BBVA Pension Plans

We help you get closer to the life that you want to live. Also, get 3% more for making an internal transfer for any amount of money.

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Pension plans, plan your retirement with BBVA

Sign up for it easily; think about what need or goal you want to meet according to your age bracket and choose the plan you want to save with:

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    Girl under 50 years old

    Under 50 years old

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    Man between 50 and 60 years old

    Between 50 and 60 years old

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    Woman over 60 years old

    Over 60 years old

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    Retired man

    I am already retired

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A plan that accompanies me up until retirement

I want to choose a pension plan in which I can make all my contributions between now and my retirement.

A plan that adapts to my risk profile

I want to choose a diversified plan with flexible management, whose combination of assets adapts to my risk profile.

BBVA Plan Jubilación 2030

A plan that is managed under the philosophy of a life cycle: the investment in assets varies, with decreasing risk over time as retirement gets nearer (around 2030).

BBVA Plan Jubilación 2040

A plan that is managed under the philosophy of a life cycle: the investment in assets varies, with decreasing risk over time as retirement gets nearer (around 2040).

BBVA Plan Multiactivo Conservador

Mixed Fixed-Income Plan, for conservative investment profiles. Invest in the international market in a diversified way (maximum of 30% in variable income assets).

BBVA Plan Multiactivo Moderado

Mixed Variable Income Plan, for moderate investment profiles. Invest in the international market in a diversified way (between 20% and 60% in variable income assets).

BBVA Plan Multiactivo Decidido

Mixed Variable Income Plan, for decisive investment profiles. Invest in the international market in a diversified way (between 50% and 90% in variable income assets).

Learn about the employee pension plans specifically for the Basque Country, click here

A plan that accompanies me up until retirement

I want to choose a pension plan in which I can make all my contributions between now and my retirement.

A plan that adapts to my risk profile

I want to choose a diversified plan with flexible management, whose combination of assets adapts to my risk profile.

BBVA Plan Jubilación 2025

A plan that is managed under the philosophy of a life cycle: the investment in assets varies, with decreasing risk over time as retirement gets nearer (around 2025).

BBVA Plan Jubilación 2030

A plan that is managed under the philosophy of a life cycle: the investment in assets varies, with decreasing risk over time as retirement gets nearer (around 2030).

BBVA Plan Multiactivo Conservador

Mixed Fixed-Income Plan, for conservative investment profiles. Invest in the international market in a diversified way (maximum of 30% in variable income assets).

BBVA Plan Multiactivo Moderado

Mixed Variable Income Plan, for moderate investment profiles. Invest in the international market in a diversified way (between 20% and 60% in variable income assets).

BBVA Plan Multiactivo Decidido

Mixed Variable Income Plan, for decisive investment profiles. Invest in the international market in a diversified way (between 50% and 90% in variable income assets).

Learn about the employee pension plans specifically for the Basque Country, click here

A conservative plan without sacrificing on returns

I want to choose a conservative plan, now that my retirement is getting closer, with a view to earn returns in addition to the money market.

A moderate plan that limits risk

I want to choose a moderate plan, that allows me to limit maximum losses and consolidate the profits obtained.

A plan that adapts to my risk profile

I want to choose a diversified plan with flexible management, whose combination of assets adapts to my risk profile. 

BBVA Plan Destino Jubilación

Mixed Fixed-Income Plan, for conservative investment profiles. Invest in the international market in a diversified way (maximum of 10% in variable income assets).

BBVA Plan Consolidación 85

Mixed Variable Plan, for moderate profiles. This allows you to limit the risk, as its objective is to obtain minimum returns that are equal to 85% of the maximum net asset value ever reached.

BBVA Plan Multiactivo Conservador

Mixed Fixed-Income Plan, for conservative investment profiles. Invest in the international market in a diversified way (maximum of 30% in variable income assets).

BBVA Plan Multiactivo Moderado

Mixed Variable Income Plan, for moderate investment profiles. Invest in the international market in a diversified way (between 20% and 60% in variable income assets).

BBVA Plan Multiactivo Decidido

Mixed Variable Income Plan, for decisive investment profiles. Invest in the international market in a diversified way (between 50% and 90% in variable income assets).

Learn about the employee pension plans specifically for the Basque Country, click here

A plan that adapts to my risk profile or that of my heirs

I want to choose a diversified plan with flexible management, whose combination of assets adapts to my risk profile or that of my heirs.

Redeem my benefits in the form of guaranteed annuities

I want a life-savings product that offers me a life annuity to complement my retirement pension.

A conservative plan without sacrificing on returns

I want to choose a conservative plan, with a view to obtain extra returns in addition to that of the money market, and to be able to receive my pension from it.

BBVA Plan Multiactivo Conservador

Mixed Fixed-Income Plan, for conservative investment profiles. Invest in the international market in a diversified way (maximum of 30% in variable income assets).

BBVA Plan Multiactivo Moderado

Mixed Variable Income Plan, for moderate investment profiles. Invest in the international market in a diversified way (between 20% and 60% in variable income assets).

BBVA Plan Multiactivo Decidido

Mixed Variable Income Plan, for decisive investment profiles. Invest in the international market in a diversified way (between 50% and 90% in variable income assets).

BBVA Rentas PPA

It allows you to earn consolidated rights on individual pension plans and guaranteed benefit plans.

BBVA Insured Annuities

Recommended for people who want to enjoy their retirement and maintain their standard of living.

BBVA Plan Destino Jubilación

Mixed Fixed-Income Plan, for conservative investment profiles. Invest in the international market in a diversified way (maximum of 10% in variable income assets).

Learn about the employee pension plans specifically for the Basque Country, click here

Decide to open your pension plan with BBVA

Saving for your retirement is essential. We have pension plans designed for all ages and investor profiles. If you have decided to contract your pension plan with BBVA, just select the one that is right for you and get a bonus for transferring an outside plan to one of those in our campaign. Contributions are deductible from the general tax assessment base for personal income tax (IRPF), up to the limits established in the tax regulations in your Annual Tax Return.

To contract your BBVA pension plan, all you need to do is indicate the age range you fall into, then select your plan from the wide range of those available.

Save in your income tax return

Would you like to know how much you can save on your personal income tax if you contribute to a pension fund?

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Investment calculator

Calculate the profitability of an investment in pension plans or investment funds. Add your regular contributions too, indicating how regularly you wish to calculate.

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Pension plan tools

Consult all the pension plan tools we put at your disposal that will help you to define your retirement strategy successfully.

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Related links

Pension plan calculator:

Calculate, plan and estimate the contributions and the tax saving so that you can enjoy the best retirement.

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Defined Benefit Simulator

This simulator will help you calculate your retirement pension and make plans for how to collect the benefits from your Pension Plan/EPSV.

Go to the simulator

Tax rules of pension plans

Contributions can be deducted from the assessment base for personal income tax (IRPF).

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Pension funds

What are pension funds? Differences between pension plans.

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Save in your everyday operations

We offer you simple advice so you can save for your retirement.

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Tu multiactivo range

A range that provides you with three investment solutions for different profiles and suited to your needs.

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