{"id":2634,"date":"2023-10-04T22:08:18","date_gmt":"2023-10-04T22:08:18","guid":{"rendered":"https:\/\/invertiscapital.com\/ahorra-para-tu-jubilacion\/"},"modified":"2023-10-24T15:22:58","modified_gmt":"2023-10-24T15:22:58","slug":"estalvieu-per-a-la-vostra-jubilacio-i-complementeu-la-vostra-pensio","status":"publish","type":"post","link":"https:\/\/invertiscapital.com\/ca\/estalvieu-per-a-la-vostra-jubilacio-i-complementeu-la-vostra-pensio\/","title":{"rendered":"Estalvieu per a la vostra jubilaci\u00f3 i complementeu la vostra pensi\u00f3"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">En els temps que corren, ning\u00fa no ens assegura la viabilitat de la pensi\u00f3 p\u00fablica, per la qual cosa \u00e9s important estalviar i aconseguir altres fonts d&#8217;ingressos.<\/p><p class=\"wp-block-paragraph\">Avui us parlem dels productes que hi ha al mercat per estalviar a llarg termini, els seus avantatges i inconvenients.<\/p><p class=\"wp-block-paragraph\"><strong>Plans de Pensions (PP)<\/strong><\/p><p class=\"wp-block-paragraph\">\u00c9s una opci\u00f3 poc recomanable. Tot i que \u00e9s cert que els plans de pensions s\u00f3n dedu\u00efbles fiscalment, en jubilar-se es declaren com a rendiments del treball. Aix\u00f2 es pot traduir a futur, en m\u00e9s impostos del que has estalviat.<\/p><p class=\"wp-block-paragraph\">La seva rendibilitat \u00e9s escassa, ja que presenten majorit\u00e0riament comissions de gesti\u00f3 molt elevades.<\/p><p class=\"wp-block-paragraph\">Un altre inconvenient seria la manca de liquiditat, no pots disposar dels teus diners fins que et jubilis o per causes excepcionals com ara invalidesa o atur.<\/p><p class=\"wp-block-paragraph\"><strong>Pla Individualitzat d&#8217;Estalvi Sistem\u00e0tic (PIAS)<\/strong><\/p><p class=\"wp-block-paragraph\">Si vols planificar la teva jubilaci\u00f3 de manera segura, aquesta \u00e9s la teva opci\u00f3. \u00c9s un producte que va comen\u00e7ar a les mans de les asseguradores, encara que ara els bancs volen prendre partit tamb\u00e9.<\/p><p class=\"wp-block-paragraph\">Les 3 caracter\u00edstiques que fan del PIAS un encert s\u00f3n:<\/p><ul class=\"wp-block-list\"><ul class=\"wp-block-list\"><li>Completament l\u00edquid. Si ho necessites, en poques hores tens els teus diners i comptes.<\/li><li>Segur. Es designa un beneficiari, i en cas de defunci\u00f3 abona l&#8217;import immediatament a aquest.<\/li><li>T\u00e9 molt bona fiscalitat i pot arribar a l&#8217;1,44% en funci\u00f3 de l&#8217;edat de rescat del prenedor.<\/li><\/ul><\/ul><p class=\"wp-block-paragraph\"><figure class=\"wp-block-image\"><figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-2881\" src=\"https:\/\/invertiscapital.com\/wp-content\/uploads\/2022\/02\/beautiful-sunset-beach-landscape-with-boat-scaled.jpg\" alt=\"\" width=\"2560\" height=\"937\" \/><\/figure><\/figure><\/p><p class=\"wp-block-paragraph\">En conclusi\u00f3, el PIAS \u00e9s el producte ideal si vols estalviar per a la teva pensi\u00f3 de manera privada, ja que tributa com a renda d&#8217;estalvi i es pot beneficiar de deduccions.<\/p><p class=\"wp-block-paragraph\">\u00c9s un producte recomanable per als capitals mitjans i baixos, aut\u00f2noms i aquelles persones que no perceben retribuci\u00f3 de la feina.<\/p><p class=\"wp-block-paragraph\">Contacta&#8217;ns per a m\u00e9s informaci\u00f3<a>https:\/\/invertiscapital.com\/consultori-gratuit\/<\/a><\/p><h6 class=\"wp-block-heading\">Font de l&#8217;article i agra\u00efments:<a>http:\/\/asesora.com<\/a><\/h3>","protected":false},"excerpt":{"rendered":"<p>En els temps que corren, ning\u00fa no ens assegura la viabilitat de la pensi\u00f3 p\u00fablica, per la qual cosa \u00e9s important estalviar i aconseguir altres fonts d&#8217;ingressos. Avui us parlem dels productes que hi ha al mercat per estalviar a llarg termini, els seus avantatges i inconvenients. Plans de Pensions (PP) \u00c9s una opci\u00f3 poc [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2540,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[127],"tags":[],"class_list":["post-2634","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banca-i-serveis-financers","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"acf":[],"builder_content":"","_links":{"self":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2634","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/comments?post=2634"}],"version-history":[{"count":3,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2634\/revisions"}],"predecessor-version":[{"id":2797,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2634\/revisions\/2797"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/media\/2540"}],"wp:attachment":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/media?parent=2634"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/categories?post=2634"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/tags?post=2634"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}