MyInvestor Cartera Permanente PP
Total fee
~0.60%
Hist. return*
~5%
Risk
4/7
MyInvestor Cartera Permanente PP is an individual pension plan (PPI) managed by MyInvestor, with indexed (passive) management tracking Cartera permanente (25% renta variable / 25% oro / 25% bonos largo plazo / 25% liquidez). Its approximate total fee (management + custody) is 0.60%, with a 4/7 risk indicator.
Manager's websiteFull factsheet
- Manager
- MyInvestor
- Index / portfolio
- Cartera permanente (25% renta variable / 25% oro / 25% bonos largo plazo / 25% liquidez)
- Total fee
- ~0.60%
- Hist. return*
- ~5%
- Risk
- 4/7
- Management
- Indexed
Catalog last reviewed on 03/07/2026.
Frequently asked questions
What does MyInvestor Cartera Permanente PP invest in?+
It tracks Cartera permanente (25% renta variable / 25% oro / 25% bonos largo plazo / 25% liquidez), with 4/7 risk. Check the official factsheet for the exact underlying holdings.
What is the total fee?+
Approximately 0.60% (management + custody combined). This is an approximate figure, not verified to the decimal — confirm the exact current fee on MyInvestor's own factsheet before subscribing.
Can I withdraw the money whenever I want?+
No — pension plans in Spain can only be redeemed at retirement, or in specific cases (severe illness, long-term unemployment, or contributions held for more than 10 years, depending on current regulation). Unlike an index fund, liquidity is restricted by law.
A sample of real plans: robo-advisors and indexed plans (lower fees) plus a selection of well-known traditional-bank plans (BBVA Telecomunicaciones, etc.), not an exhaustive list. The total fee is approximate (management + custody) and traditional-bank plans are usually significantly more expensive than indexed ones — always confirm the exact figure in the official factsheet before subscribing. * Historical return is that of the underlying long-term reference index or portfolio, not of the specific plan (which also deducts the TER every year); past returns don't guarantee future returns. Pension plans have different taxation and liquidity rules than index funds: consult an advisor before deciding.