{"id":5044,"date":"2023-11-13T16:10:22","date_gmt":"2023-11-13T16:10:22","guid":{"rendered":"https:\/\/www.fpecaixa.info\/els-fons-de-pensions-i-la-rendibilitat-a-llarg-termini\/"},"modified":"2023-12-14T11:36:38","modified_gmt":"2023-12-14T11:36:38","slug":"els-fons-de-pensions-i-la-rendibilitat-a-llarg-termini","status":"publish","type":"post","link":"https:\/\/www.fpecaixa.info\/ca\/els-fons-de-pensions-i-la-rendibilitat-a-llarg-termini\/","title":{"rendered":"Els fons de pensions i la rendibilitat a llarg termini"},"content":{"rendered":"\n
Petits canvis en rendibilitat suposen grans difer\u00e8ncies<\/h2>\n\n\n\n
La rendibilitat a llarg termini dels plans de pensions pot arribar a marcar el nivell financer que anem a tenir a l’hora de jubilar-nos.<\/p>\n\n\n\n
El component multiplicador que suposa que els diners del fons es reinverteixi, i no es tregui d’aquest, t\u00e9 un efecte que a vegades \u00e9s dif\u00edcil intuir quan parlem de saldo acumulat.<\/p>\n\n\n\n
Intentarem fer un exemple sobre la base de les recents rendibilitats que ha publicat Inverco respecte a diferents tipus d’instruments d’estalvi.<\/p>\n\n\n\n
El Llarg Termini<\/h3>\n\n\n\n
Comencem amb el termini m\u00e9s llarg del que tenim dades, 15 anys, que \u00e9s, sens dubte, el m\u00e9s rellevant donat l’efecte multiplicador de la reinversi\u00f3:<\/p>\n\n\n\n
<\/figure><\/div>\n\n\n\n
En la taula de dalt veiem les rendibilitats equivalents dels diferents instruments a 15 anys. \u00c9s dif\u00edcil quantificar qu\u00e8 suposa, per exemple, una difer\u00e8ncia de rendibilitat de poc m\u00e9s d’un 2% entre el PC30 i la mitjana dels Fons d’Ocupaci\u00f3.<\/p>\n\n\n\n
En la gr\u00e1fica que sigue podemos ver c\u00f3mo 100.000\u20ac invertidos en PC30 (rentabilidad 4,78%) se han convertido 15 a\u00f1os despu\u00e9s en algo m\u00e1s de 200.000\u20ac<\/strong>. En el mateix per\u00edode, una rendibilitat del 2,60%, que \u00e9s la que han donat de mitjana els fons d’ocupaci\u00f3 a Espanya, haurien transformat aquests 100.000\u20ac en una mica menys de 147.000\u20ac.<\/strong><\/p>\n\n\n\n
D’aquesta manera podem veure que, en el molt llarg termini, una difer\u00e8ncia de rendibilitat que, a simple vista, no sembla molt dispar, acaba traduint-se en termes monetaris en una quantitat realment rellevant.<\/p>\n\n\n\n
<\/figure><\/div>\n\n\n\n
Ens centrarem en un termini molt de menor per a intentar veure quins efectes t\u00e9 la difer\u00e8ncia de rendibilitat en terminis m\u00e9s curts.<\/p>\n\n\n\n
A continuaci\u00f3, es mostra el comportament dels actius de l’anterior exemple en els \u00faltims 3 anys:<\/p>\n\n\n\n
<\/figure><\/div>\n\n\n\n
<\/p>\n\n\n\n
Encara que les difer\u00e8ncies en rendibilitats siguin molt majors, els efectes a nivell monetari, donat el menor horitz\u00f3 temporal, s\u00f3n molt m\u00e9s limitats.<\/p>\n\n\n\n
Curt Termini<\/h3>\n\n\n\n
Encara que les difer\u00e8ncies en rendibilitats siguin molt majors, els efectes a nivell monetari, donat el menor horitz\u00f3 temporal, s\u00f3n molt m\u00e9s limitats.<\/p>\n\n\n\n
Aix\u00ed, si partim de la mateixa quantitat que l’exemple anterior, els 100.000\u20ac inicialment invertits en el PC30, amb una rendibilitat del 4.11%, s’haurien transformat a final del tercer any en uns 113.000\u20ac<\/strong>. En el cas d’obtenir una rendibilitat igual al dels Fons d’Ocupaci\u00f3, sensiblement menor en aquest cas (1,25%), el resultat final seria de 104.000\u20ac<\/strong>.<\/p>\n\n\n\n
Encara que la difer\u00e8ncia no \u00e9s poca, aquesta clar que no implica una difer\u00e8ncia essencial a l’hora de jubilar-se.<\/p>\n\n\n\n
Potser en aquest cas pot tamb\u00e9 tenir valor la comparaci\u00f3 amb l’IPC, at\u00e8s que aquest marca la rendibilitat en termes reals del fons. Donada la taxa d’IPC, el valor equivalent dels 100.000\u20ac inicials serien, despr\u00e9s de tres anys, uns 117.000\u20ac<\/strong>. Encara que el fons hagi perdut valor en el per\u00edode, la difer\u00e8ncia no resulta significativa a l’hora de marcar el complement a la pensi\u00f3 de jubilaci\u00f3.<\/p>\n\n\n\n
En la seg\u00fcent gr\u00e0fica es mostra l’evoluci\u00f3 dels diferents instruments a tres anys:<\/p>\n\n\n\n
<\/figure><\/div>\n\n\n\n
La clau est\u00e0 en el llarg termini<\/h3>\n\n\n\n
Quan es tracta de rendibilitats a curt termini, difer\u00e8ncies en els rendiments no suposen difer\u00e8ncies monet\u00e0ries que afectin el nivell financer d’un part\u00edcip. A llarg termini, per contra, l’efecte multiplicador de la reinversi\u00f3 implica que difer\u00e8ncies relativament petites en rendibilitat puguin arribar a ser molt rellevants.<\/p>\n\n\n\n
La naturalesa dels plans de pensions d’ocupaci\u00f3, en els quals la reinversi\u00f3 no \u00e9s optativa, implica que el rendiment a llarg termini pugui suposar difer\u00e8ncies rellevants a l’hora de jubilar-se.<\/p>\n","protected":false},"excerpt":{"rendered":"
Petits canvis en rendibilitat suposen grans difer\u00e8ncies La rendibilitat a llarg termini dels plans de pensions pot arribar a marcar el nivell financer que anem a tenir a l’hora de jubilar-nos. El component multiplicador que suposa que els diners del fons es reinverteixi, i no es tregui d’aquest, t\u00e9 un efecte que a vegades \u00e9s […]<\/p>\n","protected":false},"author":6,"featured_media":5006,"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":[56,57,21],"tags":[],"class_list":["post-5044","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-destacades","category-noticies","category-sense-categoria"],"acf":[],"yoast_head":"\n
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