{"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\/eus\/que-es-y-como-funciona-un-plan-de-pensiones\/","title":{"rendered":"Zer da pentsio plan bat eta nola funtzionatzen du?"},"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;\">Finantza-plangintza funtsezko zati bat da etorkizunean egonkortasun ekonomikoa eta segurtasuna bilatzen dituen edonorentzat. Plangintza honetan ezinbesteko elementuetako bat da \u201c<a href=\"https:\/\/ginvest.es\/eus\/valores-liquidativos\/\">Pentsio Plana<\/a>\u201d. Zer da eta nola funtzionatzen du pentsio-plan batek? <\/span><\/p>\n<p><span style=\"color: #000000;\">Pentsio-plana tresna finantzario bat da, pertsonak bere lan-bizitzan dirua aurrezten eta inbertitzen laguntzeko diseinatua, erretiroan diru-sarrera egonkorra bermatzeko.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Inbertitzaileek ekarpen periodikoak egiten dizkiote beren planari, borondatez edo enplegatzaileekin egindako akordioen bidez. Ekarpen horiek zergetatik ken daitezke herrialde askotan, eta horrek pizgarri gehigarria ematen du aurrezteko. Espainian, pentsio-planak kenkaridunak dira.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Inbertsio honen helburu nagusia etekinak sortzea eta denborarekin ondare finantzarioaren balioa handitzea da. Horri esker, zure aurrezkiak urteetan zehar hazten dira, eta erretiroarako inbertsio-funts sendo bat eraikitzen laguntzen dizute.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Plan mota desberdinak daude, adibidez,<i>\u00a0errenta <a href=\"https:\/\/ginvest.es\/eus\/plan-de-pensiones-renta-fija\/\">finkoko plana <\/a><\/i>edo<i>\u00a0errenta <a href=\"https:\/\/ginvest.es\/eus\/ginvest-renta-variable-global-plan-de-pensiones\/\">aldakorreko plana.<\/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>Nola funtzionatzen du pentsio-plan batek<\/h2>\n<p><span style=\"color: #000000;\">Pentsio-plan batean aktiboen kudeaketa funtsezko osagaia da erretiro segurua bermatzeko.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span style=\"color: #000000;\">Zure inbertsio-estrategiaren pertsonalizazioa<\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Pentsio-plan batean inbertitu aurretik, garrantzitsua da inbertsio-estrategia pertsonalizatzea. Ez da gauza bera errenta aldakorreko pentsio-plan batean inbertitzea edo errenta finkoan. Helburu argiak ezarri behar dira, erretiroan izango dituzun behar finantzarioak ebaluatu eta hartu nahi dituzun arriskuak zehaztu.<\/span><\/p>\n<p><span style=\"color: #000000;\">Hemen sartzen da jokoan \u2026-ren papera\u00a0<a style=\"color: #000000;\" href=\"https:\/\/www.linkedin.com\/feed\/update\/urn:li:activity:7097487152271269889\/\">Aholkulari finantzarioa<\/a>,erabakiak hartzeko zure aliatua. Aholkulari esperientziadun batek gidatuko zaitu zure helburu eta arrisku-tolerantziaren arabera inbertsio-estrategiarik egokiena hautatzen.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span style=\"color: #000000;\">Pentsio-planetan inbertsioa.<\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Zure inbertsio-estrategia definitu ondoren, pentsio-planera ekarpenak egiten has zaitezke. Ekarpen horiek aldizka edo ekarpen bakarrean egin daitezke, zure lehentasunen eta gaitasun finantzarioaren arabera.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Inbertitzaileek malgutasuna dute euren pentsio-planetan ekarpenak egiteko, borondatez edo enplegatzaileekin egindako akordioen bidez.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Ekarpen boluntarioak norbanakoak modu independentean egiten dituen ekarpenak dira, normalean bere diru-sarrera pertsonaletatik.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Bestalde, lan-akordioek enplegatzaileei aukera ematen diete langileen izenean ekarpenak egiteko, erretiroaren aldeko onura edo pizgarri-pakete baten barruan.\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span style=\"color: #000000;\">Kenkaria\u00a0<\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Pentsio-planen abantaila handietako bat da herrialde askok eskaintzen duten zerga-tratamendu onuragarria. Espainian, pentsio-planak zergen kenkariak dira. Horrek esan nahi du egiten dituzun ekarpenek Zergen gaineko Errentaren gaineko Zerga (PFEZ\/IRPF) aitorpenean zure zerga-oinarria murrizten dutela.\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span style=\"color: #000000;\">Erreskatea\u00a0<\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Espainian, pentsio-plan baten erreskatea titularra erretiro-adinera iristen denean baimentzen da. Espainian, erretiro-adina 67 urtekoa da (2023).\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Erretiroa iritsi aurretik pentsio-plana erreskada daiteke egoera zehatz batzuetan, hala nola gaixotasun larrien kasuan edo epe luzeko langabezia-egoeretan. Garrantzitsua da gogoratzea herrialdearen eta egoeraren arabera aurretiazko erreskateak zigor fiskalak ekar ditzakeela.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Inbertitzaile bakoitzaren beharretara egokitutako aukera desberdinak daude:\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;\">Errenta moduan erreskatatzea: aurrezkiak jasotzeko maiztasun bat ezartzean datza, eta ohikoa da hileroko ordainketen bidez jasotzea. Pentsioa osatu dezake edo soldataren antzeko diru-sarrera bat eman.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><span style=\"color: #000000;\">Modu mistoan erreskatatzea: pentsio-plana ordainketa bakarrean (kapital moduan) eta errenta moduan erreskada daiteke.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><span style=\"color: #000000;\">Erreskate zatika egitea: modalitate honek aukera ematen du pentsio-plana zuretzat egokien den moduan eta unean erreskatatzeko. Hau da, maiztasun finkorik gabe, nahi dituzun datetan eta zenbatekoetan.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Zure plangintza finantzarioa optimizatzeko, gomendagarria da finantza-aholkulari batekin kontsultatzea.\u00a0<\/span><\/p>\n<h3>Mugak eta pentsio-plan baten kenkari fiskala<\/h3>\n<p><span style=\"font-weight: 400; color: #000000;\">Zerga-kenkaria legeak ezarritako muga bati lotuta dago. Muga horiek azaltzen dizkizugu, bai plan indibidualentzat bai bateratuentzat:\u00a0\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400; color: #000000;\">Indibiduala:<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; color: #000000;\">2023an pentsio-planetarako ekarpenen muga 1.500 \u20ac-koa da. Hau da, errenta-aitorpena aurkeztean, gehienez 1.500 \u20ac ken daitezke pentsio-planetan egindako ekarpenengatik, edo zerga-oinarriaren arte (diru-sarrera osoak).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; color: #000000;\">Kontuan izan behar da beti aplikatzen dela 1.500 \u20ac-ren eta diru-sarreren aren arteko muga txikiena, hau da, zenbateko txikiena.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400; color: #000000;\">Enpleguko:\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; color: #000000;\">2023an enpleguko pentsio-planetarako ekarpenen muga 8.500 \u20ac-koa da, zerga-oinarriaren eko gehienezko mugarekin.\u00a0<\/span><\/p>\n<h3>Nork hartzen du parte?<\/h3>\n<p><span style=\"color: #000000;\">Pentsio-plan batean, parte hartzen duten eragileak hauek dira:<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">Partaidea: Partaideak pentsio-plan batean inbertitzen duten pertsonak dira. Kasu honetan, zu izan zaitezke.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"color: #000000;\">Gordailu-erakundea: Pentsio-plan baten gordailu-erakundeak planaren aktiboak zaintzeko eta haien segurtasuna bermatzeko ardura du.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"color: #000000;\">Sustatzailea: Pentsio-plan baten sustatzailea plan hori merkaturatu eta sustatzen duen erakundea da.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"color: #000000;\">Kudeaketa-erakundea: Pentsio-plan baten kudeaketa-erakundea da planeko aktiboak administratzeaz eta partaideen izenean inbertsio-erabakiak hartzeaz arduratzen dena.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\"><strong><a style=\"color: #000000;\" href=\"https:\/\/ginvest.es\/eus\">Ginvest Asset Management <\/a><\/strong>kudeaketa-erakundearen funtzioa betetzen du eta, gainera, pentsio-planen sustatzaile ere bada.\u00a0<\/span><\/p>\n<p><span style=\"color: #000000;\">Zure pentsio-planera aldizka ekarpenak egiteak ez dizu soilik denborarekin aberastasuna pilatzen laguntzen, baita zure egungo zerga-betebeharrak murrizten ere, eta horrek nabarmen hobetu dezake zure egoera finantzarioa.\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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