Fins a la data, els plans de pensions nom\u00e9s permetien el seu rescat en situacions espec\u00edfiques: jubilaci\u00f3, desocupaci\u00f3 de llarga durada, incapacitat, malaltia greu, o defunci\u00f3 del titular, i en aquest cas els beneficiaris podien rebre els fons com a rendiment del treball. Aquesta nova regulaci\u00f3 introdueix una excepci\u00f3, aplicable a partir de 2025, que donar\u00e0 m\u00e9s flexibilitat als part\u00edcips.<\/p>\n
La reforma dels plans de pensions<\/strong><\/h3>\nLa normativa estableix dos canvis fonamentals en l’operativa dels plans de pensions. El primer \u00e9s la possibilitat de rescatar les aportacions amb m\u00e9s de deu anys d’antiguitat, comen\u00e7ant per aquelles realitzades abans de 2015. Per tant, des de 2025 es podr\u00e0 disposar del capital aportat fins a 2015, mentre que les contribucions de 2016 estaran disponibles a partir de 2026, i aix\u00ed consecutivament.<\/p>\n
El segon canvi rellevant \u00e9s la reducci\u00f3 de les comissions de gesti\u00f3. Aquestes passaran d’una mitjana de l’1,5% a l’1,25%, i en fons vinculats a la renda fixa, les comissions podran reduir-se fins al 0,85%. Aquest ajust en els costos de gesti\u00f3 ja \u00e9s efectiu des de 2018, i el seu objectiu \u00e9s fer els plans de pensions m\u00e9s atractius i accessibles per als estalviadors.<\/p>\n
Com recuperar les aportacions<\/strong><\/h3>\nLa norma estableix que es podr\u00e0 recuperar la inversi\u00f3 feta m\u00e9s la revaloraci\u00f3 obtinguda durant els deu anys de perman\u00e8ncia en el fons. Per a calcular la suma rescatable, es considerar\u00e0 el nombre de participacions adquirides al moment de l’aportaci\u00f3 i el seu valor actualitzat. Aquesta mesura pret\u00e9n dotar de m\u00e9s dinamisme i liquiditat als plans, fent-ne una opci\u00f3 m\u00e9s vers\u00e0til per a planificar l’estalvi a llarg termini.<\/p>\n
Fiscalitat del rescat a deu anys<\/strong><\/h3>\nEncara que s’amplia la liquiditat d’aquests productes, la fiscalitat del rescat continua sent la mateixa que en els sup\u00f2sits tradicionals com la jubilaci\u00f3. Els diners retirats es consideren un rendiment del treball i tributen en la base general de l’IRPF. Depenent de l’import total i l’escala progressiva de l’impost, el percentatge aplicable oscil\u00b7lar\u00e0 entre el 19% i el 47%. Aix\u00f2 significa que els diners rescatats se sumaran al salari i altres ingressos, la qual cosa podria modificar el tipus marginal aplicable.<\/p>\n
\u00c9s important recordar que el rescat d’un pla de pensions tamb\u00e9 compta com un segon pagador en la declaraci\u00f3 de l’IRPF, la qual cosa podria afectar l’obligaci\u00f3 de presentar la declaraci\u00f3 anual si el total rescatat supera uns certs l\u00edmits.<\/p>\n
Opcions de rescat<\/strong><\/h3>\nEn arribar al termini de deu anys, els part\u00edcips disposaran de tres formes de rescat: en forma de renda, de capital o mixta. Optar pel rescat en forma de renda permet rebre pagaments peri\u00f2dics, la qual cosa, en termes fiscals, pot resultar m\u00e9s avantatj\u00f3s, ja que l’impost s’aplicar\u00e0 de manera progressiva i ajustada als trams de la base imposable. En canvi, optar per rescatar el capital de cop pot incrementar significativament la base imposable, elevant aix\u00ed el tipus marginal aplicable.<\/p>\n
Una opci\u00f3 interessant per als qui van fer aportacions abans del 31 de desembre de 2006 \u00e9s la possibilitat d’aplicar una reducci\u00f3 fiscal del 40% sobre les quantitats retirades. Aix\u00f2 implica que, si es rescaten, per exemple, 50.000 euros, nom\u00e9s 30.000 s’afegiran a la base imposable. No obstant aix\u00f2, s’ha de tenir en compte que, en tractar-se d’un import elevat, podria fer que el contribuent ascendeixi de tram i enfronti un tipus impositiu \u00e9s elevat.<\/p>\n
Consideracions fiscals i alternatives d’inversi\u00f3<\/strong><\/h3>\nDes d’una perspectiva fiscal, rescatar el pla de pensions abans de la jubilaci\u00f3 pot implicar pagar m\u00e9s impostos, ja que l’IRPF aplicat al salari tendeix a ser m\u00e9s elevat que el corresponent a una pensi\u00f3. Per aix\u00f2, \u00e9s fonamental avaluar no nom\u00e9s la fiscalitat, sin\u00f3 tamb\u00e9 el cost d’oportunitat associat. Mantenir els diners en un pla de pensions implica deixar-lo en un producte amb rendibilitat variable i comissions espec\u00edfiques, mentre que podria ser m\u00e9s rendible invertir en altres instruments com ara un fons d’inversi\u00f3 o carteres indexades.<\/p>\n
En conclusi\u00f3, la possibilitat de rescatar plans de pensions amb m\u00e9s de deu anys d’antiguitat, a partir de 2025, suposa un avan\u00e7 significatiu en la flexibilitat i accessibilitat d’aquests productes. No obstant aix\u00f2, \u00e9s important que els part\u00edcips valorin acuradament les implicacions fiscals i alternatives d’inversi\u00f3 abans de prendre una decisi\u00f3, per a maximitzar el rendiment dels seus estalvis i optimitzar la seva planificaci\u00f3 financera a llarg termini.<\/p>\n
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Som corredors d’assegurances i assessors fiscals. Consulteu-nos sense comprom\u00eds trucant al 972 208 258, o per correu electr\u00f2nic adre\u00e7at a info@rm-assessors.cat.<\/em><\/span><\/h3>\n","protected":false},"excerpt":{"rendered":"A partir de 2025 es podr\u00e0 rescatar un pla de pensions. Nom\u00e9s caldr\u00e0 que hagin passat m\u00e9s de deu anys des que es van fer les aportacions al pla. El capital acumulat que compleixi aquesta condici\u00f3 es podr\u00e0 rescatar sense donar cap explicaci\u00f3 a l’entitat financera. Recordem que el Reial decret 62\/2018 va\u00a0 elevar la […]<\/p>\n","protected":false},"author":18,"featured_media":13084,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[21,41,16],"tags":[2255,2936,376,2935],"class_list":["post-13087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-destacats","category-fiscal-i-comptable","tag-irpf-plans-pensions","tag-recuperar-10-anys","tag-rescat-pla-pensions","tag-rescat-pla-pnsions"],"acf":[],"yoast_head":"\n
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La norma estableix que es podr\u00e0 recuperar la inversi\u00f3 feta m\u00e9s la revaloraci\u00f3 obtinguda durant els deu anys de perman\u00e8ncia en el fons. Per a calcular la suma rescatable, es considerar\u00e0 el nombre de participacions adquirides al moment de l’aportaci\u00f3 i el seu valor actualitzat. Aquesta mesura pret\u00e9n dotar de m\u00e9s dinamisme i liquiditat als plans, fent-ne una opci\u00f3 m\u00e9s vers\u00e0til per a planificar l’estalvi a llarg termini.<\/p>\n
Fiscalitat del rescat a deu anys<\/strong><\/h3>\nEncara que s’amplia la liquiditat d’aquests productes, la fiscalitat del rescat continua sent la mateixa que en els sup\u00f2sits tradicionals com la jubilaci\u00f3. Els diners retirats es consideren un rendiment del treball i tributen en la base general de l’IRPF. Depenent de l’import total i l’escala progressiva de l’impost, el percentatge aplicable oscil\u00b7lar\u00e0 entre el 19% i el 47%. Aix\u00f2 significa que els diners rescatats se sumaran al salari i altres ingressos, la qual cosa podria modificar el tipus marginal aplicable.<\/p>\n
\u00c9s important recordar que el rescat d’un pla de pensions tamb\u00e9 compta com un segon pagador en la declaraci\u00f3 de l’IRPF, la qual cosa podria afectar l’obligaci\u00f3 de presentar la declaraci\u00f3 anual si el total rescatat supera uns certs l\u00edmits.<\/p>\n
Opcions de rescat<\/strong><\/h3>\nEn arribar al termini de deu anys, els part\u00edcips disposaran de tres formes de rescat: en forma de renda, de capital o mixta. Optar pel rescat en forma de renda permet rebre pagaments peri\u00f2dics, la qual cosa, en termes fiscals, pot resultar m\u00e9s avantatj\u00f3s, ja que l’impost s’aplicar\u00e0 de manera progressiva i ajustada als trams de la base imposable. En canvi, optar per rescatar el capital de cop pot incrementar significativament la base imposable, elevant aix\u00ed el tipus marginal aplicable.<\/p>\n
Una opci\u00f3 interessant per als qui van fer aportacions abans del 31 de desembre de 2006 \u00e9s la possibilitat d’aplicar una reducci\u00f3 fiscal del 40% sobre les quantitats retirades. Aix\u00f2 implica que, si es rescaten, per exemple, 50.000 euros, nom\u00e9s 30.000 s’afegiran a la base imposable. No obstant aix\u00f2, s’ha de tenir en compte que, en tractar-se d’un import elevat, podria fer que el contribuent ascendeixi de tram i enfronti un tipus impositiu \u00e9s elevat.<\/p>\n
Consideracions fiscals i alternatives d’inversi\u00f3<\/strong><\/h3>\nDes d’una perspectiva fiscal, rescatar el pla de pensions abans de la jubilaci\u00f3 pot implicar pagar m\u00e9s impostos, ja que l’IRPF aplicat al salari tendeix a ser m\u00e9s elevat que el corresponent a una pensi\u00f3. Per aix\u00f2, \u00e9s fonamental avaluar no nom\u00e9s la fiscalitat, sin\u00f3 tamb\u00e9 el cost d’oportunitat associat. Mantenir els diners en un pla de pensions implica deixar-lo en un producte amb rendibilitat variable i comissions espec\u00edfiques, mentre que podria ser m\u00e9s rendible invertir en altres instruments com ara un fons d’inversi\u00f3 o carteres indexades.<\/p>\n
En conclusi\u00f3, la possibilitat de rescatar plans de pensions amb m\u00e9s de deu anys d’antiguitat, a partir de 2025, suposa un avan\u00e7 significatiu en la flexibilitat i accessibilitat d’aquests productes. No obstant aix\u00f2, \u00e9s important que els part\u00edcips valorin acuradament les implicacions fiscals i alternatives d’inversi\u00f3 abans de prendre una decisi\u00f3, per a maximitzar el rendiment dels seus estalvis i optimitzar la seva planificaci\u00f3 financera a llarg termini.<\/p>\n
<\/p>\n
Som corredors d’assegurances i assessors fiscals. Consulteu-nos sense comprom\u00eds trucant al 972 208 258, o per correu electr\u00f2nic adre\u00e7at a info@rm-assessors.cat.<\/em><\/span><\/h3>\n","protected":false},"excerpt":{"rendered":"A partir de 2025 es podr\u00e0 rescatar un pla de pensions. Nom\u00e9s caldr\u00e0 que hagin passat m\u00e9s de deu anys des que es van fer les aportacions al pla. El capital acumulat que compleixi aquesta condici\u00f3 es podr\u00e0 rescatar sense donar cap explicaci\u00f3 a l’entitat financera. Recordem que el Reial decret 62\/2018 va\u00a0 elevar la […]<\/p>\n","protected":false},"author":18,"featured_media":13084,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[21,41,16],"tags":[2255,2936,376,2935],"class_list":["post-13087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-destacats","category-fiscal-i-comptable","tag-irpf-plans-pensions","tag-recuperar-10-anys","tag-rescat-pla-pensions","tag-rescat-pla-pnsions"],"acf":[],"yoast_head":"\n
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En arribar al termini de deu anys, els part\u00edcips disposaran de tres formes de rescat: en forma de renda, de capital o mixta. Optar pel rescat en forma de renda permet rebre pagaments peri\u00f2dics, la qual cosa, en termes fiscals, pot resultar m\u00e9s avantatj\u00f3s, ja que l’impost s’aplicar\u00e0 de manera progressiva i ajustada als trams de la base imposable. En canvi, optar per rescatar el capital de cop pot incrementar significativament la base imposable, elevant aix\u00ed el tipus marginal aplicable.<\/p>\n
Una opci\u00f3 interessant per als qui van fer aportacions abans del 31 de desembre de 2006 \u00e9s la possibilitat d’aplicar una reducci\u00f3 fiscal del 40% sobre les quantitats retirades. Aix\u00f2 implica que, si es rescaten, per exemple, 50.000 euros, nom\u00e9s 30.000 s’afegiran a la base imposable. No obstant aix\u00f2, s’ha de tenir en compte que, en tractar-se d’un import elevat, podria fer que el contribuent ascendeixi de tram i enfronti un tipus impositiu \u00e9s elevat.<\/p>\n
Consideracions fiscals i alternatives d’inversi\u00f3<\/strong><\/h3>\nDes d’una perspectiva fiscal, rescatar el pla de pensions abans de la jubilaci\u00f3 pot implicar pagar m\u00e9s impostos, ja que l’IRPF aplicat al salari tendeix a ser m\u00e9s elevat que el corresponent a una pensi\u00f3. Per aix\u00f2, \u00e9s fonamental avaluar no nom\u00e9s la fiscalitat, sin\u00f3 tamb\u00e9 el cost d’oportunitat associat. Mantenir els diners en un pla de pensions implica deixar-lo en un producte amb rendibilitat variable i comissions espec\u00edfiques, mentre que podria ser m\u00e9s rendible invertir en altres instruments com ara un fons d’inversi\u00f3 o carteres indexades.<\/p>\n
En conclusi\u00f3, la possibilitat de rescatar plans de pensions amb m\u00e9s de deu anys d’antiguitat, a partir de 2025, suposa un avan\u00e7 significatiu en la flexibilitat i accessibilitat d’aquests productes. No obstant aix\u00f2, \u00e9s important que els part\u00edcips valorin acuradament les implicacions fiscals i alternatives d’inversi\u00f3 abans de prendre una decisi\u00f3, per a maximitzar el rendiment dels seus estalvis i optimitzar la seva planificaci\u00f3 financera a llarg termini.<\/p>\n
<\/p>\n
Som corredors d’assegurances i assessors fiscals. Consulteu-nos sense comprom\u00eds trucant al 972 208 258, o per correu electr\u00f2nic adre\u00e7at a info@rm-assessors.cat.<\/em><\/span><\/h3>\n","protected":false},"excerpt":{"rendered":"A partir de 2025 es podr\u00e0 rescatar un pla de pensions. Nom\u00e9s caldr\u00e0 que hagin passat m\u00e9s de deu anys des que es van fer les aportacions al pla. El capital acumulat que compleixi aquesta condici\u00f3 es podr\u00e0 rescatar sense donar cap explicaci\u00f3 a l’entitat financera. Recordem que el Reial decret 62\/2018 va\u00a0 elevar la […]<\/p>\n","protected":false},"author":18,"featured_media":13084,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[21,41,16],"tags":[2255,2936,376,2935],"class_list":["post-13087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-destacats","category-fiscal-i-comptable","tag-irpf-plans-pensions","tag-recuperar-10-anys","tag-rescat-pla-pensions","tag-rescat-pla-pnsions"],"acf":[],"yoast_head":"\n
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<\/p>\nA partir de 2025 es podr\u00e0 rescatar un pla de pensions. Nom\u00e9s caldr\u00e0 que hagin passat m\u00e9s de deu anys des que es van fer les aportacions al pla. El capital acumulat que compleixi aquesta condici\u00f3 es podr\u00e0 rescatar sense donar cap explicaci\u00f3 a l’entitat financera. Recordem que el Reial decret 62\/2018 va\u00a0 elevar la […]<\/p>\n","protected":false},"author":18,"featured_media":13084,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[21,41,16],"tags":[2255,2936,376,2935],"class_list":["post-13087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-destacats","category-fiscal-i-comptable","tag-irpf-plans-pensions","tag-recuperar-10-anys","tag-rescat-pla-pensions","tag-rescat-pla-pnsions"],"acf":[],"yoast_head":"\n