan from their taxable income in the Personal Income Tax.
Pension plan transferability when leaving the company
In the event that the employee leaves the company promoting the plan, he/she has different transfer options available while keeping his/her savings.
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What are the advantages of this plan for workers?
Pension plans offer employees the opportunity to supplement their public pension, allowing them to maintain an adequate standard of living during retirement.
Employees can enjoy a tax benefit when making contributions to their pension plans. These contributions reduce their taxable base in the Personal Income Tax, which means that they save the marginal PIT rate for the total amount contributed, both by the company and the employee.
Pension plans allow for regular contributions, regardless of market fluctuations. This offers stability in long-term savings for retirement.
By investing in equities through pension plans, employees can benefit from a cumulative tax-deferred return. This means that the returns generated by investments are not taxed until the funds are withdrawn from the pension plan, which can result in significant capital growth over time.
Contributing to a pension plan allows tax deferral until retirement. At that time, the worker is likely to be subject to a lower marginal tax rate, since income during retirement tends to be lower than as a economically active worker.
What are the advantages of this plan for companies?
Workplace pension plans encourage both employers and employees to participate in plan-related decision-making, which fosters greater transparency and collaboration in the management of pension schemes.
Offering a workplace pension plan can be a powerful incentive to retain and attract qualified talent. Employees value long-term benefits such as financial security during retirement, which can increase loyalty and commitment to the company.
Contributions made by the company to workplace pension plans are not subject to Social Security contributions, up to a limit of €115 per month per employee (approximately €1,380 per year). This represents a significant saving for the company, which can reach almost €400 per employee.
Specifically, a 10% deduction of corporate contributions for employees with gross annual compensation of less than €27,000 is allowed. For those with higher salaries, the deduction is applied proportionally.
It is important to note that the workplace pension plan must be made available to all the company's employees. However, the amount of benefits offered may vary according to the salary or professional category of each employee.
Investment objective
The objective of this workplace 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.
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*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
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General information
Denomination
HOROS INTERNACIONAL EMPLEO, PPE
DGS
N5525
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
Latest publications
Legal documentation
