{"id":25065,"date":"2022-02-27T12:19:12","date_gmt":"2022-02-27T12:19:12","guid":{"rendered":"https:\/\/ginvest.es\/\/la-inexistent-futura-pensio-a-espanya\/"},"modified":"2023-06-23T10:43:49","modified_gmt":"2023-06-23T10:43:49","slug":"la-inexistent-futura-pensio-a-espanya","status":"publish","type":"post","link":"https:\/\/ginvest.es\/eus\/la-inexistent-futura-pensio-a-espanya\/","title":{"rendered":"La inexistent futura pensi\u00f3 a Espanya"},"content":{"rendered":"

 <\/p>\n

\u00c9s un fet que la majoria dels ciutadans de l\u2019Estat espanyol no es preocupa per la seva pensi\u00f3. A dia d\u2019avui tenim la certesa de que un cop jubilats rebrem una paga mensual per part de l\u2019Estat, que ens ajudar\u00e0 a mantenir el nostre\u00a0 nivell de vida actual. No obstant aix\u00f2, aquesta creen\u00e7a podria no ser certa en un parell de generacions.<\/p>\n

Com b\u00e9 sabem, el nostre sistema de pensions est\u00e0 estructurat de tal forma que els treballadors actius aporten una part del seu sou en forma de cotitzacions a la seguretat social, perqu\u00e8 aquelles persones ja jubilades puguin rebre mensualment una pensi\u00f3. \u00c9s a dir un sistema de repartiment i no d\u2019 acumulaci\u00f3.<\/p>\n

El sistema parteix de la premissa que el nombre de cotitzants en actiu, \u00e9s a dir, aquells treballadors que contribueixen a la Seguretat Social, sempre ser\u00e0 prou elevat per a sostenir als pensionistes.<\/p>\n

No obstant aix\u00f2, els canvis demogr\u00e0fics de les \u00faltimes d\u00e8cades (i de les properes) posen aquest principi en dubte.<\/p>\n

En la seg\u00fcent imatge podem veure la pir\u00e0mide demogr\u00e0fica de la poblaci\u00f3 espanyola en l\u2019actualitat i una projecci\u00f3 a 30 anys vista.<\/p>\n

 <\/p>\n

\"\" \"\"<\/p>\n

*Font: populationpyramid.net<\/span><\/p>\n

 <\/p>\n

Com es pot observar en les imatges anteriors, el canvi demogr\u00e0fic \u00e9s demolidor. En el moment d\u2019escriure aquestes l\u00ednies tenim 1,7 treballadors actius per cada pensionista, no obstant aix\u00f2, es preveu que en 30 anys aquesta dada quedi igualada, \u00e9s a dir, per cada treballador actiu tindrem un pensionista.<\/p>\n

D\u2019altra banda, i com es pot observar en la seg\u00fcent taula, malgrat ser m\u00e9s cotitzants que pensionistes, el sistema ja ha entrat en d\u00e8ficit des del 2011. L\u2019Estat espanyol ha de realitzar transfer\u00e8ncies anualment a la seguretat social per a suplir aquesta falta de capital.<\/p>\n

 <\/p>\n

\"\"<\/p>\n

*Font: cinco d\u00edas.<\/p>\n

 <\/p>\n

Per qu\u00e8 s\u2019est\u00e0 produint aquest canvi demogr\u00e0fic i d\u00e8ficit persistent?<\/h2>\n

\u2013 L\u2019arribada a la jubilaci\u00f3 de la generaci\u00f3 espanyola m\u00e9s representativa en termes percentuals, els anomenats baby boom.
\n\u2013 La baixa natalitat de les generacions posteriors.
\n\u2013 L\u2019elevat atur estructural a Espanya.
\n\u2013 L\u2019augment de l\u2019esperan\u00e7a de vida. Actualment, ja som el segon pa\u00eds m\u00e9s longeu, molt prop del primer, el Jap\u00f3.<\/p>\n

Les implicacions dels anteriors punts s\u00f3n clares, o es produeix una fallida en el sistema de pensions per la impossibilitat de mantenir el nivell actual, o totes les pensions es retallen un 40% en termes nominals, tal com preveu l\u2019Observatori de Inverco. Segons aquesta entitat, la pensi\u00f3 mitjana en 2060 ser\u00e0 nom\u00e9s de 607 Euros mensuals.<\/p>\n

Podr\u00edem arribar a pensar que l\u2019Estat pot incrementar les transfer\u00e8ncies a la seguretat social i continuar mantenint el nivell actual de les pensions, no obstant aix\u00f2, aix\u00f2 \u00e9s insostenible. La despesa total de les pensions en els pressupostos anuals ja representa prop del 40%, incrementar-ho per sobre d\u2019aquest percentatge significaria retallar altres partides com la sanitat o l\u2019educaci\u00f3, cosa impensable.<\/p>\n

Davant aquesta situaci\u00f3, benvolguts lectors co-generacionals, nom\u00e9s ens queden dues solucions. La primera, i m\u00e9s evident, encara que menys probable, \u00e9s comen\u00e7ar a reproduir-nos d\u2019una forma exponencial. Nom\u00e9s amb un augment dr\u00e0stic de la natalitat seria possible mantenir un sistema de pensions com l\u2019actual. La segona, i m\u00e9s concorde als nostres temps, \u00e9s comen\u00e7ar a estalviar pel nostre compte.<\/p>\n

Les dades no menteixen. Ens trobem amb una situaci\u00f3 que es produir\u00e0 amb un 100% de probabilitat. Si vost\u00e8s tenen menys de 50 anys i volen mantenir el seu nivell de vida durant la jubilaci\u00f3, amb certesa podem afirmar que no li ser\u00e0 suficient amb la paga de l\u2019Estat i que necessita comen\u00e7ar a estalviar des d\u2019avui mateix perqu\u00e8 el dia que es jubili pugui compensar la retallada de la seva pensi\u00f3.<\/p>\n

Conscients d\u2019aquesta situaci\u00f3, en Ginvest hem creat el Ginvest Renta Variable Global PP<\/a>, un pla de pensions amb la metodologia de Ginvest que li permetr\u00e0 maximitzar els seus estalvis de cara a la seva futura jubilaci\u00f3. 100% renda variable, ponderat pels nostres quatre v\u00e8rtexs habituals: Renda Variable USA, Europa, el Jap\u00f3 i Emergents.<\/p>\n

 <\/p>\n

Per\u00f2, quins s\u00f3n els avantatges d\u2019un pla de pensions?<\/h2>\n

La\u00a0 fiscalitat \u00e9s un dels principals avantatges dels plans enfront d\u2019altres alternatives d\u2019inversi\u00f3. Amb les noves reformes per a aquest 2022, qualsevol persona pot desgravar-se fins a 1500 euros de la declaraci\u00f3 de la renda, aportant aquesta quantitat a un pla de pensions privat. Evidentment, l\u2019estalvi fiscal dependr\u00e0 del seu salari. Per exemple, si t\u00e9 un salari de 25.000 \u20ac bruts (salari mitj\u00e0 espanyol (salari m\u00e9s freq\u00fcent)), i aporta el m\u00e0xim (1500 euros), aconseguiria un estalvi fiscal de 450 euros.<\/p>\n

\"\"<\/p>\n

Com b\u00e9 sabem, l\u2019IRPF \u00e9s progressiu i s\u2019estructura entorn d\u2019uns trams que van augmentant segons augmenta la seva renda. La traducci\u00f3 d\u2019aix\u00f2 \u00e9s que, com m\u00e9s es guanya, m\u00e9s es desgrava pel pla de pensions.<\/p>\n

Per\u00f2 maximitzar l\u2019efici\u00e8ncia d\u2019un pla de pensions no sols dep\u00e8n de la renda, tamb\u00e9 \u00e9s molt important el temps. Vost\u00e8 haur\u00e0 de mantenir la seva inversi\u00f3 com a m\u00ednim 10 anys, i com ja hem comentat en anteriors articles, una de les principals lleis de la inversi\u00f3 \u00e9s que temps, rendibilitat i risc sempre van de la m\u00e0. El fet de tenir previst un termini m\u00ednim d\u2019inversi\u00f3 de 10 anys permet aprofitar all\u00f2 que Einstein va definir com una de les majors forces de l\u2019univers, la for\u00e7a de l\u2019inter\u00e8s compost.<\/p>\n

Amb el temps, aquesta for\u00e7a fa que la rendibilitat creixi exponencialment i que el risc disminueixi de manera dr\u00e0stica. En el seg\u00fcent gr\u00e0fic podem apreciar com una persona de 30 anys, aportant \u00fanicament 125 euros al mes, podria obtenir fins a gaireb\u00e9 300.000\u20ac per a la seva jubilaci\u00f3.<\/p>\n

\"\"<\/p>\n

Si ens fixem, amb el pas dels anys, el capital generat per interessos creix de manera exponencial i aix\u00f2 ens deixa una clara conclusi\u00f3: la m\u00e0xima efici\u00e8ncia d\u2019un pla de pensions no sols dep\u00e8n de la renda, sin\u00f3 que el m\u00e9s important \u00e9s tenir un horitz\u00f3 temporal a llarg termini.<\/p>\n

 <\/p>\n

Com rescatar el seu pla de pensions?<\/h2>\n

Una de les peculiaritats dels plans de pensions enfront de la majoria de vehicles d\u2019inversi\u00f3, \u00e9s que aquests no tributen dins de la base de l\u2019estalvi de l\u2019IRPF, sin\u00f3 que ho fan dins de les rendes del treball, com un salari o una pensi\u00f3. A m\u00e9s, el fan pel total, tributen tant capital aportat com beneficis generats. El que succeeix en aquests casos \u00e9s que aquest exc\u00e9s que paguen d\u2019IRPF est\u00e0 m\u00e9s que compensat per les deduccions de les quals s\u2019han gaudit al llarg de vida del pla de pensions, especialment si s\u2019inverteix aquest exc\u00e9s i s\u2019aprofita l\u2019inter\u00e8s compost.<\/p>\n

No obstant aix\u00f2, s\u2019ha de posar especial atenci\u00f3 a la forma de rescat. El m\u00e9s habitual \u00e9s que, mentre treballi i aporti al pla, els seus ingressos seran m\u00e9s elevats que la pensi\u00f3 p\u00fablica que rebi el dia de la seva jubilaci\u00f3, per tant , la millor manera de rescatar el pla ser\u00e0 via rendes.<\/p>\n

Un rescat via rendes significa que nom\u00e9s rescatar\u00e0 anualment aquella part del pla que necessiti per a compensar la seva pensi\u00f3 p\u00fablica. D\u2019aquesta manera nom\u00e9s tributar\u00e0 la part rescatada en els trams m\u00e9s baixos de l\u2019IRPF. D\u2019altra banda, la resta del pla seguir\u00e0 invertit i, pel conseg\u00fcent, generant interessos.<\/p>\n

Un exemple seria: amb un estalvi de 300 mil euros, rescatant cada any un brut de 25.000 euros i deixant la resta invertida, es podria obtenir un salari de 1500 euros nets al mes durant m\u00e9s de 25 anys. Les dades s\u00f3n calculades en termes nominals, sense tenir en compte la inflaci\u00f3 i amb els tipus d\u2019IRPF actuals.<\/p>\n

 <\/p>\n

Quan comen\u00e7ar?<\/h2>\n

Avui mateix. Quan abans comenci a fer aportacions a un pla de pensions, m\u00e9s es beneficiar\u00e0 de la for\u00e7a de l\u2019inter\u00e8s compost i dels beneficis fiscals. Si actualment ja t\u00e9 un pla de pensions, li convidem a vistar el nostre pla de pensions, Ginvest Renta Variable Global PP<\/a>, el qual estem conven\u00e7uts que encaixar\u00e0 perfectament amb la seva visi\u00f3 a llarg termini. Recordi que els traspassos entre plans de pensions s\u00f3n gratu\u00efts i exempts fiscalment.<\/p>","protected":false},"excerpt":{"rendered":"

\u00c9s un fet que la majoria dels ciutadans de l\u2019Estat espanyol no es preocupa per la seva pensi\u00f3. A dia…<\/p>","protected":false},"author":8,"featured_media":24425,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-25065","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar"],"acf":[],"yoast_head":"\nLa inexistent futura pensi\u00f3 a Espanya - GINVEST<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ginvest.es\/eus\/la-inexistent-futura-pensio-a-espanya\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La inexistent futura pensi\u00f3 a Espanya - GINVEST\" \/>\n<meta property=\"og:description\" content=\"\u00c9s un fet que la majoria dels ciutadans de l\u2019Estat espanyol no es preocupa per la seva pensi\u00f3. 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