{"id":620,"date":"2021-10-20T08:08:39","date_gmt":"2021-10-20T06:08:39","guid":{"rendered":"http:\/\/pc2.fpecaixa.info\/faqs\/"},"modified":"2022-04-21T16:45:16","modified_gmt":"2022-04-21T14:45:16","slug":"faqs","status":"publish","type":"page","link":"https:\/\/pc2.fpecaixa.info\/ca\/faqs\/","title":{"rendered":"Faqs"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Pla i fons <\/h2>\n\n\n<h3 class=\"accordion-header\" id=\"heading910\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse910\" aria-expanded=\"true\" aria-controls=\"collapse910\">Quin tipus de Pla \u00e9s el Pla Col\u00b7lectiu Associat de CaixaBank?<\/button><\/h3><div id=\"collapse910\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading910\" data-bs-parent=\"#collapse910\"><div class=\"accordion-body\">\u00c9s un pla de sistema associat de modalitat d&#8217;aportaci\u00f3 definida on els part\u00edcips defineixen l&#8217;aportaci\u00f3 a realitzar dins dels l\u00edmits legals, aix\u00ed com la seva periodicitat (de car\u00e0cter mensual, trimestral, semestral, anual o discrecional).<\/div><\/div><h3 class=\"accordion-header\" id=\"heading825\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse825\" aria-expanded=\"true\" aria-controls=\"collapse825\">Qui supervisa els plans de pensions i vela pel seu bon funcionament?<\/button><\/h3><div id=\"collapse825\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading825\" data-bs-parent=\"#collapse825\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400;\">Els plans de pensions estan subjectes a una exhaustiva regulaci\u00f3 i supervisi\u00f3 en la qual participen els seg\u00fcents organismes:<\/span><\/p>\n<p><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">La Comissi\u00f3 de Control<\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Exerceix la labor de supervisi\u00f3 del pla, el seu funcionament i la seva correcta execuci\u00f3.<\/span><\/p>\n<p><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">L&#8217;Entitat Gestora<\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">S&#8217;encarrega de prendre les decisions d&#8217;inversi\u00f3 respecte al patrimoni. Aquestes decisions hauran d&#8217;estar sempre en l\u00ednia amb la pol\u00edtica d&#8217;inversi\u00f3 del pla.<\/span><\/p>\n<p><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">L&#8217;Entitat Diposit\u00e0ria<\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00c9s la responsable de custodiar els t\u00edtols i actius financers que es troben en la cartera del fons. Entitat Gestora i Dipositaria han de ser per llei entitats independents, perqu\u00e8 s&#8217;encarreguen entre altres coses de supervisar-se m\u00fatuament.<\/span><\/p>\n<p>&nbsp;<\/p>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading815\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse815\" aria-expanded=\"true\" aria-controls=\"collapse815\">Quina \u00e9s la Gestora, la Dipositaria i l\u2019Asseguradora que tenim?<\/button><\/h3><div id=\"collapse815\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading815\" data-bs-parent=\"#collapse815\"><div class=\"accordion-body\"><ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Entitat Gestora: VidaCaixa, S.A.O. d&#8217;Assegurances i Reassegurances <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Entitat Diposit\u00e0ria: Cecabank, S.A. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Entitat Asseguradora de les p\u00f2lisses d&#8217;assegurances vinculades al Pla: VidaCaixa, S.A.O. d&#8217;Assegurances i Reassegurances<\/span><\/li>\n<\/ul>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading814\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse814\" aria-expanded=\"true\" aria-controls=\"collapse814\">En quin Fons s\u2019integren les aportacions que fem al Pla Col\u00b7lectiu Associat CaixaBank?<\/button><\/h3><div id=\"collapse814\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading814\" data-bs-parent=\"#collapse814\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400;\">Legalment tot Pla de Pensions ha d&#8217;estar adscrit a un Fons de Pensions que integri les seves aportacions. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pot donar-se la circumst\u00e0ncia que un determinat Fons integri les aportacions de diversos Plans de Pensions. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">En el nostre cas PENSIONS CAIXA 2 , F.P. \u00fanicament integra les aportacions que es realitzen en el Pla Col\u00b7lectiu Associat CaixaBank.<\/span><\/p>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading813\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse813\" aria-expanded=\"true\" aria-controls=\"collapse813\">Qui governa el Fons i el Pla?<\/button><\/h3><div id=\"collapse813\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading813\" data-bs-parent=\"#collapse813\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400;\">At\u00e8s que *PENSIONS *CAIXA 2, F.P. nom\u00e9s integra al Pla Col\u00b7lectiu Associat CaixaBank , el govern, tant del Pla com del Fons, es realitza a trav\u00e9s d&#8217;una \u00fanica Comissi\u00f3 de Control. Per tant la Comissi\u00f3 de Control governa 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La Comissi\u00f3 de Control \u00e9s l&#8217;\u00f2rgan de representaci\u00f3 enfront de part\u00edcips i beneficiaris, aix\u00ed com enfront de tercers<\/span><\/p>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading812\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse812\" aria-expanded=\"true\" aria-controls=\"collapse812\">Qui compon la Comissi\u00f3 de Control?<\/button><\/h3><div id=\"collapse812\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading812\" data-bs-parent=\"#collapse812\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400;\">La Comissi\u00f3 de Control est\u00e0 composta per 9 membres, 8 en representaci\u00f3 dels part\u00edcips i 1 en representaci\u00f3 dels beneficiaris en el cas que els beneficiaris superin al 20% del nombre de part\u00edcips i beneficiaris del pla. Actualment no s&#8217;aconsegueix aquest percentatge, per la qual cosa els 9 membres de la Comissi\u00f3 de Control actuen en representaci\u00f3 dels part\u00edcips.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La designaci\u00f3 i elecci\u00f3 de membres es realitza mitjan\u00e7ant el corresponent proc\u00e9s electoral contemplat en les Especificacions. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Una vegada triats, la representaci\u00f3 t\u00e9 una durada de quatre anys i poden ser reelegits.<\/span><\/p>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading811\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse811\" aria-expanded=\"true\" aria-controls=\"collapse811\">Com es prenen les decisions en la Comissi\u00f3 de Control?<\/button><\/h3><div id=\"collapse811\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading811\" data-bs-parent=\"#collapse811\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400;\">L&#8217;assist\u00e8ncia a les reunions de la Comissi\u00f3 de Control podr\u00e0 ser personal (presencial o telem\u00e0tica) o en representaci\u00f3 conferida a un altre membre de la Comissi\u00f3. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cada membre de la Comissi\u00f3 de Control tindr\u00e0 un vot. El dret a vot pot exercitar-se a trav\u00e9s d&#8217;un altre membre mitjan\u00e7ant la representaci\u00f3 delegada.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Els acords s&#8217;adoptaran, com a m\u00ednim, per majoria simple, excepte per a alguns aspectes recollits en les especificacions en els quals s&#8217;exigir\u00e0 la majoria qualificada del 80% dels membres de la Comissi\u00f3 de Control (8 membres).<\/span><\/p>\n<p><span style=\"font-weight: 400;\"> De cada sessi\u00f3 s&#8217;aixecar\u00e0 una acta que ha de mantenir-se a la disposici\u00f3 de la Direcci\u00f3 general d&#8217;Assegurances.<\/span><\/p>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading810\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse810\" aria-expanded=\"true\" aria-controls=\"collapse810\">Com s&#8217;estableixen les pol\u00edtiques d&#8217;inversi\u00f3?<\/button><\/h3><div id=\"collapse810\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading810\" data-bs-parent=\"#collapse810\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400;\">Les pol\u00edtiques d&#8217;inversi\u00f3 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La Pol\u00edtica d&#8217;Inversi\u00f3 ve reflectida en la Declaraci\u00f3 de Principis de Pol\u00edtica d&#8217;Inversi\u00f3 (DPPI).<\/span><\/p>\n<p><div class='w3eden'><!-- WPDM Link Template: Default Template -->\n\n<div class=\"w3eden\"><!-- WPDM Link Template: Default Template -->\n\t<div class=\"link-template-default-fpe\">\t   \n\t\t\t<div class=\"media\">\n                <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icona\" src=\"https:\/\/pc2.fpecaixa.info\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\t\t\t\t\n                <div class=\"wpdm_title\">\n                    <a class=\"\" href=\"https:\/\/pc2.fpecaixa.info\/ca\/download\/dppi\/?wpdmdl=313&refresh=69eb3fb5418cb1777024949\" data-type=\"URL\" data-id=\"https:\/\/pc2.fpecaixa.info\/ca\/download\/dppi\/?wpdmdl=313&refresh=69eb3fb5418cb1777024949\" rel=\"noreferrer noopener\">DPPI<\/a>\n                <\/div>\t\t\t\t\n\t\t\t<\/div>\t   \n\t<\/div>\n<\/div><\/div><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Part\u00edcips i beneficiaris <\/h2>\n\n\n<h3 class=\"accordion-header\" id=\"heading809\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse809\" aria-expanded=\"true\" aria-controls=\"collapse809\">Qui pot ser part\u00edcip?<\/button><\/h3><div id=\"collapse809\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading809\" data-bs-parent=\"#collapse809\"><div class=\"accordion-body\"><ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Personal amb relaci\u00f3 laboral en CaixaBank, S.A.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Persones en situaci\u00f3 de prejubilaci\u00f3 de CaixaBank S.A. o de qualsevol de les empreses integrades en virtut d&#8217;operacions societ\u00e0ries.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Persones que sense tenir relaci\u00f3 laboral amb CaixaBank, S.A ostentin drets d&#8217;aportaci\u00f3 per part de CaixaBank en el Pla de Pensions d&#8217;Ocupaci\u00f3 de CaixaBank.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Persones que hagin extingit la seva relaci\u00f3 laboral amb CaixaBank, S. a. en virtut de qualsevol de les mesures extintives incloses en un proc\u00e9s d&#8217;acomiadament col\u00b7lectiu amb acord laboral, sempre que mantinguin la seva condici\u00f3 de part\u00edcips, part\u00edcips en suspens o beneficiaris del Pla de Pensions d&#8217;Ocupaci\u00f3 de CaixaBank.<\/span><\/li>\n<\/ul>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading808\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse808\" aria-expanded=\"true\" aria-controls=\"collapse808\">Com s&#8217;adquireix la condici\u00f3 de beneficiari?<\/button><\/h3><div id=\"collapse808\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading808\" data-bs-parent=\"#collapse808\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400\">La condici\u00f3 de beneficiari s&#8217;adquireix mitjan\u00e7ant el seu reconeixement per l&#8217;entitat gestora, segons el que es disposa en les Especificacions i en la normativa d&#8217;aplicaci\u00f3 quan, esdevinguda la conting\u00e8ncia, el designat com a tal o el seu representant legal sol\u00b7licita la prestaci\u00f3 i acredita degudament la seva condici\u00f3 i el dret a prestaci\u00f3.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Els beneficiaris seran sempre persones f\u00edsiques.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Es considerar\u00e0 beneficiari:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400\">En cas de jubilaci\u00f3 o b\u00e9 incapacitat, el propi part\u00edcip.<\/span><\/li>\n<li><span style=\"font-weight: 400\">En cas de mort del part\u00edcip o del beneficiari de la prestaci\u00f3, aquelles persones que acreditin dret a percebre una prestaci\u00f3 segons les Especificacions del Pla.<\/span><\/li>\n<\/ol>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading807\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse807\" aria-expanded=\"true\" aria-controls=\"collapse807\">Com puc realitzar o modificar la Designaci\u00f3 de Beneficiaris?<\/button><\/h3><div id=\"collapse807\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading807\" data-bs-parent=\"#collapse807\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400\">A trav\u00e9s de CaixaBank Now. Dins del teu Pla t&#8217;indiquem la ruta:<\/span><\/p>\n<p><span style=\"font-weight: 400\">Veure opcions \/ Gestionar beneficiaris \/ Nova designaci\u00f3 de beneficiaris.<\/span><\/p>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading803\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse803\" aria-expanded=\"true\" aria-controls=\"collapse803\">Que gestions puc fer a trav\u00e9s de CaixaBank Now?.<\/button><\/h3><div id=\"collapse803\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading803\" data-bs-parent=\"#collapse803\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400\">Podr\u00e0s realitzar aportacions i traspassar els teus drets consolidats d&#8217;altres plans de pensions a aquest, tant interns com d&#8217;altres entitats.<\/span><\/p>\n<p><span style=\"font-weight: 400\">No \u00e9s possible contractar el Pla Col\u00b7lectiu Associat CaixaBank en CaixaBank Now. Exclusivament \u00e9s contractable des d&#8217;oficina i a trav\u00e9s del Terminal Financer.<\/span><\/p>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading792\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse792\" aria-expanded=\"true\" aria-controls=\"collapse792\">Com puc contractar el Pla Col\u00b7lectiu Associat CaixaBank?<\/button><\/h3><div id=\"collapse792\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading792\" data-bs-parent=\"#collapse792\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400\">Nom\u00e9s \u00e9s contratable a trav\u00e9s del Terminal Financer i de manera presencial en les oficines de CaixaBank.<\/span><\/p>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading791\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse791\" aria-expanded=\"true\" aria-controls=\"collapse791\">Puc contractar el Pla Col\u00b7lectiu Associat CaixaBank per al meu c\u00f2njuge o un familiar?<\/button><\/h3><div id=\"collapse791\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading791\" data-bs-parent=\"#collapse791\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400\">No. Aquest producte \u00e9s exclusiu per a empleats. <\/span><\/p>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading790\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse790\" aria-expanded=\"true\" aria-controls=\"collapse790\">Puc fer mobilitzacions d&#8217;altres plans de pensions individuals al Pla Col\u00b7lectiu Associat CaixaBank?<\/button><\/h3><div id=\"collapse790\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading790\" data-bs-parent=\"#collapse790\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400\">S\u00ed. Tant des de CaixaBank Now com des d&#8217;oficina a trav\u00e9s del Terminal Financer.<\/span><\/p>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading789\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse789\" aria-expanded=\"true\" aria-controls=\"collapse789\">Tinc alguna limitaci\u00f3 per a mobilitzar els meus drets consolidats a un altre pla de pensions individual?<\/button><\/h3><div id=\"collapse789\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading789\" data-bs-parent=\"#collapse789\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400\">No. No hi ha cap limitaci\u00f3. Es pot realitzar des d&#8217;oficina a trav\u00e9s del Terminal Financer o a trav\u00e9s de CaixaBank Now.<\/span><\/p>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading788\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse788\" aria-expanded=\"true\" aria-controls=\"collapse788\">M&#8217;interessa mobilitzar d&#8217;altres plans al Pla Col\u00b7lectiu Associat CaixaBank?<\/button><\/h3><div id=\"collapse788\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading788\" data-bs-parent=\"#collapse788\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400\">Per descomptat, \u00e9s una possibilitat molt interessant per les seves redu\u00efdes comissions de gesti\u00f3. En la decisi\u00f3 ha de considerar-se que la pol\u00edtica d&#8217;inversi\u00f3 del Fons sigui coherent amb el teu perfil de risc. <\/span><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">L\u00edmit d\u2019aportacions, fiscalitat i rescat <\/h2>\n\n\n<h3 class=\"accordion-header\" id=\"heading781\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse781\" aria-expanded=\"true\" aria-controls=\"collapse781\">Quin \u00e9s el l\u00edmit d&#8217;aportacions a plans de pensions?<\/button><\/h3><div id=\"collapse781\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading781\" data-bs-parent=\"#collapse781\"><div class=\"accordion-body\"><p>Les aportacions a plans de pensions individuals i associats han passat a estar limitades a un m\u00e0xim de 1.500 euros anuals. Aquesta quantitat aplica de forma conjunta, per la qual cosa si es tenen diversos plans, el m\u00e0xim anual que es pot aportar com a suma de les aportacions a tots ells s\u00f3n 1.500 euros.<\/p>\n<p><span style=\"font-weight: 400\">En el cas de plans de pensions d&#8217;ocupaci\u00f3, hi ha un l\u00edmit conjunt m\u00e0xim de 10.000 euros anuals, dels quals les aportacions del part\u00edcip no poden excedir els 1.500 euros a qu\u00e8 est\u00e0 limitat (incloent-hi plans de pensions individuals). L&#8217;ocupador podria aportar el total de 10.000 euros, quedant en aquest cas el part\u00edcip sense poder fer cap aportaci\u00f3 individual.<\/span><\/p>\n<p><span style=\"text-decoration: underline\"><span style=\"font-weight: 400\">Exemples d&#8217;aportacions:<\/span><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\"><span style=\"font-weight: 400\">Escenari 1: Persona que treballa per compte d&#8217;altri. L&#8217;empresa aporta a favor de l&#8217;empleat 3.500\u20ac anuals al pla de pensions d&#8217;ocupaci\u00f3, pla de previsi\u00f3 social empresarial o mutualitat de previsi\u00f3 social. L&#8217;empleat pot aportar 1.500\u20ac addicionals (m\u00e0xim d&#8217;aportaci\u00f3 individual) a qualsevol instrument de previsi\u00f3 social, inclosos els plans de pensions associats o individuals.<\/span><\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\"><span style=\"font-weight: 400\">Escenari 2: Persona que treballa per compte d&#8217;altri. L&#8217;empresa aporta a favor de l&#8217;empleat 8.500\u20ac anuals al pla de pensions de feina, pla de previsi\u00f3 social empresarial o mutualitat de previsi\u00f3 social. L&#8217;empleat pot aportar 1.500\u20ac addicionals (fins a completar 10.000\u20ac) a qualsevol instrument de previsi\u00f3 social, inclosos els plans de pensions associats o individuals<\/span><\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Escenari 3: Persona que treballa per compte d&#8217;altri. L&#8217;empresa aporta a favor de l&#8217;empleat 10.000\u20ac anuals al pla de pensions d&#8217;ocupaci\u00f3, pla de previsi\u00f3 social empresarial o mutualitat de previsi\u00f3 social. L&#8217;empleat no pot aportar cap import addicional a instruments de previsi\u00f3 social.<\/span><\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline\"><span style=\"font-weight: 400\">Residents fiscals a Pa\u00eds Basc:<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400\">Poden aportar fins a un m\u00e0xim de 5.000\u20ac a l&#8217;any a EPSV individuals o plans de pensions individuals. En el cas que l&#8217;ocupador aporti a un pla d&#8217;EPSV o de pensions d&#8217;ocupaci\u00f3, l&#8217;aportaci\u00f3 m\u00e0xima conjunta \u00e9s de 12 mil euros anuals incloent plans d&#8217;ocupaci\u00f3 i individuals.<\/span><\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline\"><span style=\"font-weight: 400\">Residents fiscals a Navarra:<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400\">Els menors de 50 anys podran aportar un m\u00e0xim de 2.000 euros anuals, mentre que els majors de 50 anys podran aportar fins a 5.000 euros anuals.<\/span><\/li>\n<\/ul>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading773\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse773\" aria-expanded=\"true\" aria-controls=\"collapse773\">Quina \u00e9s la fiscalitat de les aportacions al Pla Col\u00b7lectiu Associat?<\/button><\/h3><div id=\"collapse773\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading773\" data-bs-parent=\"#collapse773\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400\">Les aportacions a plans de pensions s\u00f3n dedu\u00efbles en la declaraci\u00f3 de la renda, minorant la base imposable fins al l\u00edmit legal establert. Aquest l\u00edmit de deducci\u00f3 ser\u00e0 el menor de les seg\u00fcents quantitats:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">1.500 euros (sempre que les contribucions del promotor al Pla de Pensions d\u2019Ocupaci\u00f3 no superin els 8.500 euros)..<br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">El 30% dels rendiments nets del treball.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">En el cas d&#8217;haver realitzat aportacions que no s\u00f3n dedu\u00efbles (per haver excedit el l\u00edmit) en IRPF, l&#8217;exc\u00e9s pot traslladar-se als cinc exercicis fiscals seg\u00fcents.<\/span><\/p>\n<p><span style=\"text-decoration: underline\"><span style=\"font-weight: 400\">Residents fiscals a Pa\u00eds Basc<\/span><span style=\"font-weight: 400\">:<\/span><\/span><\/p>\n<p><span style=\"font-weight: 400\">Podran deduir-se fins a un m\u00e0xim de 12.000 euros anuals (5.000 euros anuals en el cas de sistemes individuals, fins a 12.000 euros per contribucions empresarials).<\/span><\/p>\n<p><span style=\"text-decoration: underline\"><span style=\"font-weight: 400\">Residents fiscals a Navarra<\/span><span style=\"font-weight: 400\">:<\/span> <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\"><span style=\"font-weight: 400\">Menors de 50 anys: aportaci\u00f3 dedu\u00efble m\u00e0xima anual de 2.000\u20ac o el 30% dels rendiments del treball i activitats econ\u00f2miques (la menor d&#8217;aquestes quantitats).<\/span><\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Majors de 50 anys: aportaci\u00f3 dedu\u00efble m\u00e0xima anual de 5.000\u20ac o el 50% dels rendiments del treball i activitats econ\u00f2miques (la menor d&#8217;aquestes quantitats).<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading772\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse772\" aria-expanded=\"true\" aria-controls=\"collapse772\">Quan es pot disposar del Pla Col\u00b7lectiu Associat?<\/button><\/h3><div id=\"collapse772\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading772\" data-bs-parent=\"#collapse772\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400;\">Amb car\u00e0cter general, es poden rescatar els drets consolidats en cas de:<\/span><\/p>\n<ol>\n<li>Jubilaci\u00f3.<br \/>\nPer a la determinaci\u00f3 de la conting\u00e8ncia s&#8217;estar\u00e0 al que es preveu en el r\u00e8gim de la Seguretat Social que correspongui.<br \/>\nAix\u00ed mateix podr\u00e0 accedir-se a la prestaci\u00f3 corresponent a la jubilaci\u00f3 quan el part\u00edcip, qualsevol que sigui la seva edat, extingeixi la seva relaci\u00f3 laboral i passi a la situaci\u00f3 legal de desocupaci\u00f3 a conseq\u00fc\u00e8ncia d&#8217;un proc\u00e9s d&#8217;acomiadament col\u00b7lectiu amb acord laboral.<\/li>\n<li>Mort del part\u00edcip o del beneficiari.<br \/>\nPot generar dret a prestacions de vidu\u00eftat o orfandat, a favor d&#8217;altres hereus o persones designades.<\/li>\n<li>Incapacitat laboral total i permanent per a la professi\u00f3 habitual, o absoluta i permanent per a tot treball, i la gran invalidesa, determinades conforme al R\u00e8gim corresponent de la Seguretat Social.<br \/>\nEl beneficiari per la conting\u00e8ncia d&#8217;invalidesa podr\u00e0 adherir-se novament al Pla, perdent la seva condici\u00f3 de beneficiari si, a conseq\u00fc\u00e8ncia de la revisi\u00f3 de la seva situaci\u00f3 o per una altra causa, result\u00e9s rehabilitat i es reincorpor\u00e9s al servei actiu de CaixaBank, S.A.<\/li>\n<li>En cas de situaci\u00f3 excepcional de liquiditat (desocupaci\u00f3 de llarga durada o malaltia greu)<br \/>\nAquest pla no contempla aquestes situacions. No obstant aix\u00f2, el part\u00edcip sempre disposa de l&#8217;opci\u00f3 de mobilitzar els seus drets consolidats a un pla de pensions que s\u00ed que les contempli.<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Aix\u00ed mateix es contempla la Disposici\u00f3 Anticipada de drets de manera que a partir de l&#8217;1 de gener de 2025, el part\u00edcip podr\u00e0 disposar anticipadament de l&#8217;import, mitjan\u00e7ant un pagament \u00fanic o en pagaments successius, dels seus drets consolidats corresponents a aportacions realitzades amb almenys deu anys d&#8217;antiguitat, inclosos els drets consolidats existents a 31 de desembre de 2015 en els termes, condicions i l\u00edmits previstos en la legislaci\u00f3 vigent. <\/span><\/p>\n<\/div><\/div><h3 class=\"accordion-header\" id=\"heading770\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse770\" aria-expanded=\"true\" aria-controls=\"collapse770\">Quina \u00e9s la fiscalitat de la disposici\u00f3 dels drets consolidats?<\/button><\/h3><div id=\"collapse770\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading770\" data-bs-parent=\"#collapse770\"><div class=\"accordion-body\"><p><span style=\"font-weight: 400;\">Si es cobra en forma de renda, les pensions percebudes tenen la consideraci\u00f3 de rendiments del treball en IRPF, i estaran subjectes a la retenci\u00f3 corresponent si excedeixen les quanties sobre les quals no existeix obligaci\u00f3 de retenci\u00f3.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si es cobra en forma de capital, la quantitat percebuda t\u00e9 la consideraci\u00f3 de rendiment del treball en IRPF, considerant que el percebut que es derivi d&#8217;aportacions realitzades abans de l&#8217;1 de gener del 2007, gaudeix d&#8217;una exempci\u00f3 del 40%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Per a consultar m\u00e9s informaci\u00f3 referent a la fiscalitat del Pla de Pensions, pot dirigir-se a la web de l&#8217;Ag\u00e8ncia tribut\u00e0ria:<\/span><\/p>\n<p><a href=\"https:\/\/urldefense.com\/v3\/__https:\/sede.agenciatributaria.gob.es\/Sede\/ayuda\/manuales-videos-folletos\/manuales-practicos\/irpf-2020\/capitulo-13-determinacion-renta-contribuyente-gravamen\/reducciones-base-imponible-general\/reducciones-aportaciones-contribuciones-sistemas-prevision-social.html__;!!IF02HbLKfvgGAZjM2hVeUw!I4rLNt5DqSAee_nWEJhepHmUOlfS_9gPS19S4o8TNI2vrR_ge11MAfLFTkIRnBqMT9KFZgVZekI-poY%24\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/urldefense.com\/v3\/__https:\/sede.agenciatributaria.gob.es\/Sede\/ayuda\/manuales-videos-folletos\/manuales-practicos\/irpf-2020\/capitulo-13-determinacion-renta-contribuyente-gravamen\/reducciones-base-imponible-general\/reducciones-aportaciones-contribuciones-sistemas-prevision-social.html__;!!IF02HbLKfvgGAZjM2hVeUw!I4rLNt5DqSAee_nWEJhepHmUOlfS_9gPS19S4o8TNI2vrR_ge11MAfLFTkIRnBqMT9KFZgVZekI-poY$&amp;source=gmail&amp;ust=1636787056684000&amp;usg=AOvVaw1OyvP8tEHJK6UZZu8G5sSu\">Ag\u00e8ncia Tribut\u00e0ria: Reduccions per aportacions i contribucions a sistemes de previsi\u00f3 social<\/a><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Pla i fons Part\u00edcips i beneficiaris L\u00edmit d\u2019aportacions, fiscalitat i rescat<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-620","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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