{"id":3382,"date":"2026-06-05T15:47:37","date_gmt":"2026-06-05T15:47:37","guid":{"rendered":"https:\/\/joseselles.com\/investments-for-self-employed-in-mallorca-options-and-how-to-plan-for-them\/"},"modified":"2026-06-05T16:33:42","modified_gmt":"2026-06-05T16:33:42","slug":"investments-for-self-employed-in-mallorca-options-and-how-to-plan-for-them","status":"publish","type":"post","link":"https:\/\/joseselles.com\/en\/investments-for-self-employed-in-mallorca-options-and-how-to-plan-for-them\/","title":{"rendered":"Investments for self-employed in Mallorca: options and how to plan for them"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3382\" class=\"elementor elementor-3382 elementor-3275\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a5cb557 e-flex e-con-boxed e-con e-parent\" data-id=\"4a5cb557\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d84deaf elementor-widget elementor-widget-text-editor\" data-id=\"2d84deaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\"><br \/>{<br \/>\"@context\": \"https:\/\/schema.org\",<br \/>\"@type\": \"FAQPage\",<br \/>\"mainEntity\": [<br \/>{<br \/>\"@type\": \"Question\",<br \/>\"name\": \"\u00bfCu\u00e1nto puede invertir y deducir un aut\u00f3nomo en un plan de pensiones en 2026?\",<br \/>\"acceptedAnswer\": {<br \/>\"@type\": \"Answer\",<br \/>\"text\": \"Un aut\u00f3nomo puede aportar hasta 5.750 euros anuales con derecho a deducci\u00f3n en el IRPF: 1.500 euros del plan individual m\u00e1s 4.250 euros del plan de empleo simplificado para aut\u00f3nomos. Esa deducci\u00f3n est\u00e1 limitada adem\u00e1s al 30% de los rendimientos netos del trabajo y actividades econ\u00f3micas. Es una de las pocas herramientas que combinan ahorro para la jubilaci\u00f3n y reducci\u00f3n inmediata de impuestos.\"<br \/>}<br \/>},<br \/>{<br \/>\"@type\": \"Question\",<br \/>\"name\": \"\u00bfEs mejor para un aut\u00f3nomo invertir en un plan de pensiones o en un fondo indexado?\",<br \/>\"acceptedAnswer\": {<br \/>\"@type\": \"Answer\",<br \/>\"text\": \"Cada uno cumple una funci\u00f3n. El plan de pensiones desgrava hoy pero el dinero queda inmovilizado hasta la jubilaci\u00f3n (salvo supuestos concretos). El fondo indexado no desgrava, pero ofrece liquidez y suele tener costes bajos. Lo habitual es combinarlos: el plan para el ahorro de jubilaci\u00f3n y la ventaja fiscal, y el fondo para objetivos a medio plazo o por si necesitas el dinero antes.\"<br \/>}<br \/>},<br \/>{<br \/>\"@type\": \"Question\",<br \/>\"name\": \"\u00bfC\u00f3mo invierte un aut\u00f3nomo con ingresos estacionales del turismo en Mallorca?\",<br \/>\"acceptedAnswer\": {<br \/>\"@type\": \"Answer\",<br \/>\"text\": \"La estrategia m\u00e1s realista es aportar un porcentaje de cada ingreso en lugar de una cuota fija. En temporada alta inviertes m\u00e1s y en temporada baja reduces o paras, sin romper el h\u00e1bito. Conviene apartar parte de la facturaci\u00f3n del verano para sostener la inversi\u00f3n durante el invierno, de modo que el plan no dependa solo de los meses buenos.\"<br \/>}<br \/>},<br \/>{<br \/>\"@type\": \"Question\",<br \/>\"name\": \"\u00bfQu\u00e9 fondo de emergencia necesita un aut\u00f3nomo antes de empezar a invertir?\",<br \/>\"acceptedAnswer\": {<br \/>\"@type\": \"Answer\",<br \/>\"text\": \"Un aut\u00f3nomo deber\u00eda tener entre 6 y 12 meses de gastos cubiertos antes de invertir a largo plazo, m\u00e1s margen que un asalariado por la irregularidad de sus ingresos y por su menor protecci\u00f3n frente al desempleo. Ese colch\u00f3n debe estar en productos l\u00edquidos y seguros, no invertido en renta variable, para poder usarlo sin p\u00e9rdidas ante un imprevisto o un mes flojo.\"<br \/>}<br \/>}<br \/>]<br \/>}<br \/><\/script>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28e4dd87 e-flex e-con-boxed e-con e-parent\" data-id=\"28e4dd87\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4dae5f97 elementor-widget elementor-widget-text-editor\" data-id=\"4dae5f97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<p><\/p>\n\n\n\n<p><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-713c0833 e-con-full e-flex e-con e-parent\" data-id=\"713c0833\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37af2de4 elementor-widget elementor-widget-heading\" data-id=\"37af2de4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Investments for Self-Employed in Mallorca: Options and How to Plan Them<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-263e3f1c elementor-widget elementor-widget-image\" data-id=\"263e3f1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/joseselles.com\/wp-content\/uploads\/2026\/06\/inversiones-para-autonomos-en-mallorca-1024x683.jpg\" class=\"attachment-large size-large wp-image-3333\" alt=\"Inversiones para aut\u00f3nomos \u2014 gu\u00eda de Jos\u00e9 Sell\u00e9s, Mallorca\" srcset=\"https:\/\/joseselles.com\/wp-content\/uploads\/2026\/06\/inversiones-para-autonomos-en-mallorca-1024x683.jpg 1024w, https:\/\/joseselles.com\/wp-content\/uploads\/2026\/06\/inversiones-para-autonomos-en-mallorca-300x200.jpg 300w, https:\/\/joseselles.com\/wp-content\/uploads\/2026\/06\/inversiones-para-autonomos-en-mallorca-768x512.jpg 768w, https:\/\/joseselles.com\/wp-content\/uploads\/2026\/06\/inversiones-para-autonomos-en-mallorca.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51486bad elementor-widget elementor-widget-text-editor\" data-id=\"51486bad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000;\">Investments for the self-employed in Mallorca serve two functions: to build a cushion for retirement &#8211; which the self-employed are not guaranteed &#8211; and to reduce the tax bill. In 2026, a self-employed person can contribute up to \u20ac5,750 a year to a simplified employment pension plan (\u20ac4,250 for being self-employed plus \u20ac1,500 from the individual plan) and deduct it in the IRPF, with the limit of 30% of their net income. In addition to this, there are index funds, deposits and other products. The key in Mallorca is to invest adapting to the seasonal income from tourism.   <\/span><\/p><p><span style=\"color: #000000;\">If you are self-employed in Mallorca, you know what a good summer and a weak winter are like. Income is not a fixed payroll: it goes up and down. And that makes investing seem complicated or a luxury for when &#8220;things go well&#8221;. Wrong. Precisely because your public pension will be modest and your income is irregular, investing in an orderly way is more necessary for you than for an employee. Let&#8217;s take a look at it.     <\/span><\/p><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">Why should a freelancer in Mallorca invest and not just save?<\/span><\/h2><p><span style=\"color: #000000;\">Because the public pension of the self-employed is usually low and the money that is not being used loses value with inflation. The majority of the self-employed in Spain contribute at the minimum rate, which translates into a reduced retirement pension. If you don&#8217;t build up your own capital, you reach 67 with much less than you need.  <\/span><\/p><p><span style=\"color: #000000;\">Saving in the current account is not enough. With inflation, this money loses purchasing power every year. Investing &#8211; wisely and according to your profile &#8211; is what makes your effort today worth something tomorrow. And for a freelancer in Mallorca, where many businesses live off tourism and invoice the bulk between April and October, having invested capital is also the net that sustains the slow months. I always connect it with the <a style=\"color: #000000;\" href=\"https:\/\/joseselles.com\/en\/financial-planning-for-the-self-employed-in-5-steps\/\">economic planning of a freelancer in 5 steps<\/a>.    <\/span><\/p><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">What investment options does a freelancer have in 2026?<\/span><\/h2><p><span style=\"color: #000000;\">A self-employed person has several ways to invest, and it makes sense to combine them according to your risk profile and horizon. There is no single perfect product: there is the right portfolio for your situation. <\/span><\/p><ol class=\"wp-block-list\"><li style=\"list-style-type: none;\"><ol class=\"wp-block-list\"><li><span style=\"color: #000000;\">Simplified occupational pension plan (PPES): the star product for the self-employed due to its tax deductibility, designed for retirement.<\/span><\/li><li><span style=\"color: #000000;\">Indexed investment funds: low costs and global diversification for the long term. Find out more on the <a style=\"color: #000000;\" href=\"https:\/\/www.cnmv.es\/portal\/inversor\/index.aspx\" target=\"_blank\" rel=\"noopener\">CNMV investor portal<\/a>. <\/span><\/li><li><span style=\"color: #000000;\">Time deposits: security and liquidity for the conservative side.<\/span><\/li><li><span style=\"color: #000000;\">Savings insurance and individual plans: periodic contributions with a defined objective.<\/span><\/li><li><span style=\"color: #000000;\">Real estate investment: a common option in Mallorca, although it requires more capital and management.<\/span><\/li><\/ol><\/li><\/ol><ol class=\"wp-block-list\"><li style=\"list-style-type: none;\"> <\/li><\/ol><ol class=\"wp-block-list\"><li style=\"list-style-type: none;\"> <\/li><\/ol><ol class=\"wp-block-list\"><li style=\"list-style-type: none;\"> <\/li><\/ol><ol class=\"wp-block-list\"><li style=\"list-style-type: none;\"> <\/li><\/ol><p><span style=\"color: #000000;\">It is the ratio between these products that makes the difference. A 35-year-old self-employed person can take on more equities; a 58-year-old should protect more. Adjusting that is part of the <a style=\"color: #000000;\" href=\"https:\/\/joseselles.com\/en\/heritage\/\">wealth management in Mallorca<\/a> that I do with each client.  <\/span><\/p><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">How much can a self-employed person deduct by investing in a pension plan in 2026?<\/span><\/h2><p><span style=\"color: #000000;\">A self-employed person can contribute and deduct up to 5,750 euros per year in pension plans in 2026. That figure combines the general limit of \u20ac1,500 for the individual plan with an additional \u20ac4,250 for the simplified employment pension plan for the self-employed. <\/span><\/p><figure class=\"wp-block-table\"><table><thead><tr><th><span style=\"color: #000000;\">Contribution<\/span><\/th><th><span style=\"color: #000000;\">Deductible limit 2026<\/span><\/th><\/tr><\/thead><tbody><tr><td><span style=\"color: #000000;\">Individual pension plan<\/span><\/td><td><span style=\"color: #000000;\">1.500 \u20ac<\/span><\/td><\/tr><tr><td><span style=\"color: #000000;\">Simplified employment plan (self-employed)<\/span><\/td><td><span style=\"color: #000000;\">4.250 \u20ac<\/span><\/td><\/tr><tr><td><span style=\"color: #000000;\">Total income tax deductible<\/span><\/td><td><span style=\"color: #000000;\">5.750 \u20ac<\/span><\/td><\/tr><\/tbody><\/table><\/figure><p><span style=\"color: #000000;\">There is an important nuance that many people forget: the contributions that reduce the taxable base cannot exceed 30% of your net income from work and economic activities. And the total joint limit of all contributions drops to 10,000 euros per year from 2026 (previously it was 12,000). The exact conditions are at <a style=\"color: #000000;\" href=\"https:\/\/sede.agenciatributaria.gob.es\/\" target=\"_blank\" rel=\"noopener\">the Tax Agency headquarters<\/a>. In practice, every euro you contribute within these limits is taxable income that is not taxed this year: you defer the tax at the time of redemption, usually at retirement, when your rate is usually lower.   <\/span><\/p><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">How to invest with irregular income while self-employed?<\/span><\/h2><p><span style=\"color: #000000;\">The formula that works with seasonal income is to invest a percentage of each income, not a fixed monthly amount. If your business in Mallorca bills heavily in high season and little in winter, committing to 400 euros every month will choke you in January. Committing to 10-15% of what comes in, on the other hand, adapts itself.  <\/span><\/p><p><span style=\"color: #000000;\">The idea is simple: in good months, you contribute more; in bad months, less or nothing. The important thing is to keep the habit and not touch what you have invested. For the strong months, you should have already decided where the money is going, otherwise it will be spent. Automating a proportional transfer to an investment account every time you get paid is the most realistic way for a freelancer to really invest and not just plan it.   <\/span><\/p><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">How much should a self-employed person spend on investment each month?<\/span><\/h2><p><span style=\"color: #000000;\">As a reference, between 10% and 20% of net income, after covering expenses, taxes and an emergency fund. The self-employed need a larger cushion than the salaried worker &#8211; ideally 6 to 12 months of expenses &#8211; because their income is more volatile and they do not have contributory unemployment under the same conditions. <\/span><\/p><p><span style=\"color: #000000;\">First, therefore, security: emergency fund and current with the Treasury and Social Security. Then, investment. Starting small and increasing the percentage as the business grows is better than waiting for the &#8220;perfect moment&#8221;, which never comes. Consistency, again, wins out over quantity.   <\/span><\/p><div class=\"seo-faq\"><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">Frequently asked questions about investments for the self-employed in Mallorca<\/span><\/h2><h3 class=\"wp-block-heading\"><span style=\"color: #000000;\">How much can a self-employed person invest and deduct in a pension plan in 2026?<\/span><\/h3><p><span style=\"color: #000000;\">A self-employed person can contribute up to 5,750 euros per year with the right to deduct IRPF: 1,500 euros from the individual plan plus 4,250 euros from the simplified employment plan for the self-employed. This deduction is also limited to 30% of the net income from work and economic activities. It is one of the few tools that combine saving for retirement and immediate tax reduction.  <\/span><\/p><h3 class=\"wp-block-heading\"><span style=\"color: #000000;\">Is it better for a self-employed person to invest in a pension plan or in an index fund?<\/span><\/h3><p><span style=\"color: #000000;\">Each one fulfills a function. The pension plan is tax deductible today, but the money remains tied up until retirement (except in specific cases). The indexed fund is not tax deductible, but offers liquidity and usually has low costs. It is usual to combine them: the plan for retirement savings and the tax advantage, and the fund for medium-term objectives or in case you need the money earlier.   <\/span><\/p><h3 class=\"wp-block-heading\"><span style=\"color: #000000;\">How does a self-employed person with seasonal income from tourism invest in Mallorca?<\/span><\/h3><p><span style=\"color: #000000;\">The most realistic strategy is to contribute a percentage of each income instead of a fixed fee. In high season you invest more and in low season you reduce or stop, without breaking the habit. It is convenient to set aside part of the summer turnover to sustain the investment during the winter, so that the plan does not depend only on the good months.  <\/span><\/p><h3 class=\"wp-block-heading\"><span style=\"color: #000000;\">What emergency fund does a freelancer need before starting to invest?<\/span><\/h3><p><span style=\"color: #000000;\">A self-employed person should have between 6 and 12 months of expenses covered before investing in the long term, more margin than an employee due to the irregularity of his income and his lower protection against unemployment. This cushion should be in liquid and safe products, not invested in equities, in order to be able to use it without losses in the event of an unforeseen event or a weak month. <\/span><\/p><\/div><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">When a freelancer should NOT invest yet<\/span><\/h2><p><span style=\"color: #000000;\">It is not the right time to invest for the long term if:<\/span><\/p><ul class=\"wp-block-list\"><li style=\"list-style-type: none;\"><ul class=\"wp-block-list\"><li><span style=\"color: #000000;\">You have no emergency fund: first the mattress, then the investment.<\/span><\/li><\/ul><\/li><\/ul><ul class=\"wp-block-list\"><li style=\"list-style-type: none;\"><ul class=\"wp-block-list\"><li><span style=\"color: #000000;\">You are carrying expensive debts or are in arrears with the Treasury or Social Security.<\/span><\/li><\/ul><\/li><\/ul><ul class=\"wp-block-list\"><li style=\"list-style-type: none;\"><ul class=\"wp-block-list\"><li><span style=\"color: #000000;\">You&#8217;re going to need that money in less than 3-5 years: long-term investing doesn&#8217;t fit with near-term goals.<\/span><\/li><\/ul><\/li><\/ul><ul class=\"wp-block-list\"><li style=\"list-style-type: none;\"><ul class=\"wp-block-list\"><li><span style=\"color: #000000;\">They offer you a product that you don&#8217;t understand or with commissions that they don&#8217;t know how to explain.<\/span><\/li><\/ul><\/li><\/ul><h2 class=\"wp-block-heading\"><span style=\"color: #000000;\">Invest with a plan made for the self-employed<\/span><\/h2><p><span style=\"color: #000000;\">Investing as a self-employed in Mallorca is not about guessing the best fund, but about having a strategy that fits your irregular income, your taxation and your objectives. As a <a href=\"https:\/\/joseselles.com\/en\/\">financial advisor in Mallorca<\/a>, we design with you a tailored portfolio and review it every year. The first consultation is free of charge and without obligation. Call me at <strong>660 845 921<\/strong>.   <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Investments for Self-Employed in Mallorca: Options and How to Plan Them Investments for the self-employed in Mallorca serve two functions: to build a cushion for retirement &#8211; which the self-employed are not guaranteed &#8211; and to reduce the tax bill. In 2026, a self-employed person can contribute up to \u20ac5,750 a year to a simplified [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3333,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_yoast_wpseo_focuskw":"","_yoast_wpseo_canonical":"","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":""},"categories":[25],"tags":[],"class_list":["post-3382","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/posts\/3382","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/comments?post=3382"}],"version-history":[{"count":2,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/posts\/3382\/revisions"}],"predecessor-version":[{"id":3395,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/posts\/3382\/revisions\/3395"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/media\/3333"}],"wp:attachment":[{"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/media?parent=3382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/categories?post=3382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joseselles.com\/en\/wp-json\/wp\/v2\/tags?post=3382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}