{"id":2715,"date":"2020-11-11T09:03:00","date_gmt":"2020-11-11T09:03:00","guid":{"rendered":"http:\/\/www.fpecaixa.info\/noves-formes-de-cobrament-en-el-pla-de-pensions-de-empleats-de-caixabank\/"},"modified":"2021-10-19T13:53:29","modified_gmt":"2021-10-19T13:53:29","slug":"noves-formes-de-cobrament-en-el-pla-de-pensions-de-empleats-de-caixabank","status":"publish","type":"post","link":"https:\/\/www.fpecaixa.info\/ca\/noves-formes-de-cobrament-en-el-pla-de-pensions-de-empleats-de-caixabank\/","title":{"rendered":"Noves formes de cobrament en el Pla de Pensions d’Empleats de CaixaBank"},"content":{"rendered":"\n

En un entorn de tipus d’inter\u00e8s com l’actual, algunes de les formes de cobrament que el Pla de Pensions de CaixaBank ofereix als seus part\u00edcips resulten, a vegades, inaplicables. \u00c9s el cas, per exemple, de diferents modalitats de rendes assegurades. Depenent de les circumst\u00e0ncies, la combinaci\u00f3 del termini previst de la renda amb el nivell de tipus d’inter\u00e8s que ofereixen els actius que possibilitaria assegurar tal renda no permet oferir aquesta modalitat. El comportament de PC30 al llarg de la seva hist\u00f2ria, tal com pot observar-se en la informaci\u00f3 que publiquem mensualment, ha ofert una rendibilitat a llarg termini que ha perm\u00e8s rebre una renda als part\u00edcips que han triat la modalitat de renda financera que encaixa amb els objectius del Fons (Euribor a 3M + 2,75%). No obstant aix\u00f2, per a aquells que prefereixen una opci\u00f3 que elimini la incertesa respecte al termini dels seus ingressos futurs, a costa d’una possible major rendibilitat, la conjuntura actual els ha deixat sense opcions.<\/p>\n\n

Per a cobrir aquesta demanda, el Pla de Pensions d’Empleats de CaixaBank ofereix, des del passat 14 d’octubre de 2020, una nova forma de cobrament. Aquesta forma, denominada Rendes Pla, ofereix l’opci\u00f3 de percebre una renda assegurada amb la possibilitat addicional que, en el moment en el qual es deixi de percebre la prestaci\u00f3, els beneficiaris designats rebin un capital associat a una cartera d’actius financers. Es tracta doncs d’un producte h\u00edbrid en el qual part de la inversi\u00f3 va destinada a garantir una renda vital\u00edcia mentre que l’altra, la cartera gestionada, va destinada a maximitzar el valor de mercat dels actius en els quals aquesta inverteix. La modalitat ofereix dues variants: una amb una major renda assegurada i menor cartera gestionada (i per tant, menor valor potencial a venciment) i una altra amb menor renda i major cartera gestionada. La primera variant rep el nom de Rendes Pla Tranquil\u00b7litat i la segona el de Rendes Pla Inversi\u00f3.<\/p>\n\n

Com totes les rendes assegurades, aquesta modalitat de cobrament s’instrumenta a trav\u00e9s d’una p\u00f2lissa. Els actius de les dues carteres, la de cobertura i la d’inversi\u00f3, s\u00f3n seleccionats segons l’\u00fanic criteri de VidaCaixa, a difer\u00e8ncia del Fons de Pensions, amb naturalesa eminentment inversora, que es regeix mitjan\u00e7ant el mandat de la Comissi\u00f3 de Control. No obstant aix\u00f2, el Pla rep informaci\u00f3 peri\u00f2dica sobre la composici\u00f3 de la cartera d’inversi\u00f3.<\/p>\n\n

A t\u00edtol il\u00b7lustratiu, a 28 d’octubre de 2020, un Rendes Pla Tranquilitat per a una persona de 65 anys oferiria una renda de 2,32% i permetria recuperar el 100% en la cartera gestionada en 30 anys suposant una rendibilitat bruta esperada del 5,50% en aquesta. D’altra banda, la rendibilitat anual del Fons en els \u00faltims 20 anys, seria equivalent a rebre una renda a 30 anys del 3,80% recuperant el 100% del capital o una renda del 5,50% (suposant aquest 3,80% de rendibilitat) si el capital al final d’aquests 30 anys fos zero. \u00d2bviament, en el cas de la renda assegurada, aquesta es percebria mentre l’assegurat segu\u00eds amb vida i, per tant, addicionalment a la difer\u00e8ncia de rendibilitats, cal tenir en compte que la primera opci\u00f3 suposa un menor nivell d’incertesa.<\/p>\n\n

Per a m\u00e9s informaci\u00f3 sobre aquesta nova forma de cobrament o qualsevol de les ja existents, us podeu dirigir a l’oficina del part\u00edcip en el correu oficinafp@caixabank.com<\/a><\/p>\n\n

\"\"<\/figure><\/div>\n","protected":false},"excerpt":{"rendered":"

En un entorn de tipus d’inter\u00e8s com l’actual, algunes de les formes de cobrament que el Pla de Pensions de CaixaBank ofereix als seus part\u00edcips resulten, a vegades, inaplicables. \u00c9s el cas, per exemple, de diferents modalitats de rendes assegurades. Depenent de les circumst\u00e0ncies, la combinaci\u00f3 del termini previst de la renda amb el nivell […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[57],"tags":[],"class_list":["post-2715","post","type-post","status-publish","format-standard","hentry","category-noticies"],"acf":[],"yoast_head":"\nNoves formes de cobrament en el Pla de Pensions d'Empleats de CaixaBank - Plan de Pensiones de Empleo (PC30)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fpecaixa.info\/nuevas-formas-de-cobro-en-el-plan-de-pensiones-de-empleados-de-caixabank\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Noves formes de cobrament en el Pla de Pensions d'Empleats de CaixaBank - Plan de Pensiones de Empleo (PC30)\" \/>\n<meta property=\"og:description\" content=\"En un entorn de tipus d’inter\u00e8s com l’actual, algunes de les formes de cobrament que el Pla de Pensions de CaixaBank ofereix als seus part\u00edcips resulten, a vegades, inaplicables. \u00c9s el cas, per exemple, de diferents modalitats de rendes assegurades. 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