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Adecco - Recruitment Agency Newcastle

Address: 671 Hunter St, Newcastle West NSW 2302, Australia

A vault is a container for storing archives. When you create a vault, you specify a vault name and the AWS Region in which you want to create the vault.

Source: www.techdatacloud.eu

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Pension plans are a popular product among Spanish people. They are no strangers to capsizing. The main feature of a financial product is that the contracting party agrees to keep his investment until retirement when he redeems himself. There are only a few cases that allow them to be withdrawn before the holder finishes his employment, such as serious illness, long-term unemployment and shares older than 10 years can be redeemed.

Private saver's are concerned about a low-liquidity product such as a pension plan. The experts consulted by Finect agree that keeping calm and avoiding drastic decisions is the most correct way to go.

"War, a pandemic, Lehman Brothers, dotcoms, inflation or any other crisis should not modify a well-designed investment plan according to the profile, and which, therefore, has considered a defined time horizon, the financial situation and personal tax and risk tolerance or aversion", points out Francisco Martínez, Andbank's financial adviser.

People with a contracted pension plan should make periodic contributions, according to Eduardo Surez Méndez.

In the current fragile context, periodic contributions allow us to distribute savings systematically. The risk of entering a bad moment in the market is avoided since contributions happen in different times of the year.

Many of them will save their savings and wait for the markets to improve and the volatilities to be stable, but that is a mistake. They have already lost a part of their savings and fear is normal, but it is in these moments where more returns can be achieved.

The investor's ability to make periodic contributions is adversely affected by the reduction in the maximum amount of contributions that can be deducted in the Income statement.

Camia says that you probably have to contribute to investment funds so that the global portfolio is stable. The financial consultant says adjusting to the appropriate level of risk and providing good quality international investment products to complement a pension plan are other keys to weathering the current environment.

If the personal financial plan is set out correctly, the current situation shouldn't cause us to make big changes. If the initial decision is to invest through a pension plan, it must be maintained as long as it remains the optimal formula.

If you can already save your money from the pension plan, you should not withdraw it in times of decline. "Here the fiscal impact becomes important and 'not falling into the trap' of withdrawing all the money from your coup plan: when you rescue it you will have to pay taxes on the 'expensive personal income tax base', which has a marginal rate between 19% and 47%, equivalent to one more salary", details Suárez. The Mapfre adviser says that a gradual withdrawal in the form of a life annuity is a better option.

The Andbank adviser maintains that exiting the market due to the latest episodes of volatility is a mistake, whether we are positioned in plans or through any other vehicle.

Some of the appeal of pension plans has been lost. The maximum contribution to be deducted from the personal income tax base was reduced again at the beginning of the 21st century. In Spain, there are 9.45 million participating accounts and a saver can have several pension plans.

Is the war in Eastern Europe an extra reason that should keep people away from this vehicle to plan for retirement?

Those people who are thinking of contracting a plan should follow the same strategy as before: regular contributions and good quality international products."

They have not had negative returns due to the drop, so there are many opportunities. They should take into account that the markets are going to recover and that all that is recovered will be benefits for the pocket, but also the limitations of the pension plans.

Mapfre's financial adviser said that the time horizon you have left until retirement is important when choosing a pension plan. Surez Méndez recommends keeping a high percentage of variable income, an investment that has been shown to give you profitability in the long term, and avoids the loss of value of savings due to the effect of inflation. "As retirement approaches, the percentage of variable income must be adjusted and reduced and the profile of your portfolio must be more conservative to protect your capital," he concludes.

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