PENSION PLANS
Social Welfare Mutual Society for Authors and Publishers

Since 1914, the Mutual fund for Authors and Publishers (MAE), has been offering SGAE members, along with their direct relatives as well as SGAE and SGAE Foundation employees, savings schemes through an insurance which guarantees an ever increasing value to their contributions, as well as excellent returns. SGAE's position as partner protector allows for a very significant increase in returns through obtaining a lower cost of service and ease of management as the contributions either originate from each one of the SGAE copyrights, with the Society Member setting the desired percentage, or in the way that the Society Member decides, or by adapting to variable or fixed systems of periodic contributions.

Futurautor Assured Savings Plan

The Futurautor Assured Savings Plan constitutes a savings system with the aim of establishing long-term capital with guaranteed returns and additional coverage in case of death or disability.
This plan allows you to combine systematic and extraordinary contributions with the possibility to have the capitalized contributions available without costs or penalties of any kind and at any time.
Always under the supervision of the Directorate General of Insurances.

 

Assured Savings Plan for Authors and Publishers

The Society guarantees a return and a share in the benefits derived from financial investments, which together with advantageous taxation benefits represents an optimal vehicle for your savings.
We always guarantee the preservation of accumulated capital and market returns without taking situations that generate losses for your savings.

OUR PLANS
Futurautor Welfare Plan
  • Who can belong to the Futurautor Plan?

    Only SGAE member authors or publishers or the spouse and children of the society member and SGAE and SGAE Foundation employees, by the simple process of completing the membership form which can be downloaded from this page

  • How can I make contribution to the Futurautor Plan?

    In a very flexible way, the percentage of the SGAE copyright you wish to apply as a contribution to the Plan is shown on the form, or you can set your own contributions plan, without obligation and with full flexibility.​

  • Is there a guaranteed return?

    Yes, currently the interest rate applied is 1.5% per annum, with the rates applied over the last three years being:              
    2015: 2.25%
    2014  2.98%
    2013: 2.98% ​

  • What fees or commissions have to be borne?

    Expenses for the administration of your money are reduced by the SGAE participating as patron member, therefore only authors and publishers can be our policy holders and in the event of you wishing to withdraw all or part of your savings there are no fees or commissions.

OUR PLANS
Authors and Publishers Insured Benefit Plan
  • Who can belong to the Assured Savings Plan?

    Only SGAE member authors or publishers or the spouse and children of the society member as well as SGAE and SGAE FOUNDATION employees, by the simple process of completing the membership form that can be downloaded from this page

    ​​​

  • How I can make contributions to the Futurautor Plan?

    In a very flexible way, the percentage of the SGAE copyright you wish to apply as a contribution to the Plan is shown on the form, or you can set your own contributions plan, without obligation and with full flexibility.

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  • Can I move my current Pension Plan to the Assured Savings Plan for Authors and Publishers?

    Yes. You can request the transfer of the vested rights you have in Pension Plans or Assured Savings Plans with other entities simply by filling out the form below and the Mutual fund will mobilise your vested rights at no cost.​ ​

  • Is there a guaranteed return?

    Yes, currently the interest rate applied is 1.5% per annum, with the rates applied over the last three years being: 2015: 2.25% 2014 2.98% 2013: 2.98% ​

OUR PLANS
The advantages of the plans
Futurautor Welfare Plan Guaranteed Welfare Plan for Authors and Publishers
Features

Systematic savings plan.​

Assured Retirement Plan​

Taxation of contributions

​Contributions not reducible from the taxable income base

Contributions reducible on the taxable income base with the same taxation as pension plans.

Compatibility

Compatible with any other savings system.

System compatible with any other pension plan, with legal contribution limits. It allows you to receive / issue transfers from / to other Pension funds or Assured Savings Plans​

Profitability

Assured 1'5%. In addition Society Members receive the financial benefits of the Plan​

Assured 1'5%. In addition Society Members receive the financial benefits of the Plan

Liquidity

It can be fully or partially redeemed at any time without penalty as from the first year

Redeemable on the assumptions set out in the regulations: retirement, death or disability. Also in cases of long-term unemployment, serious illness or eviction.

Expenses or commissions on the benefits and redemptions

Recovery and benefits without charges or penalties

Transfers and benefits, without charges or commissions.

Benefits and taxation

Liquidity at any time in whole or in part. Taxed only on the financial yields based on capital gains​

Total or partial benefits. Fully taxed as income from work

The Children's Theatre Prize SGAE Foundation has supported my way in theater for children and youth

Itziar PascualWinner of the XVI SGAE Children's Theatre Prize 2015