{"id":13319,"date":"2025-01-28T19:00:14","date_gmt":"2025-01-28T18:00:14","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=13319"},"modified":"2025-01-28T19:12:44","modified_gmt":"2025-01-28T18:12:44","slug":"des-del-passat-1-de-gener-de-2025-ja-es-poden-rescatar-els-plans-de-pensions-anteriors-a-2015-i-sense-cap-justificacio","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/es\/des-del-passat-1-de-gener-de-2025-ja-es-poden-rescatar-els-plans-de-pensions-anteriors-a-2015-i-sense-cap-justificacio\/","title":{"rendered":"Des del passat 1 de gener de 2025 ja es poden rescatar els plans de pensions anteriors a 2015 i sense cap justificaci\u00f3"},"content":{"rendered":"
Amb la reforma dels plans de pensions de 2014 pel Reial decret 62\/2018,<\/a><\/span><\/em> des de gener de 2025 es pot rescatar un pla de pensions sense haver d’esperar a un sup\u00f2sit especial com la jubilaci\u00f3, invalidesa o atur de llarga durada. 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.<\/h5>\n
\n

Des del passat 1 de gener de 2025, s’habilita la possibilitat de rescatar els plans de pensions amb m\u00e9s de deu anys d’antiguitat.<\/p>\n

1. Principals canvis en la normativa<\/strong><\/h3>\n
    \n
  • Rescat sense justificacions excepcionals:<\/strong> des del 2025, els drets consolidats corresponents a aportacions fetes fins a 2015 es podran rescatar, sempre que hagin transcorregut almenys deu anys des de la inversi\u00f3.<\/li>\n<\/ul>\n
      \n
    • Reducci\u00f3 de comissions:<\/strong> la normativa tamb\u00e9 ha disminu\u00eft les comissions de gesti\u00f3, amb una mitjana de l’1,25% i fins al 0,85% en fons de renda fixa, per a fer els plans m\u00e9s accessibles i rendibles.<\/li>\n<\/ul>\n

      2. Opcions de rescat<\/strong><\/h3>\n

      Els part\u00edcips podran disposar dels drets consolidats dels seus plans mitjan\u00e7ant tres modalitats principals:<\/p>\n

        \n
      1. En forma de renda:<\/strong> permet rebre pagaments peri\u00f2dics, reduint l’impacte fiscal en distribuir els ingressos en diversos exercicis.<\/li>\n<\/ol>\n
          \n
        1. En forma de capital:<\/strong> implica el cobrament \u00fanic de tot l’import, la qual cosa pot augmentar considerablement la base imposable i el tipus marginal aplicable de l’IRPF.<\/li>\n<\/ol>\n
            \n
          1. En forma mixta:<\/strong> combinaci\u00f3 de renda i capital, ajustant-se a les necessitats del part\u00edcip.<\/li>\n<\/ol>\n

            3. Fiscalitat del rescat<\/strong><\/h3>\n
              \n
            • Tributaci\u00f3 com a rendiment del treball:<\/strong> el capital rescatat s’integra en la base general de l’IRPF, sumant-se a altres ingressos i afectant el tipus marginal aplicable.<\/li>\n<\/ul>\n
                \n
              • Reducci\u00f3 del 40% per a aportacions anteriors a 2007:<\/strong> si rescata aportacions fetes abans de l’1 de gener de 2007 en forma de capital, es pot beneficiar d’una reducci\u00f3 fiscal del 40%, sempre que el rescat s’efectu\u00ef en l’exercici en el qual compleixi el termini dels deu anys o en els dos exercicis seg\u00fcents.<\/li>\n<\/ul>\n
                  \n
                • Impacte de segon pagador:<\/strong> el rescat compta com un segon pagador, fet que podria generar l’obligaci\u00f3 de presentar la declaraci\u00f3 de la renda si els ingressos superen els l\u00edmits establerts.<\/li>\n<\/ul>\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.\u00a0<\/em><\/span><\/h3>\n","protected":false},"excerpt":{"rendered":"

                  Amb la reforma dels plans de pensions de 2014 pel Reial decret 62\/2018, des de gener de 2025 es pot rescatar un pla de pensions sense haver d’esperar a un sup\u00f2sit especial com la jubilaci\u00f3, invalidesa o atur de llarga durada. Nom\u00e9s caldr\u00e0 que hagin passat m\u00e9s de deu anys des que es van fer […]<\/p>\n","protected":false},"author":18,"featured_media":13316,"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":[18,21,41],"tags":[2255,2992,2991],"class_list":["post-13319","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances","category-butlleti-mensual","category-destacats","tag-irpf-plans-pensions","tag-recuperar-plans-pensions","tag-rescat-plans-pensions"],"acf":[],"yoast_head":"\nDes del passat 1 de gener de 2025 ja es poden rescatar els plans de pensions anteriors a 2015 i sense cap justificaci\u00f3 | RM Assessors<\/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.rm-assessors.cat\/es\/des-del-passat-1-de-gener-de-2025-ja-es-poden-rescatar-els-plans-de-pensions-anteriors-a-2015-i-sense-cap-justificacio\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Des del passat 1 de gener de 2025 ja es poden rescatar els plans de pensions anteriors a 2015 i sense cap justificaci\u00f3 | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"Amb la reforma dels plans de pensions de 2014 pel Reial decret 62\/2018, des de gener de 2025 es pot rescatar un pla de pensions sense haver d’esperar a un sup\u00f2sit especial com la jubilaci\u00f3, invalidesa o atur de llarga durada. 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