Pension plans for the self-employed: more savings today, more peace of mind tomorrow

If you work for yourself, your public pension may not be enough to retire on. With occupational pension plans for the self-employed, you can invest in your future with the experience of our team of managers.

Come to BBVA and start planning your retirement

You can choose the plan that best suits your investor profile and savings capacity.
  • To save with greater peace of mind

    • Average contribution of 21.5% to equities (up to 33%).
    • Less volatility.
    • For self-employed workers with a conservative profile who are close to retirement.
  • To invest in a balanced way

    • Average contribution of 36.5% to equities (up to 53%).
    • Average volatility.
    • For those who want to grow their savings consistently.

You will have more advantages than with an individual pension plan

  • More tax savings

    You can save more on taxes by contributing €5750 a year and deducting it from your personal income tax (€1500 as an individual + €4250 for being self-employed).
  • Total flexibility

    You decide when and how to contribute to your pension plan, depending on your activity.
  • Control from the app

    Consult your plan in detail and analyze how the profitability you are generating is evolving.
  • A team at your side

    You will have an expert investment team to advise you in the app, in our branches or by phone.

You will be able to deduct up to €5,750 a year when investing, €1,500 individually and €4,250 for being self-employed.

Every year, you will save on your tax return

  • You can invest up to €5,750 a year with this pension plan (€4,250 for being self-employed and €1,500 individually).
  • In addition, you will be able to deduct everything you contribute from your personal income tax: the money invested will be subtracted from your taxable income and it will be as if you had not earned it.


For example, if you contribute €4,250 and earn €40,000 per year, you can deduct up to €1,572.5.

The savings shown in the example are approximate and may vary due to personal and family circumstances and the autonomous community of residence. Calculated as per the applicable laws in the common territory.

You can manage everything with total flexibility

Adjust your contributions

If you program them, your savings will grow without you even noticing it. You will also be able to invest on a one-time basis if you earn more one month.

Review how it grows

You will be able to analyze how the investment of your pension fund is progressing and the savings you are accumulating.

Pause the plan if you need to

Has your employment situation changed? Pause your plan contributions without losing the return you have generated.

Choose how to collect your money

When the time comes, you will receive your savings in the form of capital (lump sum), income (periodic payment) or mixed.

And when the time comes, you will receive your savings

Our pension plans for the self-employed are designed to guarantee your financial well-being, so you can withdraw your savings:

  • When your plan contributions are over 10 years old: for extra liquidity.
  • When you have been unemployed for more than one year: to continue earning income while you look for opportunities.
  • When you retire: to supplement your public pension.

Common questions about occupational pension plans for self-employed workers