{"id":27770,"date":"2024-11-25T10:14:45","date_gmt":"2024-11-25T09:14:45","guid":{"rendered":"https:\/\/www.cinc.com\/?p=27770"},"modified":"2024-11-25T10:14:46","modified_gmt":"2024-11-25T09:14:46","slug":"ets-autonom-a-descobreix-el-pla-de-pensions-mes-rendible-i-amb-major-benefici-fiscal-2","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-2\/","title":{"rendered":"Ets aut\u00f2nom\/a? Descobreix el pla de pensions m\u00e9s rendible i amb major benefici fiscal"},"content":{"rendered":"\n<p>Ets aut\u00f2nom? \u00c9s important que s\u00e0pigues que les \u00faltimes reformes per fomentar els plans de pensions d&#8217;ocupaci\u00f3 permeten als treballadors per compte propi augmentar les aportacions al seu pla de pensions, superant els l\u00edmits establerts pel pla individual. T&#8217;agradaria aprofitar aquesta oportunitat?<\/p>\n\n\n\n<p>Des de CINC Corredur\u00eda de Seguros, t&#8217;oferim una soluci\u00f3 innovadora i exclusiva al mercat per complementar la teva pensi\u00f3 p\u00fablica i obtenir m\u00e9s beneficis fiscals: el Pla d&#8217;Ocupaci\u00f3 Simplificat Mapfre ATA per a aut\u00f2noms. Amb aquesta opci\u00f3, podr\u00e0s aportar i deduir fins a 5.750\u20ac a l&#8217;any a la teva declaraci\u00f3 de l&#8217;IRPF.<\/p>\n\n\n\n<p>T&#8217;interessa con\u00e8ixer m\u00e9s? A continuaci\u00f3, et detallem les seves caracter\u00edstiques.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Com funciona el pla de pensions d&#8217;ocupaci\u00f3 simplificat per a aut\u00f2noms?<\/h2>\n\n\n\n<p>A trav\u00e9s de les diferents aportacions realitzades (inicials, peri\u00f2diques, extraordin\u00e0ries, aix\u00ed com mobilitzacions d&#8217;altres fons de pensions individuals o col\u00b7lectius), la gestora far\u00e0 una distribuci\u00f3 dels drets consolidats entre dos subplans (un on predomina la renda variable i un altre on predomina la renda fixa), dotant d&#8217;una inversi\u00f3 m\u00e9s gran en renda variable com m\u00e9s lluny est\u00e0 la jubilaci\u00f3 i reduint la seva exposici\u00f3 augmentant la de renda fixa a mesura que l&#8217;empleat s&#8217;acosta a la seva edat de retir, de forma autom\u00e0tica.<\/p>\n\n\n\n<p>Podran realitzar aquestes aportacions tots els aut\u00f2noms, siguin o no associats a ATA.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quins avantatges t\u00e9?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u00e0xima rendibilitat i rapidesa: gesti\u00f3 activa que ajusta autom\u00e0ticament la gesti\u00f3 de la renda variable segons l&#8217;edat del treballador\/a fins a l&#8217;edat de jubilaci\u00f3.<\/li>\n\n\n\n<li>Major estalvi fiscal: podr\u00e0s aportar fins a 5.750 \u20ac, aprofitant el l\u00edmit m\u00e0xim de deducci\u00f3 fiscal, amb flexibilitat a les aportacions.<\/li>\n\n\n\n<li>Despeses redu\u00efdes: els costos interns s\u00f3n redu\u00efts, en comparaci\u00f3 amb altres plans similars.<\/li>\n\n\n\n<li>Mobilitzaci\u00f3 d&#8217;altres plans: permet la mobilitzaci\u00f3 de plans de pensions individuals, del sistema d&#8217;ocupaci\u00f3 i dels plans de previsi\u00f3 assegurats (PPA).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Quines cobertures ofereix?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Defunci\u00f3<\/li>\n\n\n\n<li>Jubilaci\u00f3<\/li>\n\n\n\n<li>Incapacitat<\/li>\n\n\n\n<li>Depend\u00e8ncia<\/li>\n\n\n\n<li>Atur de llarga durada<\/li>\n\n\n\n<li>Malalties greus<\/li>\n\n\n\n<li>Liquidesa d\u2019aportacions amb 10 anys d\u2019antiguitat<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Quines formes de cobrament de la prestaci\u00f3 permet el pla?<\/h2>\n\n\n\n<p>Hi ha tres maneres diferents de cobrar la prestaci\u00f3, combinables entre si per aconseguir l&#8217;optimitzaci\u00f3 fiscal desitjada.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>En forma de capital.<\/li>\n\n\n\n<li>En forma de renda.<\/li>\n\n\n\n<li>Forma mixta.<\/li>\n<\/ul>\n\n\n\n<p>Per a m\u00e9s informaci\u00f3, no dubtis en <a href=\"https:\/\/www.cinc.com\/ca\/contacte\/\">contactar<\/a> amb <a href=\"https:\/\/www.cinc.com\/ca\/corredoria\/\">CINC Corredoria d\u2019Assegurances<\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ets aut\u00f2nom? Aprofita les reformes de pensions per augmentar les teves aportacions i gaudir de m\u00e9s beneficis fiscals.<\/p>\n","protected":false},"author":8,"featured_media":27763,"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":[162],"class_list":["post-27770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-corredoria","tag-corredoria"],"acf":[],"jetpack_featured_media_url":"https:\/\/www.cinc.com\/wp-content\/uploads\/Fotos-Blog-CINC-WordPress-23-1-1.webp","uagb_featured_image_src":{"full":["https:\/\/www.cinc.com\/wp-content\/uploads\/Fotos-Blog-CINC-WordPress-23-1-1.webp",1920,1080,false],"thumbnail":["https:\/\/www.cinc.com\/wp-content\/uploads\/Fotos-Blog-CINC-WordPress-23-1-1-150x150.webp",150,150,true],"medium":["https:\/\/www.cinc.com\/wp-content\/uploads\/Fotos-Blog-CINC-WordPress-23-1-1-300x169.webp",300,169,true],"medium_large":["https:\/\/www.cinc.com\/wp-content\/uploads\/Fotos-Blog-CINC-WordPress-23-1-1-768x432.webp",768,432,true],"large":["https:\/\/www.cinc.com\/wp-content\/uploads\/Fotos-Blog-CINC-WordPress-23-1-1-1024x576.webp",960,540,true],"1536x1536":["https:\/\/www.cinc.com\/wp-content\/uploads\/Fotos-Blog-CINC-WordPress-23-1-1-1536x864.webp",1536,864,true],"2048x2048":["https:\/\/www.cinc.com\/wp-content\/uploads\/Fotos-Blog-CINC-WordPress-23-1-1.webp",1920,1080,false],"gform-image-choice-sm":["https:\/\/www.cinc.com\/wp-content\/uploads\/Fotos-Blog-CINC-WordPress-23-1-1.webp",300,169,false],"gform-image-choice-md":["https:\/\/www.cinc.com\/wp-content\/uploads\/Fotos-Blog-CINC-WordPress-23-1-1.webp",400,225,false],"gform-image-choice-lg":["https:\/\/www.cinc.com\/wp-content\/uploads\/Fotos-Blog-CINC-WordPress-23-1-1.webp",600,338,false]},"uagb_author_info":{"display_name":"F\u00e0tima Duran","author_link":"https:\/\/www.cinc.com\/ca\/author\/fatima\/"},"uagb_comment_info":0,"uagb_excerpt":"Ets aut\u00f2nom? Aprofita les reformes de pensions per augmentar les teves aportacions i gaudir de m\u00e9s beneficis fiscals.","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/posts\/27770","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\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/comments?post=27770"}],"version-history":[{"count":4,"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/posts\/27770\/revisions"}],"predecessor-version":[{"id":27924,"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/posts\/27770\/revisions\/27924"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/media\/27763"}],"wp:attachment":[{"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/media?parent=27770"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/categories?post=27770"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cinc.com\/ca\/wp-json\/wp\/v2\/tags?post=27770"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}