Why can’t the Fund be mobilised?

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In the form proposed by some members, it has never been possible to mobilise it, as it is not permitted by law, nor does the Specifications provide for it in occupational pension plans. The only ones who can do so are suspended participants, which are those who voluntarily, disciplinarily or causally have definitively terminated their employment relationship with CaixaBank and do not receive contributions to the Pension Plan. Since March 2008, this right has been limited to suspended participants under 60 years of age.

It must be made very clear that neither early retirees nor retirees, partial or permanent, have the status of suspended participants.

Pre-retirees, partial retirees and retirees who are no longer in retirement have the status of active participants conferred on them by the regulations in force and the Plan Specifications, as they continue to receive contributions from the Promoter.

Pensioners, whether or not they have received the benefit, become beneficiaries at the time of the contingency, all they can do is redeem the Plan (paying the corresponding IRPF) and then manage it at their convenience.