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Savings Insurance

More potential for your money, with investment tailored to you

Fondvida is a savings-investment product: your contributions are invested in a fund basket chosen according to your risk profile. Compared to guaranteed savings, it has more return potential — but the value can go up or down. I’m with you in choosing it, with no promises on returns.

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Regular contribution · Same-day response · No extra cost for advice
Before you start, honestly
  • ✓ No guaranteed capital or interest: it’s real investment
  • ✓ You choose the basket according to your risk profile
  • ✓ I’m with you in the choice and the follow-up
What’s included

Savings-investment with real guidance.

It’s not "invest on your own and hope for the best" — I help you choose and follow up.

Fund basket

Your premiums are invested in a basket chosen according to your client profile.

More return potential

Compared to guaranteed savings, in exchange for taking on investment risk.

Market-linked value

The policy’s value rises or falls with the net asset value of the units.

Flexible regular contribution

With the option to adjust the basket to your profile over time.

No capital or interest is guaranteed: you take on the full investment risk and returns can be positive or negative; you could get back less than you paid in. This isn’t a product for money you can’t afford to see fluctuate. The risk level, basket composition and conditions are set out in the General and Specific Conditions and the pre-contractual documentation.

Who it’s for

For those who already have the basics covered and want more upside.

Savers with a medium/long-term horizon and some risk tolerance, who want to invest with guidance, not alone with an app.

How we work

Your Fondvida, in three steps.

No jargon, no upfront commitment.

1

We talk about your risk profile

How much fluctuation you can tolerate and over what horizon.

2

We choose the basket together

With full transparency about what it involves, including that it can fall.

3

I stay with you for the follow-up

You’re not left alone with an app: we keep reviewing it together.

Other Savings options

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

Flexible Guaranteed Savings

Regular contributions from €80/month, no strings attached, with guaranteed returns.

Discover the policy

See all Savings

Discover all 4 options and choose the one that fits you best.

See all options
MA
Micol Astorri
Insurance advisor
Why work with me

Why take out your Fondvida with me.

I never promise a return I can’t guarantee. I explain honestly what investing involves — including that the value can fall — and I help you choose the basket based on your real profile, not the one that would suit me to sell.

  • ✓ Full transparency about risk, always
  • ✓ Basket choice based on your real profile
  • ✓ Advice never costs you more
  • ✓ From Elche (Alicante), serving clients across Spain
"Micol is brilliant! She sorts everything out and explains it in real detail. An excellent professional — I recommend her 100%."
★★★★★
Silvana Farias · Client

Registered with the Insurance Distributors Register (DGSFP) no. C0133X4340072H

About me
Frequently asked questions

Before you write to me.

The questions I get asked most. If yours isn’t here, write to me and I’ll answer personally.

Is what I invest guaranteed?
No. It’s investment: returns can be positive or negative and you could get back less than you paid in. That’s why we choose it based on your profile.
How is it different from guaranteed savings?
Here you seek more return by taking on risk; with guaranteed products (Flexible, Super Plan) you know what you’ll earn with no surprises.
Can I choose where it’s invested?
Yes, among different baskets or risk profiles. We decide together based on your tolerance.
How long is it for?
It’s a medium/long-term product; it’s best not to need the money in the short term.
Can I contribute gradually?
Yes, it accepts regular contributions.
Do you stay with me, or am I left alone with an app?
I stay with you in the choice and the follow-up; it’s not "invest on your own and hope for the best".
Can I lose all the money invested in Fondvida?
The risk depends on the fund basket chosen and how the market performs; there can be losses, although losing the entire capital is an extreme, unlikely scenario. We choose the basket based on your real risk profile, so it’s consistent with what you’re willing to take on.
How often can I change my Fondvida’s investment basket?
You can request changes to the basket or risk profile as often as the product’s conditions allow; I’ll support you in the decision every time you want to review it.
Does Fondvida charge management fees?
Yes, like any investment product, it has fees associated with managing the fund basket; they’re detailed in the pre-contract documentation, which we go through together before you take out the policy.
Can I withdraw from Fondvida at any time without penalty?
It depends on the agreed conditions; generally, withdrawals are allowed, but the surrender value will reflect the net asset value at that moment, which may be lower than what you’ve paid in if the market has fallen.
Is Fondvida a good fit if I’m very conservative with money?
If you prefer total security with no fluctuations, the guaranteed products (Flexible Guaranteed Savings, Super Plan or the Children’s Savings Plan) will probably suit you better; Fondvida is designed for those who accept a degree of risk in exchange for more return potential.
Can I combine baskets with different risk levels within the same Fondvida policy?
Depending on the product, it’s possible to split the investment across several baskets with different risk profiles; we assess this together based on your tolerance and goal.
How do I know which risk profile fits me?
We work it out through a conversation about your time horizon, your financial situation and your real tolerance for seeing your savings’ value fall; it’s not a decision you should have to make alone with an app.
Does Fondvida include death cover like the other savings products?
It includes a life insurance element of its own; the exact scope is confirmed in the policy wording in force, and I’ll explain it before you take out the policy.
Can I start with a small amount in Fondvida, or do I need a large sum?
It accepts regular contributions, so you don’t need a large amount to start; we adjust the contribution to whatever feels comfortable for you.
What happens with Fondvida if I need the money before the recommended time horizon?
You can request a withdrawal, but since it’s a medium/long-term product, withdrawing early increases the risk of getting back less than you paid in if the market is down at that moment.
Do I get regular updates on how my Fondvida is performing?
Yes, you’re informed periodically of the net asset value and how the policy is performing; and you can also ask me for a review whenever you want to better understand how it’s going.
Is Fondvida the same as an investment fund I’d take out at a bank?
They’re similar in that both invest in markets and the value fluctuates, but Fondvida is a life-savings insurance policy with its own tax structure and cover, different from that of a pure bank investment fund.
Can I switch from Fondvida to a guaranteed product if the risk makes me uneasy?
We can look at a transfer or withdrawal towards a guaranteed product such as Flexible Guaranteed Savings or the Super Plan; we’d study it together based on the conditions in force at that time.
Does Fondvida at least guarantee I’ll get back what I paid in?
No, and that’s the key thing to bear in mind: there’s no guarantee of capital or interest, and you could get back less than you paid in. That’s why I always explain it with total transparency before you decide.
Let’s start

Tell me your profile and let’s choose your basket together.

A 5-minute call is enough to know if Fondvida suits you. No obligation, and advice never costs you more.

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