Capital savings with PIAS and SIALP: how to grow your money safely

In an ever-changing economic environment, planning your savings is essential—especially for freelancers and SMEs. At Allianz Global D’Ara, with offices in Mataró and Canet de Mar, we help professionals across the Maresme area make smart financial decisions and build a more secure future.

PIAS and SIALP products have become two highly attractive options for those seeking secure savings, tax advantages, and tailored returns.

What is capital savings and why it matters

Capital savings means setting aside part of your income for the future. For freelancers and businesses, this is particularly important due to irregular income and limited public coverage.

A well-defined savings strategy helps you handle unexpected events, prepare for retirement, and achieve financial peace of mind.

What is a PIAS

A PIAS (Individual Systematic Savings Plan) allows you to save progressively through regular contributions. Over time, the accumulated capital can be converted into a lifetime annuity with significant tax benefits.

It is especially suitable for freelancers or professionals with variable income who want flexible, long-term financial planning.

What is a SIALP

A SIALP (Long-Term Individual Savings Insurance) is designed for more conservative profiles. It guarantees the invested capital and offers tax benefits if held for at least five years.

It is ideal for those who prioritize security and want a stable way to protect their savings.

PIAS or SIALP: which one to choose

The right choice depends on your goals. If you are looking for long-term growth and higher potential returns, a PIAS may be the best option. If you prefer maximum security and capital protection, a SIALP is more suitable.

Smart savings for freelancers and SMEs in Maresme

More and more freelancers and small businesses in Mataró, Canet de Mar, and nearby areas are choosing PIAS and SIALP solutions to complement retirement, protect assets, and gain peace of mind.

At Allianz Global D’Ara, we help you identify the best option based on your needs, goals, and risk profile. If you want to start building a solid savings plan, our team is here to support you.

Request your personalized savings study and discover how PIAS and SIALP can help you build a safer financial future.