{"id":26842,"date":"2023-10-10T18:24:47","date_gmt":"2023-10-10T16:24:47","guid":{"rendered":"https:\/\/ginvest.es\/?p=26842"},"modified":"2025-07-07T09:10:18","modified_gmt":"2025-07-07T07:10:18","slug":"que-es-y-como-funciona-un-plan-de-pensiones","status":"publish","type":"post","link":"https:\/\/ginvest.es\/ca\/que-es-y-como-funciona-un-plan-de-pensiones\/","title":{"rendered":"Qu\u00e8 \u00e9s i com funciona un pla de pensions?"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00bb1&#8243; admin_label=\u00bbsection\u00bb _builder_version=\u00bb4.20.4&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_row admin_label=\u00bbrow\u00bb _builder_version=\u00bb4.20.4&#8243; background_size=\u00bbinitial\u00bb background_position=\u00bbtop_left\u00bb background_repeat=\u00bbrepeat\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.16&#8243; custom_padding=\u00bb|||\u00bb global_colors_info=\u00bb{}\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_post_title categories=\u00bboff\u00bb comments=\u00bboff\u00bb featured_image=\u00bboff\u00bb admin_label=\u00bb\u00bfQu\u00e9 es y c\u00f3mo funciona un plan de pensiones?\u00bb module_id=\u00bbQu\u00e9 es y c\u00f3mo funciona un plan de pensiones\u00bb module_class=\u00bbPlan de pensiones\u00bb _builder_version=\u00bb4.20.4&#8243; _module_preset=\u00bbdefault\u00bb link_option_url=\u00bbhttps:\/\/ginvest.es\/que-es-un-plan-de-pensiones\/\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_post_title][et_pb_text _builder_version=\u00bb4.20.4&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #000000;\">La planificaci\u00f3 financera \u00e9s una part crucial de la vida de qualsevol persona que aspiri a l\u2019estabilitat econ\u00f2mica i la seguretat en el futur. Un dels elements essencials en aquesta planificaci\u00f3 \u00e9s el \u201c<a href=\"https:\/\/ginvest.es\/ca\/valores-liquidativos\/\">Pla de Pensions<\/a>\u201d. Qu\u00e8 \u00e9s i com funciona un pla de pensions? <\/span><\/p>\n<p><span style=\"color: #000000;\">Un pla de pensions \u00e9s una eina financera dissenyada per ajudar les persones a estalviar i invertir diners durant la seva vida laboral per garantir un flux d\u2019ingressos estable durant la seva jubilaci\u00f3.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Els inversors fan contribucions peri\u00f2diques al seu pla, ja sigui de manera volunt\u00e0ria o a trav\u00e9s d\u2019acords amb els seus ocupadors. Aquestes contribucions poden ser dedu\u00efbles d\u2019impostos en molts pa\u00efsos, cosa que proporciona un incentiu addicional per estalviar. A Espanya, els plans de pensions s\u00f3n dedu\u00efbles.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">L\u2019objectiu principal d\u2019aquesta inversi\u00f3 \u00e9s generar rendiments i augmentar el valor del patrimoni financer amb el temps. Aix\u00f2 permet que els teus estalvis creixin al llarg dels anys, ajudant-te a construir un fons d\u2019inversi\u00f3 robust per a la teva jubilaci\u00f3.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Hi ha diferents tipus de plans, per exemple, el<i>\u00a0de <a href=\"https:\/\/ginvest.es\/ca\/plan-de-pensiones-renta-fija\/\">renda fixa <\/a><\/i>o el<i>\u00a0de <a href=\"https:\/\/ginvest.es\/ca\/ginvest-renta-variable-global-plan-de-pensiones\/\">renda variable.<\/a>.<\/i>\u00a0<\/span><\/p>\n<p>[\/et_pb_text][et_pb_button button_url=\u00bb@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjM5NSJ9fQ==@\u00bb button_text=\u00bbVer planes de pensiones \u00bb _builder_version=\u00bb4.20.4&#8243; _dynamic_attributes=\u00bbbutton_url\u00bb _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_button][et_pb_text _builder_version=\u00bb4.20.4&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2>\u00a0<\/h2>\n<h2>Com funciona un pla de pensions<\/h2>\n<p><span style=\"color: #000000;\">La gesti\u00f3 d\u2019actius en un pla de pensions \u00e9s un component essencial per assegurar una jubilaci\u00f3 segura.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span style=\"color: #000000;\">Personalitzaci\u00f3 de la teva estrat\u00e8gia d\u2019inversi\u00f3<\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Abans d\u2019invertir en un pla de pensions, \u00e9s important personalitzar l\u2019estrat\u00e8gia d\u2019inversi\u00f3. No \u00e9s el mateix invertir en un pla de pensions de renda variable que en un de renda fixa. Cal establir metes clares, avaluar les teves necessitats financeres durant la jubilaci\u00f3 i els riscos que vols assumir.<\/span><\/p>\n<p><span style=\"color: #000000;\">Aqu\u00ed \u00e9s on entra en joc el paper del\u00a0<a style=\"color: #000000;\" href=\"https:\/\/www.linkedin.com\/feed\/update\/urn:li:activity:7097487152271269889\/\">Assessor financer<\/a>,el teu aliat en la presa de decisions. Un assessor experimentat et guiar\u00e0 en la selecci\u00f3 de l\u2019estrat\u00e8gia d\u2019inversi\u00f3 m\u00e9s adequada segons els teus objectius i la teva toler\u00e0ncia al risc.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span style=\"color: #000000;\">Inversi\u00f3 en el pla de pensions<\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Un cop definida la teva estrat\u00e8gia d\u2019inversi\u00f3, pots comen\u00e7ar a fer aportacions al pla de pensions. Aquestes aportacions es poden fer de manera peri\u00f2dica o mitjan\u00e7ant aportacions \u00faniques, segons la teva prefer\u00e8ncia i capacitat financera.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Els inversors tenen la flexibilitat de fer contribucions als seus plans de pensions de manera volunt\u00e0ria o mitjan\u00e7ant acords amb els seus ocupadors.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Les contribucions volunt\u00e0ries s\u00f3n aportacions que un individu realitza de manera independent, generalment a partir dels seus ingressos personals.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">D\u2019altra banda, els acords laborals permeten que els ocupadors facin aportacions en nom dels empleats com a part d\u2019un paquet de beneficis o incentius per a la jubilaci\u00f3.\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span style=\"color: #000000;\">Deducci\u00f3\u00a0<\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Un dels avantatges dels plans de pensions \u00e9s el tractament fiscal favorable que ofereixen molts pa\u00efsos. A Espanya, els plans de pensions s\u00f3n dedu\u00efbles d\u2019impostos. Aix\u00f2 significa que les aportacions que realitzes redueixen la teva base imposable de l\u2019Impost sobre la Renda de les Persones F\u00edsiques (IRPF) en la declaraci\u00f3 d\u2019impostos.\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span style=\"color: #000000;\">Rescat\u00a0<\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">A Espanya, el rescat d\u2019un pla de pensions es permet quan el titular arriba a l\u2019edat de jubilaci\u00f3. A Espanya, l\u2019edat de jubilaci\u00f3 \u00e9s de 67 anys (2023).\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Es pot rescatar un pla de pensions abans de la jubilaci\u00f3 en casos espec\u00edfics, com situacions de malaltia greu o d\u2019atur de llarga durada. \u00c9s important recordar que, depenent del pa\u00eds i de les circumst\u00e0ncies, el rescat anticipat pot comportar penalitzacions fiscals.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Hi ha diferents opcions adaptades a les necessitats de cada inversor:\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span style=\"color: #000000;\">Rescatar en forma de capital: Esta opci\u00f3n permite retirar el plan de pensiones de una vez. Es decir, en un solo pago.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><span style=\"color: #000000;\">Rescatar en forma de renda: consisteix a establir una periodicitat per rebre els estalvis, sent habitual retirar-los de manera mensual. Pot complementar la pensi\u00f3 o proporcionar un ingr\u00e9s similar a un salari.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><span style=\"color: #000000;\">Rescatar de forma mixta: es pot rescatar el pla de pensions en un \u00fanic pagament (capital) i en forma de renda.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><span style=\"color: #000000;\">Rescatar en disposicions: aquesta modalitat permet rescatar el pla de pensions com i quan et sigui m\u00e9s convenient. \u00c9s a dir, en dates i quantitats sense una periodicitat fixa.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Per optimitzar la teva planificaci\u00f3 financera, \u00e9s aconsellable consultar amb un assessor financer.\u00a0<\/span><\/p>\n<h3>L\u00edmits i deducci\u00f3 fiscal d\u2019un pla de pensions<\/h3>\n<p><span style=\"font-weight: 400; color: #000000;\">La deducci\u00f3 fiscal est\u00e0 subjecta a un l\u00edmit establert per la llei. T\u2019expliquem els l\u00edmits tant per als plans individuals com per als conjunts:\u00a0\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400; color: #000000;\">Individual:<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; color: #000000;\">El l\u00edmit de les aportacions als plans de pensions l\u2019any 2023 \u00e9s de 1.500 \u20ac. \u00c9s a dir, en presentar la declaraci\u00f3 de la renda, es poden deduir fins a 1.500 \u20ac per aportacions a plans de pensions, o fins al 30% de la base imposable de l\u2019impost (els ingressos totals).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; color: #000000;\">Cal tenir en compte que sempre s\u2019aplica el l\u00edmit menor entre 1.500 \u20ac o el 30% dels ingressos, \u00e9s a dir, la quantitat m\u00e9s baixa.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400; color: #000000;\">D'empresa:\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; color: #000000;\">El l\u00edmit de les aportacions als plans de pensions d\u2019empresa l\u2019any 2023 \u00e9s de 8.500 \u20ac, fins a un m\u00e0xim del 30% de la base imposable.\u00a0<\/span><\/p>\n<h3>Qui hi interv\u00e9?<\/h3>\n<p><span style=\"color: #000000;\">En un pla de pensions, els agents que hi intervenen s\u00f3n:<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">Part\u00edcip: Els part\u00edcips s\u00f3n les persones que inverteixen en un pla de pensions. En aquest cas, podries ser tu.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"color: #000000;\">Entitat deposit\u00e0ria: L\u2019entitat deposit\u00e0ria d\u2019un pla de pensions \u00e9s qui t\u00e9 la responsabilitat de custodiar els actius del pla i garantir-ne la seguretat.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"color: #000000;\">Promotor: Un promotor d\u2019un pla de pensions \u00e9s l\u2019entitat que comercialitza i promociona el pla de pensions.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"color: #000000;\">Entitat gestora: L\u2019entitat gestora d\u2019un pla de pensions \u00e9s l\u2019encarregada d\u2019administrar els actius dels plans de pensions i de prendre decisions d\u2019inversi\u00f3 en nom dels part\u00edcips.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\"><strong><a style=\"color: #000000;\" href=\"https:\/\/ginvest.es\/ca\">Ginvest Asset Management <\/a><\/strong>exerceix la funci\u00f3 d\u2019entitat gestora i tamb\u00e9 de promotor de plans de pensions.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Contribuir regularment al teu pla de pensions no nom\u00e9s t\u2019ajuda a acumular riquesa al llarg del temps, sin\u00f3 que tamb\u00e9 et permet reduir les teves obligacions fiscals actuals, cosa que pot millorar significativament la teva situaci\u00f3 financera.\u00a0<\/span><\/p>\n<p>[\/et_pb_text][et_pb_button button_url=\u00bb@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjE0In19@\u00bb button_text=\u00bbEmpieza tu plan de pensiones\u00bb _builder_version=\u00bb4.20.4&#8243; _dynamic_attributes=\u00bbbutton_url\u00bb _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>","protected":false},"excerpt":{"rendered":"<p>Qu\u00e9 es y c\u00f3mo funciona un plan de pensiones<\/p>","protected":false},"author":21,"featured_media":34338,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[34,35],"tags":[37,36],"class_list":["post-26842","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacion-financiera","category-plan-de-pensiones","tag-jubilacion","tag-plan-de-pensiones"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 es y c\u00f3mo funciona un plan de pensiones? - GINVEST<\/title>\n<meta name=\"description\" content=\"\u00bfQu\u00e9 es y c\u00f3mo funciona un plan de pensiones? 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