Mutua Madrileña launches Plan Ahorro Plus Fidelidad VI with attractive returns.

In a financial context where consumers are looking for safe alternatives to increase their savings, Mutua Madrileña has responded to this need by launching the Plan Ahorro Plus Fidelidad VI. This new product is a savings life insurance policy that guarantees a gross return of 2.75% during the first year, which translates to a net return of 2.25%, a proposal that stands out as attractive in a market where interest rates have been declining. The main appeal of the Plan Ahorro Plus Fidelidad VI is its accessibility, as it can be taken out with a minimum contribution of 750 euros, with no maximum investment limit and without the need to link to other products from the entity. This flexibility allows users to manage their savings more efficiently and according to their financial capabilities. This insurance not only focuses on savings but also offers a death benefit. In the event of the insured's death, the beneficiaries will receive the total accumulated savings at that time, plus an additional capital equivalent to 10% of the accumulated savings at the beginning of each annual period, with a range varying between a minimum of 150 euros and a maximum of 1,200 euros. This approach provides dual protection for the insured and their families, making it particularly appealing for those seeking financial security. Marta León, director of life insurance at Mutua Madrileña, has emphasized that the Plan Ahorro Plus Fidelidad VI is designed for clients with a low-risk profile who desire conservative investment solutions. At a time when many investment options are affected by economic instability, this product presents a viable alternative to investing in public debt, bank accounts, or deposits. The insurance is classified with a risk level of 1 on a scale of 1 to 6, indicating its low risk. Since the introduction of this range of insurances in 2022, the balance of the accumulated provision has reached 348 million euros, demonstrating the acceptance and trust it has generated in the market. It is relevant to mention that the product will only be taxed in the event of partial or total redemption, considering the generated returns as capital gains, while the death benefit is subject to Inheritance and Donations Tax. This tax aspect may serve as an additional incentive for potential policyholders looking to maximize the return on their savings. However, it is important for users to be aware that if they decide to withdraw their investment during the first year, a penalty of 3% will be applied to the accumulated savings. This condition highlights the need for investors to assess their ability to maintain their savings in the long term before opting for this product. The management of this insurance portfolio is in the hands of Mutuactivos, the asset management entity of Mutua Madrileña, which positions itself as the leading independent manager of banking groups by volume of savings in investment funds, according to data from Inverco at the end of November 2024. This experience in asset management adds an additional level of confidence for those choosing this product. Currently, Mutuactivos SGIIC and Mutuactivos Inversiones AV manage over 14 billion euros in investment funds, managed portfolios, pension plans, and savings insurance. This solid track record supports the proposal of the Plan Ahorro Plus Fidelidad VI, presenting it as a reliable and low-risk option within the current financial landscape. In summary, the arrival of the Plan Ahorro Plus Fidelidad VI to the market represents a response to the needs of savers who prioritize security and profitability in their investments. With its attractive 2.75% guaranteed return in the first year and its design tailored for conservative investors, this new product could become a preferred option for those seeking stability in an uncertain economic environment.