Save at your own pace, with guaranteed returns and no strings attached
Flexible Guaranteed Savings is a regular savings plan from €80/month, with no payroll or direct-debit tie-in, with a guaranteed return and total freedom to increase, reduce, pause or restart your contributions whenever you need to.
- ✓ Guaranteed return from the first year
- ✓ Increase, reduce, pause or restart contributions
- ✓ Extra capital in case of death
Real flexible savings, no fine print.
Designed for anyone who wants to start small and adapt month to month.
Contributions from €80/month
Guaranteed return for the first year, with periodic reviews after that.
Total flexibility
Increase, reduce, pause (release) and restart your contributions whenever you need to; extra one-off contributions are also possible.
No tie-in
No requirement to set up payroll deposits or direct debits, no hidden fees, no conditions that change without warning.
Extra capital on death
Your beneficiaries receive extra capital on top of the policy’s accumulated value.
This isn’t an on-demand account: it’s a medium/long-term savings product, with minimal penalties for early withdrawal and access to your saved money. The interest rate is reviewed periodically, it isn’t fixed for life. Full details on rates, penalties and taxation are in the General/Specific Conditions and pre-contractual documentation, which I explain before you take out the policy.
For anyone who wants to save gradually, with no strings attached.
Conservative savers who want a return with no risk, people tired of bank tie-ins and shifting conditions, or anyone who simply wants to start saving with small amounts.
Your Flexible Guaranteed Savings, in three steps.
No jargon, no upfront commitment.
Tell me how much you want to contribute
And at what pace feels comfortable.
I confirm your guaranteed return
You’ll know from the start how it works and how much flexibility you have.
You save at your own pace
Increase, reduce or pause your contributions whenever you need to, with no penalty for doing so.
If your situation is different, one of these might suit you better.
Children’s Savings Plan
A savings plan to gradually build capital for your child or grandchild.
Discover the policy →Guaranteed Super Plan
Single contribution with guaranteed capital and interest until maturity.
Discover the policy →Fondvida
Savings-investment with more return potential, tailored to your risk profile.
Discover the policy →See all Savings
Discover all 4 options and choose the one that fits you best.
See all options →Why take out your Flexible Guaranteed Savings with me.
I explain the guaranteed return and the flexibility conditions clearly, with no tie-in and no extra cost for advice.
- ✓ I confirm the current guaranteed return
- ✓ I explain withdrawal and pause conditions clearly
- ✓ Advice never costs you more
Registered with the Insurance Distributors Register (DGSFP) no. C0133X4340072H
About me →Before you write to me.
The questions I get asked most. If yours isn’t here, write to me and I’ll answer personally.
How much do I need to start? +
Can I take out the money if I need it? +
Do I have to set up payroll deposits or take out other products? +
Is the return fixed? +
Can I stop paying for a while? +
What happens if I die? +
Tell me your case and let’s see how your monthly savings fit.
A 5-minute call is enough to understand how it works. No obligation, and advice never costs you more.