{"id":8006,"date":"2025-02-05T16:55:20","date_gmt":"2025-02-05T15:55:20","guid":{"rendered":"http:\/\/ribasalvarezbkp.local\/?p=8006"},"modified":"2026-09-15T11:48:44","modified_gmt":"2026-09-15T09:48:44","slug":"liquidez-a-los-10-anos-que-hay-que-saber","status":"publish","type":"newsribasalvarez","link":"https:\/\/ribasalvarez.jevnet.es\/es\/ra-news\/liquidez-a-los-10-anos-que-hay-que-saber\/","title":{"rendered":"Liquidez a los 10 a\u00f1os: \u00bfqu\u00e9 hay que saber?"},"content":{"rendered":"<p>planes de pensiones y otros productos de previsi\u00f3n social. Esta modificaci\u00f3n permite a los part\u00edcipes disponer de sus derechos consolidados correspondientes a aportaciones con una antig\u00fcedad m\u00ednima de 10 a\u00f1os.<\/p>\n<h6>\u00bfA QUI\u00c9N APLICA ESTA NOVEDAD?<\/h6>\n<p>Esta nueva ventana de liquidez se aplica a:<\/p>\n<ul>\n<li>Planes de pensiones del sistema individual y asociado.<\/li>\n<li>Planes de previsi\u00f3n asegurados (PPA).<\/li>\n<li>Mutualidades de previsi\u00f3n social.<\/li>\n<li>Planes de previsi\u00f3n social empresarial (siempre que est\u00e9 previsto en las especificaciones del plan).<\/li>\n<\/ul>\n<h6>\u00bfCU\u00c1NDO SE PODR\u00c1 SOLICITAR?<\/h6>\n<p>Desde el 1 de enero de 2025. Las aportaciones realizadas antes de 2015 se podr\u00e1n rescatar en esa fecha. Las aportaciones posteriores se podr\u00e1n recuperar a medida que cumplan los 10 a\u00f1os de antig\u00fcedad (por ejemplo, las de 2016 se podr\u00e1n rescatar en 2026, las de 2017 en 2027, y as\u00ed sucesivamente).<\/p>\n<h6>\u00bfEXISTE ALGUNA LIMITACI\u00d3N?<\/h6>\n<p>No hay ninguna limitaci\u00f3n espec\u00edfica en el importe que se puede rescatar, siempre que se cumpla el requisito de los 10 a\u00f1os de antig\u00fcedad.<\/p>\n<h6>\u00bfC\u00d3MO SE PUEDE SOLICITAR EL RESCATE?<\/h6>\n<p>Mediante la solicitud de reembolso. Cada entidad ha incorporado esta nueva opci\u00f3n en sus productos de previsi\u00f3n social.<\/p>\n<h6>\u00bfD\u00d3NDE SE PODR\u00c1 CONSULTAR EL IMPORTE DISPONIBLE?<\/h6>\n<h6><strong>CLIENTES:<\/strong><\/h6>\n<ul>\n<li>Certificado fiscal anual de aportaciones.<\/li>\n<li>Espacio privado de MyAXA (Web y App), My Allianz o la compa\u00f1\u00eda correspondiente.<\/li>\n<\/ul>\n<h6><strong>MEDIADORES:<\/strong><\/h6>\n<ul>\n<li>NED, en la pir\u00e1mide patrimonial.<\/li>\n<li>PDF de la \u00abCarta Cliente del patrimonio\u00bb.<\/li>\n<li>J-Web (consulta de derechos consolidados).<\/li>\n<\/ul>\n<h6>\u00bfCU\u00c1L ES EL OBJETIVO DE ESTA MEDIDA?<\/h6>\n<p>Facilitar el ahorro a largo plazo sin que la falta de liquidez sea una barrera. Esto puede ser especialmente interesante para los j\u00f3venes, que pueden ver en esta opci\u00f3n una herramienta flexible para planificar su jubilaci\u00f3n.<\/p>\n<h6>ASPECTOS FISCALES A TENER EN CUENTA<\/h6>\n<p>Aunque la liquidez a los 10 a\u00f1os es una opci\u00f3n atractiva, es importante recordar que los importes rescatados se integran en el IRPF y pueden suponer un aumento de la tributaci\u00f3n.<\/p>\n<p>En <strong>RIBAS ALVAREZ<\/strong>, contamos con un equipo de expertos en planificaci\u00f3n financiera y fiscalidad que pueden asesorarte sobre la mejor estrategia para rescatar tus ahorros de forma eficiente. No dudes en ponerte en contacto con nosotros para obtener un asesoramiento personalizado y adaptar tu estrategia de ahorro a tus necesidades.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>planes de pensiones y otros productos de previsi\u00f3n social. Esta modificaci\u00f3n permite a los part\u00edcipes disponer de sus derechos consolidados correspondientes a aportaciones con una antig\u00fcedad m\u00ednima de 10 a\u00f1os. \u00bfA QUI\u00c9N APLICA ESTA NOVEDAD? Esta nueva ventana de liquidez\u2026<\/p>\n","protected":false},"author":10,"featured_media":8002,"template":"","news_category":[41],"class_list":["post-8006","newsribasalvarez","type-newsribasalvarez","status-publish","has-post-thumbnail","hentry","news_category-noticias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Liquidez a los 10 a\u00f1os: \u00bfqu\u00e9 hay que saber? - Ribas Alvarez<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Liquidez a los 10 a\u00f1os: \u00bfqu\u00e9 hay que saber? - Ribas Alvarez\" \/>\n<meta property=\"og:description\" content=\"planes de pensiones y otros productos de previsi\u00f3n social. 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