This is an investment mechanism for the medium and long term that allows saving discipline with the target of consolidating a capital to enjoy a tranquil and safe future, with an ideal complement to the mandatory pension established by Colombian law. You can make come true your family's projects and yours.
The contribution that the affiliate chooses to make can be periodical or systematic, occasional or for a single time, in tune with the personal financial plan. For the institutional or company plans, the amount and frequency corresponds to what is established by the sponsor entity.
The affiliates and the sponsor entities have an Investment Platform integrated by the Stable Portfolio, the Open Alternatives and the Closed Alternatives.
When you make contributions to the Vision Voluntary Pension Fund, you can take resources to diverse portfolios according to the risk profile. The saved money can be invested in Colombian fixated income titles, colombian stock, real estate, international stock, among others.
Besides obtaining profitabilities in the long term, the contributions to a voluntary pension will allow you to obtain several benefits. On one hand, you can diminish the source tax and the annual income tax. On the other hand, the profitabilities that you obtain through the fund will be a non taxable income.
These benefits will be permanent as long as you comply with the next rules: 1) The contributions must remain 10 years in the Voluntary Pension Fund. 2) If you withdraw contributions, these must be used for housing acquisition.
- Companies can sponsor the saving plans of their workers and make contributions via Vision Voluntary Pension Fund, with the purpose of upgrading their work and pensional welfare.
- The company contributions can be conditioned, so the sponsors define the requisites that must be fulfilled so the workers can benefit from such contributions.
- Companies have tax breaks in the income tax and in CREE, as well as working benefits, when they structure company plans in the Vision Voluntary Pension Fund.
This alternative will allow to access fixated income titles issued by the National Government (priced in currency or UVR), Term Deposit Certificates, bonds issued by financial entities or real sector entities, pensional bonds and securitisations.