Nationale-Nederlanden has developed a product that allows clients to make their investment profitable without assuming any risk, and to benefit from the tax advantages that the product offers.
This is the Sialp Growing Plan, life insurance designed to invest with a daily and growing guarantee.
The company points out that this new savings plan uses an innovative daily investment management system that seeks for the client the best opportunities to achieve profitability and protects their investment at all times. “It’s like having a personal advisor 365 days a year. So much so that the client will be able to check the value of their investment and its guaranteed value every day on the web,” explains Nationale-Nederlanden.
With a minimum periodic premium of 1,800 euros per year and a maximum investment of 5,000 euros per year (maximum set by law), the Sialp Growing Plan guarantees its clients a capital made up of 85 percent of the highest value reached by their investment throughout the life of your plan.
In this way, the guaranteed capital will grow with the rise in the markets and will consolidate over time, maintaining its guaranteed capital even if the markets fall.
With the Sialp Growing Plan, the client will also benefit from the tax advantages related to the SIALP (Individual Long-Term Savings Insurance), since the yields obtained are tax-free as long as they maintain the investment for five years. Likewise, all the returns that the client obtains from then on, will also be free of taxation.
However, the fact that the client can enjoy tax advantages with this savings plan does not mean that he cannot dispose of his capital if he needs it after the first year, being able to cancel his policy before the fifth year, without applying the tax exemption in the income tax. You will only be charged a cost of between 1 and 2 percent of the value of your investment. And with the peace of mind of knowing that always, and under any circumstance, the value of your investment will be at least 85 percent of the premiums paid.
On the other hand, the Sialp Growing Plan also guarantees the client that, in the event of death, their beneficiaries will receive the value of the investment plus an additional 1,000 euros.
Growing Plan, a proposal for the most determined
And for those who value profitability above all else, Nationale-Nederlanden has developed another solution, Plan Creciente, which offers three levels of guarantee for the customer to choose from.
In this case, after a minimum initial contribution of 5,000 euros, the client may continue to contribute premiums starting at 500 euros when deemed appropriate.
The Growing Plan guarantees clients a capital made up of 80, 85 or 90 percent (at the client’s choice) of the highest value achieved by their investment throughout the life of their plan. After the first year, they may dispose of the total or partial value of their investment at any time, at a cost of between 1 and 2 percent of the value of their investment until the fifth year after which no cost will be applied . This plan also guarantees that, in the event of the client’s death, his beneficiaries will receive the value of the investment plus 3,000 euros.
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