ESP 
PENSION PLANS
Securing Your Future
with Miraltabank
Prepare for the future with a
pension plan tailored to you.
At Miraltabank, we understand that retirement planning is one of the most important financial decisions of your life. Our pension plans offer you the peace of mind that comes from knowing your savings are in expert hands, managed by professionals who prioritise your long-term financial security.
Miralta
Global
EQUITY
For investors with a long time horizon until retirement who are seeking long-term returns.
Miralta
Crecimiento
MIXED EQUITY
For investors with a long time horizon until retirement who are seeking long term returns through high-quality companies.
Miralta
Patrimonio
MIXED FIXED INCOME
For investors with a short time horizon until retirement who are seeking stability in their wealth.
New 0.25% loyalty bonus
At Miraltabank, we have introduced a 0.25% bonus on the average annual balance held in our pension plans, in recognition of those who commit to long-term saving.
The bonus:
1
It is calculated based on the amount held in the plan (average annual balance)
2
It is paid every 5 years
3
It applies retroactively from 1 January 2025, covering assets accumulated since 1 January 2024
4
Includes contributions and vested rights transferred from other institutions (internal transfers are excluded)
Why a Pension Plan?
Invest your wealth with ease and enhance your purchasing power for retirement.
Tax Benefits
Voluntary and Flexible
Contributions
Tax-free transfer between
investment products
Professional Management
Option to redeem after 10
years
Plan for your future today
Build your peace of mind with the pension plan designed for you