{"id":5542,"date":"2018-09-12T16:16:11","date_gmt":"2018-09-12T16:16:11","guid":{"rendered":"http:\/\/urquiabas.com\/?p=5542\/"},"modified":"2024-06-10T14:04:50","modified_gmt":"2024-06-10T12:04:50","slug":"lasseguranca-destalvi-en-aquests-temps-que-corren-iii","status":"publish","type":"post","link":"https:\/\/urquiabas.com\/ca\/lasseguranca-destalvi-en-aquests-temps-que-corren-iii\/","title":{"rendered":"L’asseguran\u00e7a d’estalvi en aquests temps que corren III"},"content":{"rendered":"

Altres instruments d’estalvi<\/h1>\n

El Pla Individual d’Estalvi Sistem\u00e0tic (PIES)<\/h2>\n

En els nostres anteriors articles sobre l’estalvi<\/strong> don\u00e0vem un rep\u00e0s a la figura del corredor\u00a0d’assegurances<\/a>,\u00a0als\u00a0tipus d’inter\u00e8s baixos,\u00a0a\u00a0la solv\u00e8ncia de les asseguradores<\/strong>,\u00a0a\u00a0les comissions que s’apliquen\u00a0i al\u00a0perfil de risc dels\u00a0clients,\u00a0etc.<\/p>\n

 <\/p>\n

Tamb\u00e9 vam donar una breu pinzellada\u00a0a l’asseguran\u00e7a de\u00a0Vida Sencera<\/strong>\u00a0(o asseguran\u00e7a\u00a0vital\u00edcia),\u00a0en el qual aprofundim en l’article\u00a0anterior\u00a0(II)<\/a>.\u00a0En i\u00a0aquest d\u00e8iem que\u00a0l’asseguran\u00e7a de Vida sencera\u00a0\u00e9s una asseguran\u00e7a de vida que dura tota la vida, des del moment en qu\u00e8\u00a0es\u00a0contracta la p\u00f2lissa\u00a0fins a la defunci\u00f3 de l’assegurat, quan sigui que aix\u00f2 passi.<\/p>\n

En el mateix article parl\u00e0vem\u00a0de\u00a0la utilitat de contractar-lo,\u00a0i,\u00a0especialment,\u00a0per garantir la transmissi\u00f3 del patrimoni<\/strong> als hereus.<\/p>\n

 <\/p>\n

En aquesta ocasi\u00f3 parlarem del producte PIES\u00a0(Pla Individual d’Estalvi\u00a0Sistem\u00e0tic<\/strong>),\u00a0que s’ha convertit en una\u00a0de les millors\u00a0opcions\u00a0\u00e9s\u00a0per als estalviadors causa de la seva liquiditat, rendibilitat i\u00a0seguretat;\u00a0per aix\u00f2 la seva comercialitzaci\u00f3 ha crescut\u00a0exponencialment\u00a0en els \u00faltims anys.\u00a0Nom\u00e9s hi ha una pega: el l\u00edmit en les\u00a0aportacions,\u00a0que no poden superar els\u00a08.000 euros a l’any\u00a0ni els\u00a0de 240.000 en\u00a0tot el per\u00edode del\u00a0pla.<\/p>\n

 <\/p>\n

Ofereixen dos tipus d’inversi\u00f3: a inter\u00e8s\u00a0fix o amb\u00a0un\u00a0component de renda variable.<\/p>\n

 <\/p>\n

Conv\u00e9 aqu\u00ed comentar les difer\u00e8ncies dels PIAS pel que fa als plans de pensions:<\/p>\n

Pel que fa a la\u00a0fiscalitat,\u00a0el principal atractiu dels plans de pensions\u00a0es\u00a0la desgravaci\u00f3\u00a0fiscal<\/strong>,\u00a0que s’aplica\u00a0sobre les\u00a0aportacions;\u00a0mentre que en els\u00a0PIAS\u00a0el benefici fiscal es troba al final del contracte, ja que\u00a0s\u00f3n\u00a0els rendiments\u00a0i no les aportacions dels que\u00a0queden\u00a0exempts de\u00a0tributaci\u00f3.\u00a0Perqu\u00e8 aix\u00f2 passi han d’haver transcorregut almenys\u00a0cinc\u00a0anys\u00a0(fins al 2015 eren\u00a0deu anys)des que es va contractar\u00a0i que el capital\u00a0rebut\u00a0s’empri en\u00a0constituir una\u00a0renda vital\u00edcia\u00a0(de la qual parlarem en el seg\u00fcent\u00a0article).\u00a0Si,\u00a0per contra,\u00a0es decideix rebre la prestaci\u00f3 amb anterioritat a aquests\u00a0cinc\u00a0anys, els rendiments tributaran per IRPF.<\/p>\n

 <\/p>\n

La liquiditat tamb\u00e9 \u00e9s una difer\u00e8ncia essencial amb els plans de pensions doncs, mentre aquests\u00a0tenen el seu venciment en el mateix moment en qu\u00e8 l’assegurat accedeix a la condici\u00f3 de\u00a0pensionista,\u00a0i nom\u00e9s es poden reemborsar en determinades circumst\u00e0ncies,\u00a0els PIES tenen liquiditat immediata.<\/p>\n

 <\/p>\n

Ambos productes, plans de pensions i PIAS comparteixen una\u00a0caracter\u00edstica:\u00a0si\u00a0l’estalviador\u00a0no est\u00e0 content amb el rendiment del seu PIES, pot “mobilitzar” a un altre PIAS amb millors expectatives.<\/p>\n

 <\/p>\n

Igual que succeeix amb els plans de pensions, l’assegurat pot contractar tants PIES com desitgi -sense excedir els l\u00edmits d’aportacions establerts.<\/p>\n

 <\/p>\n

D’altra banda, si el que ens preocupa \u00e9s la\u00a0seguretat,\u00a0cal saber que mentre els productes financers estan garantits\u00a0pel\u00a0Fons de Garantia de Dip\u00f2sits, fins a 100.000 \u20ac per\u00a0client\u00a0(sempre que l’entitat est\u00e0 adherida al FGD\u00a0esmentat),\u00a0els plans de pensions i els PIES estan garantits al 100%\u00a0pel\u00a0Consorci de Compensaci\u00f3 d’Assegurances -dependent del Ministeri d’Economia\u00a0i Hisenda\u00a0– que actua com a fons de garantia, per\u00f2 sense establir cap l\u00edmit per als estalviadors.\u00a0A m\u00e9s,\u00a0a\u00a0causa\u00a0del marge de solv\u00e8ncia exigit a les asseguradores per part de la Direcci\u00f3 General d’Assegurances,\u00a0un cas d’insolv\u00e8ncia\u00a0seria\u00a0extremadament\u00a0improbable.<\/p>\n

 <\/p>\n

Existeixen moltes altres f\u00f3rmules d’estalvi en funci\u00f3 de les necessitats reals del client.\u00a0Per assessorar-se convenientment seu corredor d’assegurances t\u00e9 els coneixements i experi\u00e8ncia suficient.<\/p>\n","protected":false},"excerpt":{"rendered":"

Altres instruments d’estalvi El Pla Individual d’Estalvi Sistem\u00e0tic (PIES) En els nostres anteriors articles sobre l’estalvi don\u00e0vem un rep\u00e0s a la figura del corredor\u00a0d’assegurances,\u00a0als\u00a0tipus d’inter\u00e8s baixos,\u00a0a\u00a0la solv\u00e8ncia de les asseguradores,\u00a0a\u00a0les comissions que s’apliquen\u00a0i al\u00a0perfil de risc dels\u00a0clients,\u00a0etc.   Tamb\u00e9 vam donar una breu pinzellada\u00a0a l’asseguran\u00e7a de\u00a0Vida Sencera\u00a0(o asseguran\u00e7a\u00a0vital\u00edcia),\u00a0en el qual aprofundim en l’article\u00a0anterior\u00a0(II).\u00a0En i\u00a0aquest d\u00e8iem […]<\/p>\n","protected":false},"author":5,"featured_media":5534,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[23,20,11,14],"tags":[],"class_list":["post-5542","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consells-i-recomanacions","category-coses-que-hem-de-saber-sobre-les-assegurances","category-general-ca","category-informacio-dinteres"],"acf":[],"yoast_head":"\nL'asseguran\u00e7a d'estalvi en aquests temps que corren III<\/title>\n<meta name=\"description\" content=\"En aquesta ocasi\u00f3 parlarem del producte PIES, que s'ha convertit en una de les millors opcions per als estalviadors causa de la seva liquiditat\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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