Hoy por hoy, es imprescindible diseñar una organización financiera, tanto en la familia como en la empresa. Nuestra labor consiste en analizar las posibilidades de cada bolsillo, y ofrecer alternativas de inversión, para quien ya ha acumulado un capital y también para quien quiere construirlo mediante un proceso de ahorro progresivo.

El sector asegurador, no lo forman bancos, por lo que las cantidades depositadas tienen un grado de protección muy solvente. En caso de quiebra de una entidad aseguradora, las cantidades depositadas están protegidas por el Consorcio de Compensación de Seguros, que respondería del mismo modo que si de un siniestro de cualquier tipo se tratase. A esto hay que sumarle que la calificación que, las entidades evaluadoras de riesgo, conceden al sector asegurador, es muy superior que el que obtiene el mercado bancario.

Las modalidades de ahorro e inversión que ofrecemos son:


- Planes de pensiones (PRODUCTO A LARGO PLAZO):

Desde un 100% garantizado hasta modelos más arriesgados, se puede llegar a rentabilidades a largo plazo próximas al 30%. Consiste en una aportación puntual mes a mes, que puede combinarse con inyecciones puntuales en cualquier momento. Desde 2014 se puede rescatar el dinero acumulado en varios supuestos, además de la jubilación, que son: Paro de larga duración, Desahucio de la primera vivienda o Incapacidad Permanente.

Actualmente este es el único producto financiero que permite una desgravación fiscal del 100% de las cantidades aportadas al plan.


- Depósitos de ahorro (PRODUCTO A CORTO-MEDIO PLAZO):

Se fija una cantidad mensual, trimestral, semestral o anual, para ir haciendo aportaciones. Se puede rescatar a partir del sexto mes y se obtienen rentabilidades muy interesantes a partir del segundo año.


- Depósitos a plazo fijo (PRODUCTO A CORTO-MEDIO PLAZO):

Pensados para aquel inversor que ya dispone de un dinero ahorrado y quiere sacarle rendimiento. Se aporta un dinero y se fija un plazo determinado, 1, 3, 5, 10 años. El tipo de interés se fija también de antemano por lo que se establece por escrito que cantidad introducimos y la cantidad exacta que obtendremos al vencimiento. Este producto es ideal para clientes que no quieren arriesgar y les gusta ver todo muy claro y sin sobresaltos.


- Depósitos de renta variable (PRODUCTO A CORTO PLAZO):

Son productos que presentan una rentabilidad muy superior a la media del mercado, pero que a su vez consignan un mayor riesgo. Se aporta una cantidad económica determinada y seleccionamos que porcentaje de esa cantidad queremos arriesgar, el resto se somete a un tipo de interés fijo. Pueden ser inversiones de 75%, 50% o 25% de riesgo.

En cualquier caso, hay que tener siempre un asesoramiento profesional. En nuestro caso podemos aconsejar a nuestros clientes con total libertad sobre las bondades o carencias que tiene cada producto.


Para más información, escríbenos a: inversion@caryva.com


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