Caser Saving & Investment Solutions: the savings and investment offer from Caser.
Looking at Spaniards’ savings and investment needs, Caser Saving & Investment Solutions has consolidated Caser’s offer with a view to lifelong accompaniment and advice designed to enable clients to take the best possible savings and investment decisions, with a particular focus on persons aged over fifty.
Text Juan José Cotorruelo Photos provided
Some 40 % of the Spanish population is over fifty years old today, while more than 60 % of all net wealth is owned by households made up of persons aged between fifty and sixty-five, that being the average retirement age. And all the indications are that the likely ageing of the population will gather pace in coming decades. For all these reasons, the “silver economy”, as it is known, is set to become increasingly important.
Savings and investment formulas for persons over the age of fifty
The needs of a person who has just reached the age of fifty are not the same as those of someone who is about to retire or is already enjoying a well-merited retirement. That being so, Caser Saving & Investment Solutions is able to offer the most innovative and suitable investment solutions. They are designed to fit every risk profile, time horizon, purchasing power and personal circumstances. With a view to making the best offer for a particular stage in life and to meet individual aims, especially those of persons above the age of fifty-five (the time in life when people begin to plan how to maintain their standard of living after retiring), we work with a range of protection, investment, savings, retirement and property liquidity solutions.
To that end, we have developed the Caser Vitalidad protection solution; this is a life and accident insurance designed for persons over the age of fifty which includes a scale of capital payments for death and accidents that result in serious and heavy dependence. It also provides free services, such as telemedicine, home help and a travel website with discounts for the elderly.
We also offer a wide range of products to generate savings both through advice given by Caser Asesores Financieros – based on investment funds – and through pension plans with several kinds of investment.
Additionally, for persons over the age of sixtyfive, we offer annuities to provide the peace of mind that comes from the certainty of benefiting from an assured lifetime sum and the proceeds of a reverse mortgage to access the savings represented by home ownership.
All this is backed by a team of highly qualified professionals with the support of various specialised distribution networks (Agents and Brokers and Major Accounts), together with the Caser Asesores Financieros agents and those of Collective Life and Individual Life Business – making Caser Saving & Investment Solutions a leading player in the savings and investment sector in Spain.