Nationale-Nederlanden has launched a new collective savings product for the self-employed group, in this case for pharmacists. The Dutch insurer has joined forces with Adefarma, the Association of Pharmaceutical Entrepreneurs of Madrid, to promote a simplified retirement plan among self-employed workers in the sector, although self-employed workers in other sectors will also be able to access it. They want to capture the savings of the professional group where the social security complementary to the public pension has the least impact and where the financial impact is the greatest when accessing retirement.
They will offer all self-employed workers, from any sector of activity and geographical location in Spain, “a flexible and tax-advantaged tool, to supplement these public benefits and protect their future with their new Simplified Employment Retirement Plan for self-employed workers.
This new financial savings product takes into account the characteristics of a segment often faced with helpless situations during retirement due to the difference in the amount of their public pensions, which can be up to 40% lower than those salaried workers.
This solution makes it possible to pay, from 30 euros, contributions of up to 5,750 euros per year which will be reduced by the personal income tax base. Employment plans, by their characteristics and their contribution ceilings, allow certain deductions significantly higher than the 1,500 euros offered by individual pension plans after successive adjustments during recent years.
“The Simplified Employment Pension Scheme for Self-Employed Workers is flexible, tax-efficient and adapted to their work reality. We thank Adefarma for its contribution to making it possible and, although any self-employed worker can hire it, we hope that pharmacists in Madrid will be the first to benefit from its advantages”, says Josep Celaya, deputy general manager and CXO of Nationale -Nederlanden.
Collect savings and release
The Simplified Employment Pension Scheme for Self-Employed Workers envisages a comprehensive set of contingencies to provide broad coverage to this group: retirement, disability, death or dependency. On the other hand, it takes into account exceptional liquidity situations such as long-term unemployment or serious illness and even the possibility of predisposing the total or partial amount of your consolidated rights corresponding to contributions paid for at least 10 yearsproviding it with a greater liquidity component.
The new employment plan regulations allow mobility from other individual plans and insured retirement plans (PPA). The collection options offered by this plan include full or partial capital, financial or insured income, or a combination of both, according to Nationale-Nederlanden.
On the occasion of the launch of this product, Nationale-Nederlanden has prepared promotional conditions for new customers who contribute or transfer at least 1,000 euros from another company’s plan. Thanks to this campaign, which lasts until the end of the year, customers can receive up to 2% for the contribution and transfer, and up to 10% if they make periodic contributions and in addition, they take out protection insurance.
