{"id":31880,"date":"2026-03-10T10:03:24","date_gmt":"2026-03-10T09:03:24","guid":{"rendered":"https:\/\/pich.bnfix.com\/rescate-de-planes-de-pensiones-a-los-10-anos-que-efectos-fiscales-tiene\/"},"modified":"2026-03-10T11:41:12","modified_gmt":"2026-03-10T10:41:12","slug":"rescate-de-planes-de-pensiones-a-los-10-anos-que-efectos-fiscales-tiene","status":"publish","type":"post","link":"https:\/\/pich.bnfix.com\/ca\/rescate-de-planes-de-pensiones-a-los-10-anos-que-efectos-fiscales-tiene\/","title":{"rendered":"Rescat de plans de pensions als 10 anys: Quins efectes fiscals t\u00e9?"},"content":{"rendered":"<section  class='av_textblock_section av-mmkda2ye-b1d3e59687017e39d54b6a33fb0e9483 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"text-align: right;\"><span style=\"color: #78b64d;\">10 de marzo, 2026<\/span><\/p>\n<hr \/>\n<\/div><\/section>\n<section  class='av_textblock_section av-mmkdal8d-057e04bd5aa4bb46214e970f7d651db9 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>Rescat de plans de pensions als 10 anys: Quins efectes fiscals t\u00e9?<\/h2>\n<\/div><\/section>\n<div  class='avia-slideshow av-mmkdcad5-a1304fc79a119455137edae297734fcd avia-slideshow-featured av_slideshow avia-slide-slider  avia-builder-el-2  el_after_av_textblock  el_before_av_textblock  av-slideshow-ui av-control-default av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 28.666666666667%;'><li  class='avia-slideshow-slide av-mmkdcad5-a1304fc79a119455137edae297734fcd__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><img fetchpriority=\"high\" decoding=\"async\" loading=\"eager\" class=\"wp-image-31875 avia-img-lazy-loading-not-31875\"  src=\"https:\/\/pich.bnfix.com\/wp-content\/uploads\/2026\/03\/pexels-pixabay-210705_ahorro_planes_pensiones_hucha-1500x430.jpg\" width=\"1500\" height=\"430\" title='pexels-pixabay-210705_ahorro_planes_pensiones_hucha' alt='Rescat de planes de pensiones a los 10 a\u00f1os: efectos fiscales'  itemprop=\"thumbnailUrl\"   \/><\/div><\/li><\/ul><\/div>\n<section  class='av_textblock_section av-mmkdd7u4-4601fd40fcb75b9fdf2b75ee8150ddbb '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>En el passat, els plans de pensions nom\u00e9s podien rescatar-se en situacions molt concretes: jubilaci\u00f3, incapacitat, depend\u00e8ncia o defunci\u00f3. Per\u00f2 amb l&#8217;aprovaci\u00f3 del Reial decret 62\/2018, una novetat clau: d<strong>es de 2025, els part\u00edcips poden retirar, de manera total o parcial, el capital corresponent a aportacions que tinguin almenys deu anys d&#8217;antiguitat.\u00a0\u00a0<\/strong><\/p>\n<p>Amb el nou\u00a0sistema\u00a0no es pot disposar del pla complet immediatament, sin\u00f3 \u00fanicament d&#8217;aquelles participacions que ja hagin complert aquest per\u00edode.<\/p>\n<p><strong>L&#8217;entrada en vigor d&#8217;aquesta mesura ha\u00a0multiplicat\u00a0els\u00a0rescats<\/strong>,\u00a0entre altres motius habituals,\u00a0per\u00a0la necessitat de liquiditat,\u00a0per\u00a0un entorn econ\u00f2mic incert i\u00a0per l&#8217;inter\u00e8s creixent per productes d&#8217;estalvi m\u00e9s flexibles. A aix\u00f2 se suma el descens de noves aportacions,\u00a0motivat\u00a0en part\u00a0pels\u00a0 l\u00edmits fiscals aplicats en 2021,\u00a0que van reduir a 1.500\u00a0euros\u00a0la quantitat anual dedu\u00efble.<\/p>\n<p><strong>Efecte fiscal\u00a0<\/strong><\/p>\n<p>Aix\u00ed i tot, \u00e9s important recordar que\u00a0<strong>la decisi\u00f3 de rescatar un pla no \u00e9s nom\u00e9s financera, sin\u00f3 tamb\u00e9 fiscal.<\/strong> A Espanya, <strong>les prestacions dels plans de pensions\u00a0tributen com a rendiments del treball en l&#8217;IRPF,<\/strong> sumant-se a la resta d&#8217;ingressos de l&#8217;exercici.\u00a0Aix\u00f2 significa que rescatar grans imports en un \u00fanic any pot incrementar significativament la base imposable i, amb aix\u00f2, despla\u00e7ar al contribuent a trams superiors de l&#8217;impost, elevant el tipus efectiu. No \u00e9s un cost espec\u00edfic del producte, sin\u00f3 l&#8217;efecte natural d&#8217;afegir un ingr\u00e9s elevat en un sol exercici fiscal.<\/p>\n<p>Per aquest motiu, sempre\u00a0<strong>recomanem realitzar una an\u00e0lisi pr\u00e8via per a determinar l&#8217;estrat\u00e8gia de rescat m\u00e9s eficient\u00a0des del punt de vista fiscal<\/strong>. Una planificaci\u00f3 adequada permet optimitzar la tributaci\u00f3 i evitar sorpreses en fer la declaraci\u00f3 de la renda.<\/p>\n<p>Com sempre, estem a la seva disposici\u00f3 per a resoldre qualsevol dubte que puguin tenir sobre el tema\u00a0i assessorar-los per a prendre la millor decisi\u00f3 en funci\u00f3 de la seva situaci\u00f3.<\/p>\n<p>\ud83d\udcf7Imatge de Pixabay per a Pexels<\/p>\n<p style=\"text-align: right;\"><span data-ccp-props=\"{\">\u00a0<\/span><\/p>\n<p style=\"text-align: right;\"><b><span data-contrast=\"auto\">Alba Pich \u00b7\u00a0<\/span><\/b><a href=\"mailto:alba.pich@pich.bnfix.com\"><b><span data-contrast=\"none\">alba.pich@pich.bnfix.com<\/span><\/b><\/a><span data-ccp-props=\"{\">\u00a0<\/span><\/p>\n<p style=\"text-align: right;\"><span data-contrast=\"auto\">\u00c0rea Fiscal BNFIX PICH Tax Legal Audit<\/span><span data-ccp-props=\"{\">\u00a0<\/span><\/p>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":31875,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[156],"tags":[175,204,1303],"class_list":["post-31880","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-circulares-ca","tag-impuestos-ca","tag-irpf-ca","tag-planes-de-pensiones-ca"],"_links":{"self":[{"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/posts\/31880","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/comments?post=31880"}],"version-history":[{"count":6,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/posts\/31880\/revisions"}],"predecessor-version":[{"id":31882,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/posts\/31880\/revisions\/31882"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/media\/31875"}],"wp:attachment":[{"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/media?parent=31880"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/categories?post=31880"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pich.bnfix.com\/ca\/wp-json\/wp\/v2\/tags?post=31880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}