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Young couple jumping for joy, Allianz Plan Extra monthly income from savings in Spain

Allianz Plan Extra in Spain

What if your money worked to give you a steady income every month? With Plan Extra you invest once in the Allianz Global Investors fund that best suits your profile and receive a regular payment into your bank account every month, with no paperwork. A popular choice for retirees and expats who want a monthly income in euros while their savings stay professionally managed.

Invest once and receive a regular monthly payment in euros, managed by Allianz Global Investors. Advice in English from Murcia.

Calculate my monthly income

View DMAS funds

Professional management by Allianz Global Investors icon

Professional management by Allianz Global Investors

Monthly payments fixed for 12 months at a time icon

Monthly payments fixed for 12 months at a time

4 fund profiles to match your risk tolerance icon

4 fund profiles to match your risk tolerance

Income funds

Four distribution funds for every investor profile

Plan Extra DMAS 15 (Conservative) icon

Plan Extra DMAS 15 (Conservative)

Estimated annual distribution: ~2.5%. The most defensive income fund, putting stability and capital preservation ahead of maximum return, with mainly fixed-income positioning. Suited to a steady monthly income with minimal exposure to market swings.

Plan Extra DMAS 30 (Moderate) icon

Plan Extra DMAS 30 (Moderate)

Estimated annual distribution: ~3%. A step up in return without taking too much risk. Fixed income remains the base, with limited exposure to global equities to improve the monthly payment while keeping stability.

Plan Extra DMAS 50 (Balanced) icon

Plan Extra DMAS 50 (Balanced)

Estimated annual distribution: ~4%. A balance between return and risk, with around 50% in equities and 50% in fixed income. The preferred option for investors who want an attractive monthly income with moderate, actively managed volatility.

Plan Extra DMAS 75 (Growth) icon

Plan Extra DMAS 75 (Growth)

Estimated annual distribution: ~6%. The highest potential monthly income in the range. With mainly global equities (~75%), it's the most growth-oriented option and accepts higher volatility. Recommended for investors with a long time horizon.

How it works

Getting an extra income every month is this simple

You invest according to your profile icon

You invest according to your profile

With your adviser, you choose the DMAS fund that best matches your risk tolerance.

You choose how much to invest icon

You choose how much to invest

You decide the amount you want to invest. Your money, your decision.

You receive monthly payments icon

You receive monthly payments

For 12 months the planned payments arrive automatically in your bank account. Then the amount is recalculated for the next 12 months.

Enjoy your extra income icon

Enjoy your extra income

Reinvest it, cover your bills in Spain or simply enjoy it, always with the support and follow-up of your adviser.

Good to know

A monthly income in Spain: four things expats should know

An income in euros icon

An income in euros

If your pension or savings are in pounds, dollars or another currency, a monthly income in euros can help you cover your Spanish bills without worrying about the exchange rate every month.

An income in euros icon

An income in euros

If your pension or savings are in pounds, dollars or another currency, a monthly income in euros can help you cover your Spanish bills without worrying about the exchange rate every month.

The payments come from the fund icon

The payments come from the fund

Each monthly payment reduces the fund's unit price by the same amount, as with a dividend. The income is not guaranteed and your capital can rise or fall with the markets.

The payments come from the fund icon

The payments come from the fund

Each monthly payment reduces the fund's unit price by the same amount, as with a dividend. The income is not guaranteed and your capital can rise or fall with the markets.

How the payments are taxed icon

How the payments are taxed

For Spanish tax residents, the payments are taxed as savings income and 19% is normally withheld at source, which counts towards your annual Spanish tax return.

How the payments are taxed icon

How the payments are taxed

For Spanish tax residents, the payments are taxed as savings income and 19% is normally withheld at source, which counts towards your annual Spanish tax return.

Reviewed every 12 months icon

Reviewed every 12 months

The monthly amount is fixed for 12 months and then recalculated using the fund's value at that time. You can keep the plan, change profile or cash out.

Reviewed every 12 months icon

Reviewed every 12 months

The monthly amount is fixed for 12 months and then recalculated using the fund's value at that time. You can keep the plan, change profile or cash out.

Income calculator

Allianz Plan Extra calculator: estimate your monthly income today

Allianz Plan Extra calculator: estimate your monthly income today

Imagine receiving a monthly ‘rent’ without buying a property, paying IBI or dealing with tenants who don’t pay. That’s the idea behind Allianz Plan Extra. Use the official calculator to see what monthly payment you could receive: just enter the capital you have sitting in the bank and choose one of the four risk profiles managed by Allianz Global Investors. The official tool is in Spanish: if you prefer, we’ll run the numbers with you in English.

Imagine receiving a monthly ‘rent’ without buying a property, paying IBI or dealing with tenants who don’t pay. That’s the idea behind Allianz Plan Extra. Use the official calculator to see what monthly payment you could receive: just enter the capital you have sitting in the bank and choose one of the four risk profiles managed by Allianz Global Investors. The official tool is in Spanish: if you prefer, we’ll run the numbers with you in English.

Open the official calculator

Official Allianz Plan Extra calculator showing an example of monthly income from a DMAS fund
Official Allianz Plan Extra calculator showing the Allianz Global Investors income funds by risk level

Real example from the official calculator: in this simulation, an investment of €100,000 in the Allianz Dynamic Multi Asset Strategy SRI 75 fund (with a target distribution of 6.00% a year) generates a recurring monthly income of €476.11 a month (equivalent to €5,713.28 a year, before tax). The income is an estimate and is not guaranteed.

Real example from the official calculator: in this simulation, an investment of €100,000 in the Allianz Dynamic Multi Asset Strategy SRI 75 fund (with a target distribution of 6.00% a year) generates a recurring monthly income of €476.11 a month (equivalent to €5,713.28 a year, before tax). The income is an estimate and is not guaranteed.

FAQs

Allianz Plan Extra: frequently asked questions

Allianz Global Investors

The strength of a world-class asset manager

More than €500 billion in assets under management icon

More than €500 billion in assets under management

An ESG pioneer with more than 25 years of experience icon

An ESG pioneer with more than 25 years of experience

Roots going back to 1955 icon

Roots going back to 1955

Active in more than 35 markets icon

Active in more than 35 markets

Part of the Allianz Group icon

Part of the Allianz Group

AMB Seguros is an exclusive Allianz agency in Murcia helping expats, retirees and local families turn their savings into a monthly income with Allianz Plan Extra. Visit our office or book a video call and we’ll work out how much you could receive each month, in English and with no obligation.

This is a marketing communication. Past performance is not a reliable indicator of future results. Investing involves risk: the value of units can go down as well as up, and investors may not get back the amount originally invested. Read the fund prospectus and the key information document (KID) before making any final investment decision. Allianz Global Investors GmbH, Sucursal en España, regulated by BaFin and the CNMV.