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 employment pension 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 social security complementary to the public pension has the least impact and where the financial impact is greatest when accessing retirement.
They will offer all self-employed workers, from any sector of activity and geographical location in Spain, “a flexible and fiscally advantageous tool, to serve as a complement to these public benefits and protect their future with their new Simplified Employment Pension Plan for the Self-Employed” .
This new financial savings product takes into account the characteristics of a segment that often faces situations of helplessness during retirement due to the difference in the amount of their public pensions, which can be up to 40% lower than the of employed workers.
This solution allows you to make, from 30 euros, contributions of up to 5,750 euros per year that will be reduced from the personal income tax tax base. Employment plans, due to their characteristics and contribution limits, allow some deductions significantly higher than the 1,500 euros offered by individual pension plans after successive tweaks during recent exercises.
“The Simplified Employment Pension Plan for the Self-Employed is flexible, fiscally advantageous and adapted to their work reality. We thank Adefarma for its contribution to making it possible and, although any self-employed person can hire it, we hope that pharmacists in Madrid will be the first to benefit from it. its advantages,” says Josep Celaya, deputy general manager and CXO of Nationale-Nederlanden.
Collect savings and release
The Simplified Employment Pension Plan for the Self-Employed contemplates a complete set of contingencies to provide broad coverage for 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 of the total or partial amount of your consolidated rights corresponding to contributions made at least 10 years oldproviding it with a greater liquidity component.
The new regulations for employment plans allow mobility from other individual plans and insured pension plans (PPA). The collection options made available 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.
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