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Pension plan

Horos 
Internacional, PP

Horos International, PP, is a 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, PP is a pension plan that promotes voluntary savings, in which you can make periodic contributions that will help you to complete your retirement pension.

This plan invests in global equities, following an investment philosophy based on value investing.

What is a pension plan?

As you may already know, the public pension system in Spain is hardly sustainable in the long term. For this reason, it is increasingly important to promote savings and private pension plans, in order to ensure a sufficient income and a good standard of living in retirement.

That is the objective of this pension plan, a form of voluntary savings in which you can make periodic contributions that will serve to supplement your retirement pension.

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.

What are the highlights of this pension plan?

Our pension plans are designed to supplement your retirement pension and allow you to do it easily and at your own pace:

Minimum investment amount of €50

You will have the flexibility to make additional investments, a minimum of €50, periodically, or whenever you prefer, we adapt to your needs and financial possibilities.

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

As a pension plan, you will be able to deduct up to €1,500 annually in your income tax return.

Transfer your pension plan to Horos

You will be able to transfer your current pension plans from other entities to Horos without complications.

Would you like to learn more about the Horos Internacional, PP, pension plan?

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

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Main companies

These are some of the companies that occupy the top positions in our portfolio in terms of invested capital as a percentage of total assets under management.

5,0 %

Catalana Occidente

4,4 %

Naspers

3,9 %

ALD Automotive

Investment objective

The objective of this 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

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YTD return

0 %

Subscription fee

Historical performance

Since inception

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1 month

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3 months

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6 months

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1 year

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YTD

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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

Do you have more questions?

Visit the 'Frequently Asked Questions' section

General information

Denomination

HOROS INTERNACIONAL, PP

DGS

N5263

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 (€)

We are crasftmen 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.

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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