Increase your retirement pension with the new exclusive pension plan for the self-employed

Get ahead and do your future self a favor by contracting the new Simplified Employment Pension Plan for the Self-Employed (PPES). Multiply your savings for retirement and deduct up to €5,750/year on your income tax return.

Receive by e-mail a detailed dossier on this new pension plan for self-employed workers.

Horos Asset Management, SGIIC, SA, as the data controller, will process your data in order to send the information dossier of this pension plan and contact you to provide more information by email or telephone, as well as any information in relation to other Horos savings products. or additional information, in accordance with our privacy policy.

What does this new savings plan consist of?

The public pension system in Spain is hardly sustainable in the long term. That is why this Simplified Employment Pension Plan for the Self-Employed arises. It is the first aimed at self-employed workers, it enjoys greater tax advantages and is promoted by the College of Economists of Santa Cruz de Tenerife.

Name of the plan

Horos Internacional
Autónomos, PPES.

DGS

N5546

Currently there are 3 pillars that determine the income you will receive when you retire:

In principle we will receive a public pension but, as life expectancy is increasing, it is advisable to supplement savings through pension funds to improve our economic situation after retirement.

Anyone 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 €5,750 per year.

Deduct up to

5.750€

al año

If you have an individual pension plan:

You deduct up to €4,250 from your self-employed pension plan + up to €1,500 from your individual pension plan

If you don't have an individual pension plan:

You deduct up to €5,750 from your Horos employment pension plan for the self-employed

Thanks to the international investment strategy that we follow at Horos, the profitability of our investments has been growing annually*:

Total Return

*** %

Annualized Return

*** %

2025 YTD

Rentabilidad YTD
Rentabilidad acumulada en el año (desde el 01/01)

*** %

2024

11,8 %

2023

14,3 %

2022

4,9 %

2021

37,6 %

2020

-2,4 %

2019

12,8 %

2018

-13,7 %

2017

11,6 %

2016

11,0 %

2015

14,9 %

2014

17,6 %

2013

19,9 %

2012

13,9 %

*The results obtained by the management team throughout their professional career are included (from May 31, 2012 and from September 30, 2012 for the international and Iberian strategies, respectively, until May 21, 2018 in their previous stage and since that date, in Horos AM). Past returns are no guarantee of future returns.

Horos Plan Pensiones Empleo Trabajadores Autonomos

Who is this pension plan for?

To any person who meets the following requirements:

Be freelancer

Be over 16 years of age

Residing in Spain

It is not necessary to belong to a professional association to join an existing pension plan.

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

How does it benefit you?

The Simplified Employment Pension Plan for the Self-Employed that we offer you 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. That reduces your personal income tax and you pay less in your income tax return.

The money is always yours

If the manager or the entity promoting the plan went bankrupt, your money would be managed by another entity and would continue to be yours.

Flexible contributions

You decide how much money you contribute to the plan and how often. By doing so, you save a greater amount of money.

Lower commissions

In this pension plan exclusively for the self-employed, the applicable commissions are slightly lower than those of our investment fund.

An improvement for your future

Since we do not know how much we will receive when we reach retirement and social security, having a parallel pension plan gives you the peace of mind of having a supplement for your pension.

More profitability

By investing in a variable income plan, you will benefit from the long-term returns that investing in stocks produces.

How much can you save?

Here is an example of the tax savings that having a plan with these characteristics can mean:

PPES* contribution

Sueldo anual bruto

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 for a single person, 35 years old, without children and tax residence in the Community of Madrid

If you have any questions about the subject or want to tell us what your situation is, contact us and we will study your specific case.

Book an appointment

Do you want more information?

Leave us your email and we will send you a dossier with all the details about this new pension plan exclusively for self-employed workers.

Why hire it with us?

Horos AM is an independent manager based on the philosophy of value investing, which consists of investing in companies with a high margin of safety and a value higher than the price at which they are listed on the stock market.

This investment philosophy has given very good results to our clients and has given us recognition such as the Citywire Award for the best equity management team in Spain 2016 and different awards granted by Morningstar and Expansión-Allfunds.

Horos Plan Pensiones Empleo Trabajador Autonomo

Our 5 principles

We understand the business

We invest in companies that we can understand and envision for the long term.

We reduce the risk

We avoid companies with high debts.

We analyze the management team

We carefully study the work of your management team.

We select differentiating companies

We always choose those that have advantages over their competitors.

We maintain a margin of safety

We buy shares when we think that their value is clearly higher than their stock market price.

In addition to all these reasons, there are three more reasons why you can contract this new pension plan for the self-employed with us:

Management of Caser Pensiones, one of the 15 largest pension plan managers in Spain.

Promotion of the College of Economists of Santa Cruz de Tenerife.

Supervision of the General Directorate of Insurance and Pension Funds, guarantee of transparency and good practices.

12

years of experience

+4.000

customers who already save with us

8

management team awards

Horos Plan Pensiones Empleo Autonomos

Our client endorses us

I am a shareholder in Horos Internacional pension plan and I am very happy with the investment philosophy the managers practice. They are a great investment team who is totally aligned with us, the shareholders. In our first interaction, the sales representative showed great patience in explaining everything in full detail to me. I will continue to make contributions to the pension plan every year.

Salva Gil
IT Technician

I am invested in their personal pension plan and the truth is that I am very happy with the results. The return they are obtaining is very interesting and the communication with the shareholder is second to none! 100% recommended to all savers!

Esther Revenga
Teacher

Excellent value investing-oriented capital management firm. A team of professionals who honor the mission and values they profess, with deep knowledge of the stock markets and the companies they bet on. Credibility, sensitivity, attention to detail plus a personalized and well-crafted customer service. I have been investing with them for five years, and not only the value of my investments has increased considerably, but also the treatment I have received is unbeatable.

Marta Rodríguez
Consultant, mentor and trainer in Organizational Welfare and Talent Development

A friend of mine told me about the Horos mutual funds and, after following his advice, I decided to invest a portion of my savings with them. So far, my decision has proven to be wise, as not only have I increased my capital, but I have also enjoyed an excellent customer service. There is always someone available to answer any questions I may have, and they respond quickly and efficiently, which gives me great peace of mind and confidence in my investment.

Roberto Ramos
Project manager in innovation

A management team that genuinely embraces a value investing philosophy. A team of independent managers whose interests are fully aligned with those of their clients. In my case, I have trusted them since they were in Metagestión SGIIC, and I continue to trust them now in Horos. I could not be happier as I’m aware the returns I’m obtaining are difficult to get from other managers. 100% recommended.

José Mora García
Investment relations

As a lawyer specialized in finance, I highly value Horos’ approach to value investing and their commitment to transparency and communication with clients. I have been collaborating with them for 4 years and my main objective was to find where to invest my savings for the long term. Thanks to its young and dynamic team, they guarantee an ethical and responsible service that has also proven to obtain very good results (their Iberian fund was the most profitable in its category in 2021).

Ignacio Pinedo
Lawyer

Excellent personal experience with the group of people that leads this investment manager. I knew them when they were managing other fund in their previous firm, and without a doubt I bet on them in this new stage.

Pablo Sanchís
Senior Financial Planning and Analysis

My small capital could not be in better hands. Despite the difficult times we are living, the results are good.

Rita Bello
Retired

I’m an investor in the international fund since the beginning of 2023 and the truth is that I didn’t expect to obtain such positive results in such a short period of time. This is my first time buying this type of financial product and, because of that, I appreciate greatly that they have spent as much time as needed to solve all my doubts and explain the fund’s holdings in full detail. It gives me peace of mind that such a good investors invest their money along mine, and that they do it by applying a common sense-based method. I wish I had known them before!

Erika Hita
Team Leader

Hello, I am an investor in the international Horos fund because we share the market vision, both from the point of view of “value investing” and from the “Austrian school of economics”. Their quarterly letters are exquisite for delving into both market philosophies. Furthermore, when investing in Horos you have the advantage that, despite the great track record of results of its managers, the assets managed are much smaller than in other similar managers, which gives it investment flexibility and unique future potential. If you add to this that the managers are the owners of the company and that they invest their assets with yours, I can’t think of any other investment where you can sleep more peacefully.

Fabián González
Doctor in microbiology

Transfer your investment fund to HOROS and improve the profitability of your savings

Do you have capital invested in funds with such low returns that they barely beat inflation? The Horos management team, specialized in variable income, has multiplied its participants' money by 4 since 2012, with a 12% annualized return, net of commissions, in said period.

You've probably heard that investing in stocks is risky because they fluctuate more than other assets. If your time horizon when investing is 5 or more years, this volatility should be seen as an opportunity to buy assets with high revaluation potential at a better price. And, despite all the events that have happened, and will continue to happen, throughout history, equities are, by far, the most profitable asset of the last 200 years.

Transfer your investment fund to Horos and invest with the management team that leads profitability in this type of asset in the last 5 years among managers domiciled in Spain*.

*VDOS: “Map of investment fund managers” 3T24.

I'd like to transfer my fund

Frequently asked questions

Yes, you can contribute from a minimum of €50 to a maximum of €5,750 annually.

You can invest any amount you want up to a maximum of €5,750. Also, it is not necessary to invest every year.

You can transfer it to another employment pension plan (whether self-employed or company). Today, the law does not allow transfers to individual pension plans.

If you unsubscribe from the RETA (self-employed worker regime), you will become a “suspended participant”. This means that you will maintain your rights in the plan (the shares will still be yours), but you will not be able to make more contributions. In that case, you have 3 options:

1. Maintain the plan and redeem that money later (or in case you register as self-employed again in the future).

2. Transfer your shares to your new employer’s pension plan (if there is one).

3. Withdraw the money (totally or partially) if you are in one of the legal situations to be able to do so.

The rescue of the plan is subject to the same contingencies as individual pension plans, that is, after 10 years or after retirement, disability, serious illness, death, long-term unemployment, etc. or special cases.

The management cost commission that we apply at Horos AM is 1.5% of the total amount you invest in your plan.

Do you have more questions?

We answer more questions in the ‘Frequently asked questions’ section.