{"id":6832,"date":"2025-10-07T08:29:27","date_gmt":"2025-10-07T06:29:27","guid":{"rendered":"https:\/\/www.ccoocaixabank.net\/ca\/?p=6832"},"modified":"2025-10-08T08:21:54","modified_gmt":"2025-10-08T06:21:54","slug":"p8317","status":"publish","type":"post","link":"https:\/\/www.ccoocaixabank.net\/ca\/ccoo\/p8317\/","title":{"rendered":"Declaraci\u00f3 de Prestacions de Pensi\u00f3 del teu Pla de Pensions d&#8217;empleat\/ada."},"content":{"rendered":"\n<div class=\"wp-block-group has-tertiary-background-color has-background is-layout-flow wp-container-core-group-is-layout-768176b3 wp-block-group-is-layout-flow\" style=\"border-style:none;border-width:0px;margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n<p class=\"has-text-align-center has-large-font-size\"><strong><mark style=\"background-color:#fbf4f3\" class=\"has-inline-color has-primary-color\">T&#8217;expliquem la informaci\u00f3 que trobar\u00e0s en un nou document anomenat &#8220;<em>Declaraci\u00f3 de Prestacions de Pensi\u00f3<\/em>&#8221; (DPP), que pots consultar des del mes d&#8217;agost al MailBox de CaixaBankNow.<\/mark><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-advgb-accordions advgb-accordions-4baab9df-2b23-4fbe-8674-b7d166f31678 advgb-accordion-wrapper\" data-collapsed=\"true\">\n<div class=\"wp-block-advgb-accordion-item advgb-accordion-item\" style=\"margin-bottom:15px\"><div class=\"advgb-accordion-header\" style=\"background-color:#fbf4f3;color:#e0291d;border-style:solid;border-width:1px;border-radius:2px\"><span class=\"advgb-accordion-header-icon\"><svg fill=\"#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"none\" d=\"M0,0h24v24H0V0z\"><\/path><path d=\"M12,2C6.48,2,2,6.48,2,12s4.48,10,10,10s10-4.48,10-10S17.52,2,12,2z M17,13h-4v4h-2v-4H7v-2h4V7h2v4h4V13z\"><\/path><\/svg><\/span><h4 class=\"advgb-accordion-header-title\" style=\"color:inherit\">Qu\u00e8 \u00e9s la DPP?<\/h4><\/div><div class=\"advgb-accordion-body\" style=\"border-style:solid !important;border-width:1px !important;border-color:undefined !important;border-top:none !important;border-radius:2px !important\">\n<p style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"><strong>Les Gestores de Plans de Pensions estan obligades a enviar-nos un informe personalitzat amb una estimaci\u00f3 de la quantitat que podr\u00edem cobrar quan arribi el moment de la nostra jubilaci\u00f3.<\/strong> \u00c9s un document informatiu que no t\u00e9 car\u00e0cter contractual, amb estimacions que varien any a any. Les gestores de plans de pensions estan obligades a enviar-nos un informe personalitzat cada any.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-advgb-accordions advgb-accordions-23f292c8-9b46-4a35-919d-5b07b2029c8e advgb-accordion-wrapper\" data-collapsed=\"true\">\n<div class=\"wp-block-advgb-accordion-item advgb-accordion-item\" style=\"margin-bottom:15px\"><div class=\"advgb-accordion-header\" style=\"background-color:#fbf4f3;color:#e0291d;border-style:solid;border-width:1px;border-radius:2px\"><span class=\"advgb-accordion-header-icon\"><svg fill=\"#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"none\" d=\"M0,0h24v24H0V0z\"><\/path><path d=\"M12,2C6.48,2,2,6.48,2,12s4.48,10,10,10s10-4.48,10-10S17.52,2,12,2z M17,13h-4v4h-2v-4H7v-2h4V7h2v4h4V13z\"><\/path><\/svg><\/span><h4 class=\"advgb-accordion-header-title\" style=\"color:inherit\">Per a qu\u00e8 serveix?<\/h4><\/div><div class=\"advgb-accordion-body\" style=\"border-style:solid !important;border-width:1px !important;border-color:undefined !important;border-top:none !important;border-radius:2px !important\">\n<p style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\">\u00c9s un document <strong>informatiu i orientatiu<\/strong>: no d\u00f3na drets adquirits ni garanteix imports futurs.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-advgb-accordions advgb-accordions-513c9602-615d-4468-aa91-b14891384f40 advgb-accordion-wrapper\" data-collapsed=\"true\">\n<div class=\"wp-block-advgb-accordion-item advgb-accordion-item\" style=\"margin-bottom:15px\"><div class=\"advgb-accordion-header\" style=\"background-color:#fbf4f3;color:#e0291d;border-style:solid;border-width:1px;border-radius:2px\"><span class=\"advgb-accordion-header-icon\"><svg fill=\"#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"none\" d=\"M0,0h24v24H0V0z\"><\/path><path d=\"M12,2C6.48,2,2,6.48,2,12s4.48,10,10,10s10-4.48,10-10S17.52,2,12,2z M17,13h-4v4h-2v-4H7v-2h4V7h2v4h4V13z\"><\/path><\/svg><\/span><h4 class=\"advgb-accordion-header-title\" style=\"color:inherit\">Quines dades utilitza?<\/h4><\/div><div class=\"advgb-accordion-body\" style=\"border-style:solid !important;border-width:1px !important;border-color:undefined !important;border-top:none !important;border-radius:2px !important\">\n<ul class=\"wp-block-list\">\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"> Es basa \u00fanicament en les <strong>aportacions realitzades<\/strong> al Pla de Pensions d&#8217;Ocupaci\u00f3 de CaixaBank en els <strong>darrers 12 mesos<\/strong> (fins al 31\/12\/2024). <\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"> <strong>No inclou:<\/strong> aportacions a altres plans, p\u00f2lisses d&#8217;excessos ni possibles millores salarials o progressions professionals. <\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"><strong>S&#8217;actualitzar\u00e0 cada any<\/strong>, reflectint els canvis en la teva situaci\u00f3 o aportacions.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-advgb-accordions advgb-accordions-20357d8c-b08f-4bf4-90f7-1c1911051d90 advgb-accordion-wrapper\" data-collapsed=\"true\">\n<div class=\"wp-block-advgb-accordion-item advgb-accordion-item\" style=\"margin-bottom:15px\"><div class=\"advgb-accordion-header\" style=\"background-color:#fbf4f3;color:#e0291d;border-style:solid;border-width:1px;border-radius:2px\"><span class=\"advgb-accordion-header-icon\"><svg fill=\"#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"none\" d=\"M0,0h24v24H0V0z\"><\/path><path d=\"M12,2C6.48,2,2,6.48,2,12s4.48,10,10,10s10-4.48,10-10S17.52,2,12,2z M17,13h-4v4h-2v-4H7v-2h4V7h2v4h4V13z\"><\/path><\/svg><\/span><h4 class=\"advgb-accordion-header-title\" style=\"color:inherit\">Qu\u00e8 trobar\u00e0s a la teva DPP?<\/h4><\/div><div class=\"advgb-accordion-body\" style=\"border-style:solid !important;border-width:1px !important;border-color:undefined !important;border-top:none !important;border-radius:2px !important\">\n<ul class=\"wp-block-list\">\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\">Una <strong>estimaci\u00f3 del capital acumulat als 67 anys<\/strong>, edat que estableix la refer\u00e8ncia normativa. Si et jubiles abans, veur\u00e0s el saldo real en aquell moment. Si ho fas despr\u00e9s, s&#8217;ajustar\u00e0 a l&#8217;informe de l&#8217;any seg\u00fcent.<\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\">Una <strong>projecci\u00f3 de Renda Vitalicia si tens 52 anys o m\u00e9s<\/strong> i la teva estimaci\u00f3 supera els 100\u20ac\/mes. Es calcula amb un tipus d&#8217;inter\u00e8s t\u00e8cnic fixat per la Direcci\u00f3 General d&#8217;Assegurances i Fons de Pensions (DGSFP), un <strong>2,18%<\/strong> el 2024.<\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"><strong>Tres escenaris de rendibilitat<\/strong>  definits per la Direcci\u00f3 General d&#8217;Assegurances i Fons de Pensions (DGSFP).\n<ul class=\"wp-block-list\">\n<li>Escenari desfavorable (a partir de l&#8217;escenari central, aplicant un impacte a la baixa)<\/li>\n\n\n\n<li>Escenari central: basada en la rendibilitat hist\u00f2rica del pla en els darrers 10 anys.<\/li>\n\n\n\n<li>Escenari favorable (a partir de l&#8217;escenari central, aplicant un impacte a l&#8217;al\u00e7a)t)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"><strong>Cadascun d&#8217;aquests c\u00e0lculs apareix expressat de dues maneres diferents:<\/strong>\n<ul class=\"wp-block-list\">\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"><strong>En Euros futurs (termes corrents): <\/strong>\u00c9s els diners que podries tenir en jubilar-te, <strong>sense aplicar cap ajust per inflaci\u00f3<\/strong>. \u00c9s a dir, els euros que veuries en el teu pla dins de X anys.<\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\"><strong>En Euros d&#8217;avui (termes constants)<\/strong>: S\u00f3n aquests mateixos diners ajustats al valor actual, <strong>aplicant una inflaci\u00f3 estimada del 2% anual<\/strong>. Serveix per a saber qu\u00e8 poder adquisitiu real tindr\u00e0 aquesta quantitat en el futur, comparat amb els preus d&#8217;avui.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Informaci\u00f3 sobre costos del fons<\/strong>:\n<ul class=\"wp-block-list\">\n<li>Indica el <strong>cost total de gesti\u00f3 del fons durant l&#8217;any 2024<\/strong>: <strong>un 0,81% sobre el patrimoni acumulat<\/strong>. Aquest percentatge varia cada any, inclou totes les despeses suportades pel part\u00edcip (gesti\u00f3, dipositaria, operatius i indirectes).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-advgb-accordions advgb-accordions-aa68c8fa-9b88-4a57-ba7b-edc0e3090664 advgb-accordion-wrapper\" data-collapsed=\"true\">\n<div class=\"wp-block-advgb-accordion-item advgb-accordion-item\" style=\"margin-bottom:15px\"><div class=\"advgb-accordion-header\" style=\"background-color:#fbf4f3;color:#e0291d;border-style:solid;border-width:1px;border-radius:2px\"><span class=\"advgb-accordion-header-icon\"><svg fill=\"#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"none\" d=\"M0,0h24v24H0V0z\"><\/path><path d=\"M12,2C6.48,2,2,6.48,2,12s4.48,10,10,10s10-4.48,10-10S17.52,2,12,2z M17,13h-4v4h-2v-4H7v-2h4V7h2v4h4V13z\"><\/path><\/svg><\/span><h4 class=\"advgb-accordion-header-title\" style=\"color:inherit\">On pots consultar la teva DPP?<\/h4><\/div><div class=\"advgb-accordion-body\" style=\"border-style:solid !important;border-width:1px !important;border-color:undefined !important;border-top:none !important;border-radius:2px !important\">\n<ul class=\"wp-block-list\">\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\">En el teu&nbsp;MailBox&nbsp;de&nbsp;CaixaBankNow, tant des de l&#8217;app com des de la web. \u00c9s un document PDF que pots desar o imprimir.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-border-color has-primary-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-70d3dfd8 wp-block-group-is-layout-constrained\" style=\"border-width:5px;margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<p class=\"has-text-align-center has-large-font-size\"><strong><em>La DPP ens dona una perspectiva del nostre Pla de Pensions, que \u00e9s fruit de la Negociaci\u00f3 Col\u00b7lectiva i la reivindicaci\u00f3 de CCOO<\/em><\/strong>.<\/p>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T&#8217;expliquem la informaci\u00f3 que trobar\u00e0s en un nou document anomenat &#8220;Declaraci\u00f3 de Prestacions de Pensi\u00f3&#8221; (DPP), que pots consultar a CaixaBankNow. Les gestores de plans de pensions estan obligades a enviar-nos un informe personalitzat amb una estimaci\u00f3 del que podr\u00edem cobrar quan arribi el moment de la nostra jubilaci\u00f3. El DPP ens d\u00f3na una perspectiva del nostre Pla de Pensions, que \u00e9s fruit de la Negociaci\u00f3 Col\u00b7lectiva i la reivindicaci\u00f3 de CCOO Recorda que\u2026 Tens disponible el q\u00fcestionari de clima laboral Click \u27a1\ufe0f Xarxa Comercial i Connecta Click \u27a1\ufe0f SSCC i Edificis<\/p>\n","protected":false},"author":7,"featured_media":6734,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"wp-custom-template-noticia-con-encabezado-el-momento-es-ahora-y-pie-el-poder-de-cambiar-las-cosas","format":"standard","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","editor_notices":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6832","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ccoo"],"author_meta":{"display_name":"Juan Morais","author_link":"https:\/\/www.ccoocaixabank.net\/ca\/author\/juanmorais\/"},"featured_img":"https:\/\/www.ccoocaixabank.net\/ca\/wp-content\/uploads\/sites\/3\/2025\/07\/cat-ppi-512x384.jpg","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/www.ccoocaixabank.net\/ca\/categoria\/ccoo\/\" class=\"advgb-post-tax-term\">CCOO<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">CCOO<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 7 mesos ago","modified":"Updated 7 mesos ago"},"absolute_dates":{"created":"Posted on 7 d'octubre de 2025","modified":"Updated on 8 d'octubre de 2025"},"absolute_dates_time":{"created":"Posted on 7 d'octubre de 2025 08:29","modified":"Updated on 8 d'octubre de 2025 08:21"},"featured_img_caption":"","series_order":"","_links":{"self":[{"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/posts\/6832","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/comments?post=6832"}],"version-history":[{"count":42,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/posts\/6832\/revisions"}],"predecessor-version":[{"id":7384,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/posts\/6832\/revisions\/7384"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/media\/6734"}],"wp:attachment":[{"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/media?parent=6832"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/categories?post=6832"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ccoocaixabank.net\/ca\/wp-json\/wp\/v2\/tags?post=6832"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}