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Capitalization Insurance - Aforro 4

Invest with flexibility and low risk.

With UNA Aforro 4, your capital is guaranteed by the insurer and you have full liquidity.

€0 in fees

You pay no subscription fee.

Full liquidity

Make total or partial redemptions at any time.

Tax benefit

Benefit from lower taxation.

Low risk

Your capital is guaranteed by the insurer.

Term

8 years

Minimum Subscription Amounts

One-off or additional deposits: €1000.00 and a maximum of €125,000.00 per insured person.

Capital guarantee

Yes

Profit-sharing

Yes
Profit-sharing is calculated annually on December 31 and allocated from 2024

Rates

2021: 0.40%/year
2022: 0.40%/year
2023: 0.40%/year
Subsequent years: The revaluation rate will be set for each year on December 31 of that year.

Subscription fee

0%

Payout fee

Year 1: 1% on the policy balance.
Year 2: 0.5% on the policy balance.
Year 3: 0.25% on the policy balance
From year 4 onwards, no payout fee applies.
The payout fee does not apply in the event of death of the insured.

Summary Risk Indicator (SRI)

1 Low
The product is classified on a scale from 1 (lowest risk) to 7 (highest risk).

Tax System

The income of Individuals is taxed pursuant to the legislation in force on the date of payout. Currently, the minimum rates applied are 11.2% from year 8 and 22.4% between years 5 and 8. If withdrawn before year 5, or if the investment made in the first half of the contract is less than 35% of the total investment, the rate will be 28%. See the tax guide for more information.

Term

8 years

Minimum Subscription Amounts

One-off or additional deposits: €1000.00 and a maximum of €125,000.00 per insured person.

Capital guarantee

Yes

Profit-sharing

Yes
Profit-sharing is calculated annually on December 31 and allocated from 2024

Rates

2021: 0.40%/year
2022: 0.40%/year
2023: 0.40%/year
Subsequent years: The revaluation rate will be set for each year on December 31 of that year.

Subscription fee

0%

Payout fee

Year 1: 1% on the policy balance.
Year 2: 0.5% on the policy balance.
Year 3: 0.25% on the policy balance.
From year 4 onwards, no payout fee applies.
The payout fee does not apply in the event of death of the insured.

Summary Risk Indicator (SRI)

1 Low
The product is classified on a scale from 1 (lowest risk) to 7 (highest risk).

Tax System

The income of Individuals is taxed pursuant to the legislation in force on the date of payout. Currently, the minimum rates applied are 11.2% from year 8 and 22.4% between years 5 and 8. If withdrawn before year 5, or if the investment made in the first half of the contract is less than 35% of the total investment, the rate will be 28%. See the tax guide for more information.

How to open an Account

There are several ways you can open an account. Choose the one for you.

Best Bank app

Download the Best Bank app and open your account.

Download the Best Bank app

Website

Use your digital mobile key or quick fill.

Open account now

Useful documents

BEA

Still have questions? We're here to help.

Ask your digital assistant, which is always available to help you.

Ask BEA

* Aforro 4 is a capitalization insurance product of UNA Seguros de Vida, S.A., with registered offices at Av. de Berna, 24 – D ,1069-170 Lisbon, Portugal. This product is sold by BEST - Banco Electrónico de Serviço Total, S.A., with registered offices at Praça Marquês de Pombal, 3, 3.º, 1250-161 Lisbon, Portugal, with share capital of €63,000,000, registered with the Autoridade de Supervisão de Seguros e Fundos de Pensões (Portuguese Insurance and Pension Funds Supervisory Authority) as an Insurance Agent, on 03/13/2008, under no. 408 268 350, and authorized to sell life insurance, non-life insurance and pension funds. Best Bank is not authorized to receive insurance premiums for delivery to insurance companies. As an intermediary, Best Bank does not assume risk coverage and does not enter into contracts on behalf of the Insurers.

All intermediary information can be found at www.asf.com.pt.

This does not preclude reading the legally required pre-contractual and contractual information.