{"id":18862,"date":"2023-11-28T00:00:00","date_gmt":"2023-11-28T00:00:00","guid":{"rendered":"https:\/\/www.cinc.com\/ets-autonom-a-descobreix-el-pla-de-pensions-mes-rendible-i-amb-major-benefici-fiscal\/"},"modified":"2023-12-21T11:36:04","modified_gmt":"2023-12-21T11:36:04","slug":"ets-autonom-a-descobreix-el-pla-de-pensions-mes-rendible-i-amb-major-benefici-fiscal","status":"publish","type":"post","link":"https:\/\/www.cinc.com\/ca\/ets-autonom-a-descobreix-el-pla-de-pensions-mes-rendible-i-amb-major-benefici-fiscal\/","title":{"rendered":"Ets aut\u00f2nom\/a? Descobreix el pla de pensions m\u00e9s rendible i amb major benefici fiscal"},"content":{"rendered":"<div style=\"text-align: justify;\">\n<div>\n\t\tTreballes per compte propi? Hauries de saber que les darreres reformes per a l&#39;impuls dels plans de pensions d&#39;ocupaci&oacute; ofereixen als treballadors aut&ograve;noms la possibilitat d&#39;ampliar les aportacions al pla de pensions, superant els l&iacute;mits establerts en el pla individual. T&#39;agradaria treure&#39;n profit d&#39;aquesta oportunitat?<\/div>\n<div>\n\t\t&nbsp;<\/div>\n<div>\n\t\tDes de CINC Corredoria de d&rsquo;Assegurances et presentem una soluci&oacute; nova i &uacute;nica al mercat per complementar la pensi&oacute; p&uacute;blica i comptar majors beneficis fiscals: el Pla d&#39;Ocupaci&oacute; Simplificat Mapfre ATA per a aut&ograve;noms. Gr&agrave;cies a aquesta alternativa, podr&agrave;s aportar i deduir-te a l&#39;any a l&#39;IRPF un m&agrave;xim 5.750&euro; d&#39;aportaci&oacute;.<\/div>\n<div>\n\t\t&nbsp;<\/div>\n<div>\n\t\tEn vols saber m&eacute;s? A continuaci&oacute;, t&rsquo;expliquem amb m&eacute;s detall les seves caracter&iacute;stiques.<\/div>\n<div>\n\t\t&nbsp;<\/div>\n<div>\n<h2 class=\"h2Noticia\">\n\t\t\tCom funciona el pla de pensions d&#39;ocupaci&oacute; simplificat per a aut&ograve;noms?<\/h2>\n<hr \/><\/div>\n<div>\n\t\tA trav&eacute;s de les diferents aportacions realitzades (inicials, peri&ograve;diques, extraordin&agrave;ries, aix&iacute; com mobilitzacions d&#39;altres fons de pensions individuals o col&middot;lectius), la gestora far&agrave; una distribuci&oacute; dels drets consolidats entre dos subplans (un on predomina la renda variable i un altre on predomina la renda fixa), dotant d&#39;una inversi&oacute; m&eacute;s gran en renda variable com m&eacute;s lluny est&agrave; la jubilaci&oacute; i reduint la seva exposici&oacute; augmentant la de renda fixa a mesura que l&#39;empleat s&#39;acosta a la seva edat de retir, de forma autom&agrave;tica.<\/div>\n<div>\n\t\t&nbsp;<\/div>\n<div>\n\t\tPodran realitzar aquestes aportacions tots els aut&ograve;noms, siguin o no associats a ATA.<\/div>\n<div>\n\t\t&nbsp;<\/div>\n<div>\n<h2 class=\"h2Noticia\">\n\t\t\tQuins beneficis t&eacute;?<\/h2>\n<hr \/><\/div>\n<ul>\n<li>\n\t\t\tM&agrave;xima rendibilitat i rapidesa: gesti&oacute; activa que ajusta autom&agrave;ticament la gesti&oacute; de la renda variable segons l&#39;edat del treballador\/a fins a l&#39;edat de jubilaci&oacute;.<\/li>\n<li>\n\t\t\tMajor estalvi fiscal: podr&agrave;s aportar fins a 5.750 &euro;, aprofitant el l&iacute;mit m&agrave;xim de deducci&oacute; fiscal, amb flexibilitat a les aportacions.<\/li>\n<li>\n\t\t\tDespeses redu&iuml;des: els costos interns s&oacute;n redu&iuml;ts, en comparaci&oacute; amb altres plans similars.<\/li>\n<li>\n\t\t\tMobilitzaci&oacute; d&#39;altres plans: permet la mobilitzaci&oacute; de plans de pensions individuals, del sistema d&#39;ocupaci&oacute; i dels plans de previsi&oacute; assegurats (PPA).<\/li>\n<\/ul>\n<div>\n<h2 class=\"h2Noticia\">\n\t\t\tQuines cobertures ofereix?<\/h2>\n<hr \/><\/div>\n<ul>\n<li>\n\t\t\tJubilaci&oacute;<\/li>\n<li>\n\t\t\tDefunci&oacute;<\/li>\n<li>\n\t\t\tIncapacitat<\/li>\n<li>\n\t\t\tDepend&egrave;ncia<\/li>\n<li>\n\t\t\tAtur de llarga durada<\/li>\n<li>\n\t\t\tMalalties greus<\/li>\n<li>\n\t\t\tLiquidesa d&rsquo;aportacions amb 10 anys d&rsquo;antiguitat<\/li>\n<\/ul>\n<div>\n<h2 class=\"h2Noticia\">\n\t\t\tQuines formes de cobrament de la prestaci&oacute; permet el pla?<\/h2>\n<hr \/><\/div>\n<div>\n\t\tHi ha tres maneres diferents de cobrar la prestaci&oacute;, combinables entre si per aconseguir l&#39;optimitzaci&oacute; fiscal desitjada.<\/div>\n<ul>\n<li>\n\t\t\tEn forma de capital.<\/li>\n<li>\n\t\t\tEn forma de renda.<\/li>\n<li>\n\t\t\tForma mixta.<\/li>\n<\/ul>\n<div>\n\t\tPer a m&eacute;s informaci&oacute;, no dubtis en contactar amb CINC Corredoria d&rsquo;Assegurances<\/div>\n<div style=\"text-align: center;\">\n\t\t&nbsp;<\/div>\n<div style=\"text-align: center;\">\n\t\t<a class=\"button botoTextBlanc btn-primary btn-round\" href=\"https:\/\/www.cinc.com\/ca\/contacte\/contacte\">CONTACTE<\/a><\/div>\n<\/div>\n<p>\n\t&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p style=\"text-align: justify;\">\n\tTreballes per compte propi? Hauries de saber que les darreres reformes per a l&#39;impuls dels plans de pensions d&#39;ocupaci&oacute; ofereixen als treballadors aut&ograve;noms la possibilitat d&#39;ampliar les aportacions al pla de pensions, superant els l&iacute;mits establerts en el pla individual. T&#39;agradaria treure&#39;n profit d&#39;aquesta oportunitat?<\/p>\n","protected":false},"author":1,"featured_media":19280,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[22],"tags":[],"class_list":["post-18862","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-corredoria"],"acf":[],"jetpack_featured_media_url":"https:\/\/www.cinc.com\/wp-content\/uploads\/2023\/12\/1269.jpg","uagb_featured_image_src":{"full":["https:\/\/www.cinc.com\/wp-content\/uploads\/2023\/12\/1269.jpg",1113,361,false],"thumbnail":["https:\/\/www.cinc.com\/wp-content\/uploads\/2023\/12\/1269-150x150.jpg",150,150,true],"medium":["https:\/\/www.cinc.com\/wp-content\/uploads\/2023\/12\/1269-300x97.jpg",300,97,true],"medium_large":["https:\/\/www.cinc.com\/wp-content\/uploads\/2023\/12\/1269-768x249.jpg",768,249,true],"large":["https:\/\/www.cinc.com\/wp-content\/uploads\/2023\/12\/1269-1024x332.jpg",960,311,true],"1536x1536":["https:\/\/www.cinc.com\/wp-content\/uploads\/2023\/12\/1269.jpg",1113,361,false],"2048x2048":["https:\/\/www.cinc.com\/wp-content\/uploads\/2023\/12\/1269.jpg",1113,361,false],"gform-image-choice-sm":["https:\/\/www.cinc.com\/wp-content\/uploads\/2023\/12\/1269.jpg",300,97,false],"gform-image-choice-md":["https:\/\/www.cinc.com\/wp-content\/uploads\/2023\/12\/1269.jpg",400,130,false],"gform-image-choice-lg":["https:\/\/www.cinc.com\/wp-content\/uploads\/2023\/12\/1269.jpg",600,195,false]},"uagb_author_info":{"display_name":"Pol","author_link":"https:\/\/www.cinc.com\/ca\/author\/pol\/"},"uagb_comment_info":0,"uagb_excerpt":"Treballes per compte propi? Hauries de saber que les darreres reformes per a l&#39;impuls dels plans de pensions d&#39;ocupaci&oacute; ofereixen als treballadors aut&ograve;noms la possibilitat d&#39;ampliar les aportacions al pla de pensions, superant els l&iacute;mits establerts en el pla individual. T&#39;agradaria treure&#39;n profit d&#39;aquesta oportunitat?","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/posts\/18862","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/comments?post=18862"}],"version-history":[{"count":1,"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/posts\/18862\/revisions"}],"predecessor-version":[{"id":18957,"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/posts\/18862\/revisions\/18957"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/media\/19280"}],"wp:attachment":[{"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/media?parent=18862"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/categories?post=18862"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/tags?post=18862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}