{"id":31190,"date":"2019-03-27T13:45:21","date_gmt":"2019-03-27T13:45:21","guid":{"rendered":"http:\/\/www.tressis.com\/blog\/?p=31190"},"modified":"2023-05-29T18:57:10","modified_gmt":"2023-05-29T16:57:10","slug":"jubilacion-a-que-esperas-para-planificar-tu-futuro-bienestar-economico","status":"publish","type":"post","link":"https:\/\/www.tressis.com\/ca\/blog\/jubilacion-a-que-esperas-para-planificar-tu-futuro-bienestar-economico\/","title":{"rendered":"Jubilaci\u00f3n: \u00bfA qu\u00e9 esperas para planificar tu futuro bienestar econ\u00f3mico?"},"content":{"rendered":"<p>Hace ya algunos a\u00f1os que un debate se ha puesto encima de la mesa de los principales agentes econ\u00f3micos de Espa\u00f1a sin que al parecer se llegue a alg\u00fan acuerdo o soluci\u00f3n: qu\u00e9 va a pasar con nuestras pensiones.<!--more--><\/p>\n<p>\u00bfDe verdad podremos cobrarlas o el Fondo de reserva de la Seguridad Social, donde vamos contribuyendo mientras trabajamos, se est\u00e1 vaciando, como si fuera un embalse en a\u00f1os de sequ\u00eda?<\/p>\n<p>\u00bfPor qu\u00e9 es esta una preocupaci\u00f3n real? Varios son los factores:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: square;\"><strong>Nuestro sistema de pensiones p\u00fablico:<\/strong> dise\u00f1ado en la d\u00e9cada de los sesenta. Lo que nosotros vamos ingresando a la Seguridad Social mientras trabajamos no se guarda \u201cen una caja de ahorros\u201d a la espera de ser utilizado cuando nos jubilemos. Se emplea, hoy, para pagar a los pensionistas de hoy. Esta caja se redistribuye seg\u00fan las necesidades actuales. Para hacernos una idea de la carga econ\u00f3mica que supone, la cotizaci\u00f3n para la jubilaci\u00f3n es un 28,3% de la base de cotizaci\u00f3n. Con una demograf\u00eda constante, se necesitar\u00edan tres a\u00f1os y medio de cotizaci\u00f3n para financiar un a\u00f1o de pensi\u00f3n.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: square;\"><strong>Nuestra pir\u00e1mide demogr\u00e1fica:<\/strong> por un lado la ca\u00edda de la tasa de natalidad no acaba de recuperarse \u2014las crisis econ\u00f3micas y la incertidumbre pol\u00edtica son cr\u00edticas\u2014 y por otro lado la esperanza de vida ha aumentado considerablemente, hasta los 83 a\u00f1os. Actualmente en Espa\u00f1a hay 2,3 adultos por cada jubilado y en ca\u00edda libre si contin\u00faa esta tendencia demogr\u00e1fica. Esto significa que se reduce la cantidad de personas en edad de trabajar, cuyos ingresos ser\u00e1n distribuidos para pagar las pensiones de un n\u00famero no solo cada vez mayor de jubilados, sino durante m\u00e1s a\u00f1os, ya que somos m\u00e1s longevos. Nuestro sistema hoy ya es deficitario. Lo que se ingresa es inferior a lo que se gasta.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: square;\"><strong>La reforma del sistema p\u00fablico de pensiones de 2013:<\/strong> en vista de lo anterior, se busc\u00f3 el modo de no \u201cvaciar las arcas\u201d. \u00bfC\u00f3mo? Ajustando los gastos a los ingresos, es decir, conforme los beneficiarios sean m\u00e1s y sus tasas de vida aumenten la prestaci\u00f3n a recibir ir\u00e1 disminuyendo, para garantizar el pago de la pensi\u00f3n mientras vivan. Tampoco actualmente se plantea ajustarla al IPC. As\u00ed, por ejemplo, con un salario medio de 100, las personas que se jubilen pasar\u00e1n de cobrar 82 actualmente a menos de 50 en las pr\u00f3ximas d\u00e9cadas.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: square;\"><strong>La inflaci\u00f3n<\/strong> es un factor decisivo a la hora de invertir. Si no tienes en cuenta la inflaci\u00f3n anual, que ronda el 2%, el ahorro que consigas en 20 a\u00f1os no valdr\u00e1 igual. El motivo es que los precios suben y sin una buena planificaci\u00f3n, tu inversi\u00f3n no puede abarcar la inflaci\u00f3n y perder\u00e1 valor.<\/li>\n<\/ul>\n<p>Si nuestros ingresos por pensi\u00f3n cuando nos jubilemos van a ser sustancialmente menores, \u00bftambi\u00e9n lo ser\u00e1n nuestros gastos? La respuesta es no. Los gastos tras la jubilaci\u00f3n no se reducen, aunque uno pudiera pensar lo contrario. Es cierto que no hay que pagar hipotecas, ni estudios\u2026 pero s\u00ed hay m\u00e1s tiempo y salud para disfrutar del ocio, viajar\u2026 Uno no piensa en jubilarse para quedarse en casa, sino para disfrutar de unos a\u00f1os de vida haciendo lo que siempre quiso despu\u00e9s de d\u00e9cadas de esfuerzos. Por otro lado, tampoco vamos a estar exentos de imprevistos. Durante la reciente crisis, los mayores fueron la base familiar y el sustento econ\u00f3mico de muchas familias. A d\u00eda de hoy, a\u00fan siguen si\u00e9ndolo en numerosos casos.<\/p>\n<p>Las consecuencias en nuestra realidad actual y futura no son alentadoras: la pensi\u00f3n p\u00fablica que percibiremos va a ser cada vez menor, viviremos m\u00e1s a\u00f1os y seguiremos teniendo gastos e imprevistos. \u00bfY qu\u00e9 significa esto? Pues que ya no podemos apoyarnos \u00fanicamente en la pensi\u00f3n p\u00fablica para asegurarnos un retiro tranquilo, sino que ese hueco hay que llenarlo con rentas procedentes de nuestro ahorro personal. \u00bfSon tan malas noticias? \u00bfC\u00f3mo \u201cle damos la vuelta a esta tortilla\u201d? Sencillo: hagamos una adecuada planificaci\u00f3n financiera de nuestros ahorros e inversiones desde ya. Y hag\u00e1moslo de la mano de un asesor de confianza, que nos ayude a que invertir en nuestro futuro no sea hoy para nosotros una carga econ\u00f3mica m\u00e1s, pero s\u00ed una tranquilidad inmensa ma\u00f1ana. En <a href=\"https:\/\/www.tressis.com\/planificacion-financiera\/\" target=\"_blank\" rel=\"noopener noreferrer\">Tressis<\/a> somos especialistas en gesti\u00f3n de patrimonios y te acompa\u00f1amos a lo largo de tu vida para alcanzar tus objetivos vitales y financieros.<\/p>\n<p>\u00bfA qu\u00e9 esperas para planificar tu futuro bienestar econ\u00f3mico?<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Hace ya algunos a\u00f1os que un debate se ha puesto encima de la mesa de los principales agentes econ\u00f3micos de Espa\u00f1a sin que al parecer se llegue a alg\u00fan acuerdo o soluci\u00f3n: qu\u00e9 va a pasar con nuestras pensiones.<\/p>\n","protected":false},"author":4,"featured_media":31196,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8558],"tags":[2987,3192,3453,3744,4659,4760,4883,5161,5549,6204,6208],"class_list":["post-31190","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jubilacion","tag-gastos-tras-jubilacion","tag-hipotecas","tag-inflacion","tag-jubilacion","tag-pagar-estudios","tag-pensiones","tag-piramide-demografica","tag-prestaciones","tag-reforma-sistema-publico-pensiones","tag-sistema-publico-de-pensiones","tag-sistemas-de-pensiones-espana"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Jubilaci\u00f3n: \u00bfA qu\u00e9 esperas para planificar tu futuro bienestar econ\u00f3mico?<\/title>\n<meta name=\"description\" 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