{"id":612,"date":"2021-10-20T08:10:31","date_gmt":"2021-10-20T06:10:31","guid":{"rendered":"http:\/\/pc2.fpecaixa.info\/el-fons\/coneix-el-fons\/"},"modified":"2023-01-16T15:18:04","modified_gmt":"2023-01-16T13:18:04","slug":"coneix-el-fons","status":"publish","type":"page","link":"https:\/\/pc2.fpecaixa.info\/ca\/el-fons\/coneix-el-fons\/","title":{"rendered":"Coneix el fons"},"content":{"rendered":"\n
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Legalment tot Pla de Pensions ha d\u2019estar adscrit a un Fons de Pensions que integri les seves aportacions. Pot donar-se la circumst\u00e0ncia que un determinat Fons integri les aportacions de diversos Plans de Pensions. <\/p>\n\n\n\n

En el nostre cas PENSIONS CAIXA 2, F.P. \u00fanicament integra les aportacions que es realitzen en el Pla Col\u00b7lectiu Associat CaixaBank.<\/p>\n\n\n\n

El govern tant del Fons com del Pla es realitza a trav\u00e9s de la Comissi\u00f3 de Control conforme a les funcions que se li atribueixen en les Especificacions del Pla Col\u00b7lectiu Associat de CaixaBank, S.A. i les Normes de Funcionament del Pensions Caixa 2, Fons de Pensions.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Pol\u00edtiques d\u2019inversi\u00f3<\/h2>\n\n\n\n

Les pol\u00edtiques d\u2019inversi\u00f3 del Fons es dissenyen conjuntament entre la Gestora, la Comissi\u00f3 de Control i una Consultora que assessora i fa costat a la Comissi\u00f3 de Control en tota la gesti\u00f3 que realitza.<\/p>\n\n\n\n

La Pol\u00edtica d\u2019Inversi\u00f3 ve reflectida en la Declaraci\u00f3 de Principis de Pol\u00edtica d\u2019Inversi\u00f3 (DPPI).<\/p>\n\n\n\n

L\u2019objectiu d\u2019Inversi\u00f3 al qual aspira el Fons de Pensions es correspon amb l\u2019obtenci\u00f3 d\u2019una rendibilitat anual (mesura de forma anualitzada en per\u00edodes de 5 anys) en l\u00ednia amb l\u2019\u00edndex Euribor 3 mesos + 3,5% amb un nivell de risc associat a l\u2019entorn del 12% (mesurat a trav\u00e9s de la volatilitat anual).<\/p>\n\n\n\n

Aquest objectiu d\u2019Inversi\u00f3 ha d\u2019entendre\u2019s exclusivament com un referent d\u2019actuaci\u00f3, sense que, en cap cas, pugui ser interpretat com un comprom\u00eds col\u00b7lectiu o individual de part\u00edcips i beneficiaris, els drets i l\u2019evoluci\u00f3 dels quals futura, en \u00faltima inst\u00e0ncia, dependran tamb\u00e9 de les seves caracter\u00edstiques particulars.<\/p>\n\n\n\n

L\u2019objectiu d\u2019inversi\u00f3 descrit es trasllada a una pol\u00edtica d\u2019inversi\u00f3 a llarg termini que es defineix tamb\u00e9 en aquest document i que comporta la definici\u00f3 d\u2019una estrat\u00e8gia d\u2019inversi\u00f3 i l\u2019establiment d\u2019uns \u00edndexs de refer\u00e8ncia respecte dels quals mesurar l\u2019actuaci\u00f3 de l\u2019entitat gestora. <\/p>\n\n\n\n

Una extra rendibilitat (dels \u00faltims 5 anys anualitzats) del 0,5%, neta ja de despeses, sobre l\u2019\u00edndex de refer\u00e8ncia, com a m\u00e8trica del valor afegit en la gesti\u00f3 de les inversions.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Creences d\u2019inversi\u00f3<\/h2>\n\n\n\n

L\u2019estrat\u00e8gia d\u2019inversi\u00f3 a llarg termini i el mandat de gesti\u00f3 s\u00f3n les principals eines de la Comissi\u00f3 de Control per a portar a la pr\u00e0ctica els objectius d\u2019inversi\u00f3 definits.<\/p>\n\n\n\n

La Comissi\u00f3 de Control estableix a l\u2019abril de 2021 les seg\u00fcents creences d\u2019inversi\u00f3 que seran les que recolzin la seva visi\u00f3 i les seves decisions a mitj\u00e0 i llarg termini i que s\u2019haurien de tenir en consideraci\u00f3 en la gesti\u00f3 de les inversions.<\/p>\n\n\n\n

  1. Un bon nivell de Governance en el Fons de Pensions permet aspirar a millors resultats
    <\/li>
  2. L\u2019estrat\u00e8gia d\u2019inversi\u00f3 \u00e9s el principal factor a l\u2019hora d\u2019explicar la rendibilitat i risc del Fons de Pensions
    <\/li>
  3. Les decisions estrat\u00e8giques han d\u2019estar alineades amb l\u2019horitz\u00f3 temporal del Fons
    <\/li>
  4. La sostenibilitat \u00e9s part essencial en tot el nostre proc\u00e9s d\u2019inversi\u00f3
    <\/li>
  5. L\u2019\u00fas de la gesti\u00f3 activa permet afegir valor al Fons de Pensions
    <\/li>
  6. La gesti\u00f3 dels costos \u00e9s important en els resultats del Fons de Pensions
    <\/li>
  7. Una correcta i adequat monitoratge dels resultats del Fons pot afegir valor<\/li><\/ol>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

    Legalment tot Pla de Pensions ha d\u2019estar adscrit a un Fons de Pensions que integri les seves aportacions. Pot donar-se la circumst\u00e0ncia que un determinat Fons integri les aportacions de diversos Plans de Pensions. En el nostre cas PENSIONS CAIXA 2, F.P. \u00fanicament integra les aportacions que es realitzen en el Pla Col\u00b7lectiu Associat CaixaBank. 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