¿Deberíamos ahorrar para la jubilación? Por supuesto.
Según la mayoría de encuestas, una de las principales preocupaciones de los españoles, es que va a pasar con su pensión una vez se jubilen.
¿Tendremos pensiones?, ¿Cómo serán estas?… son cuestiones que lógicamente la gente se está comenzando a hacer cada vez con más frecuencia, y no es para menos, ya que no hace falta saber demasiado de economía para darse cuenta de que cada vez hay más personas que entran dentro de la edad de jubilación, y sin embargo el número de cotizantes a la seguridad social no crece en la misma proporción.
También hemos observado, que está aumentando el numero de ahorradores que están comenzando a planificar su jubilación de un modo privado, buscando generar un ahorro a largo plazo que les permita tener un cierto colchón de ahorro una vez dejen de trabajar, un ahorro que podría ayudarles a complementar la pensión que les pueda quedar en un futuro; una iniciativa que nos parece absolutamente necesaria.
¿Cómo ahorrar a largo plazo?
Quizás la manera más comúnmente conocida para ahorrar a largo plazo, es mediante el uso de Planes de Pensiones, un instrumento que sin embargo no siempre es el método más apropiado para planificar la jubilación, como veremos a continuación.
Ventajas de los Planes de Pensiones
La principal ventaja de los planes de pensiones, es la posibilidad que tienen de desgravarse una determinada cantidad de las aportaciones realizadas, en el IRPF, algo que beneficia a aquellos ahorradores con ingresos elevados.
Inconvenientes de los Planes de Pensiones
Este tipo de productos están configurados para ayudar a sus poseedores a generar un ahorro de largo plazo para el momento de su jubilación, por lo que solo pueden rescatarse llegado el momento de la jubilación o en el caso que se den una serie de supuestos excepcionales, como un paro de larga jubilación, una enfermedad grave o una invalidez, por ejemplo.
Fondos de Inversión
En nuestra opinión, los Fondos de Inversión es la mejor manera para ahorrar a largo plazo, ya que nos permiten aprovechar las ventajas de la inversión colectiva, al igual que los Planes de Pensiones, pero no tienen ningún tipo de restricción para poder rescatar el dinero. Es decir, un ahorrador que compre hoy un Fondo de Inversión, podría rescatarlo la semana siguiente si así lo quisiera o necesitara.
La única desventaja que tienen los Fondos de Inversión con respecto a los Planes de Pensiones, es que no gozan de una ventaja fiscal, pero como hemos comentado anteriormente, esto sería algo que solo podría interesar a aquellos ahorradores con rentas elevadas.
Liquidez, capacidad de diversificación, poder aprovechar las ventajas de las economías de escala, invertir en prácticamente cualquier mercado u activo o aprovecharse de las capacidades de gestión de profesionales, son algunas de las bonanzas de los Fondos de Inversión, que están al alcance de cualquier ahorrador, independientemente de cuál sea su capacidad de ahorro.
Conclusión
Si la jubilación nos preocupa, hay que tomar medidas cuanto antes. Comenzar a planificar un ahorro de largo plazo, es algo que nos ayudará en el futuro, por lo que no deberíamos de demorarlo más en el tiempo.
Contactar con un asesor financiero que nos ayude a revisar nuestra situación económica actual, y planificar la situación económica futura, puede ayudarnos a que la jubilación, sea un problema menor en nuestro día a día.
Wow, marvelous blog structure! How lengthy have you been running a blog for?
you make running a blog glance easy. The whole glance of
your website is fantastic, as well as the content material!
Greetings! Quick question that’s completely off topic.
Do you know how to make your site mobile friendly?
My site looks weird when browsing from my iphone4.
I’m trying to find a theme or plugin that might be able to
fix this issue. If you have any recommendations, please share.
Many thanks!
This post is priceless. Where can I find out more?
Hi there, I discovered your site via Google
at the same time as searching for a similar subject, your site got here up, it looks good.
I’ve bookmarked it in my google bookmarks.
Hello there, just changed into aware of your blog through Google,
and found that it’s truly informative. I’m going to watch out for brussels.
I will appreciate for those who continue this in future.
Numerous other people might be benefited out of your
writing. Cheers!
Gracias por compartir con todos nosotros toda esta practica información. Con estos granitos de arena hacemos màs grande la montaña Internet. Enhorabuena por este blog.
Saludos
Hello There. I discovered your blog the usage of msn. This is an extremely
well written article. I will make sure to bookmark
it and return to learn more of your useful information. Thank you for the post.
I’ll definitely comeback.
It’s actually a great and helpful piece of information. I
am happy that you shared this helpful info with us.
Please keep us up to date like this. Thanks for sharing.
What’s up it’s me, I am also visiting this site regularly, this web page is genuinely
fastidious and the viewers are truly sharing
nice thoughts.
Great delivery. Solid arguments. Keep up the great
effort.
Hi there, just became alert to your blog through Google, and found
that it is really informative. I’m gonna watch
out for brussels. I will appreciate if you continue this in future.
A lot of people will be benefited from your writing.
Cheers!
Asking questions are in fact good thing if you are not understanding anything
totally, except this piece of writing gives pleasant understanding
even. adreamoftrains content hosting
Amazing! This blog looks exactly like my old one! It’s
on a completely different topic but it has pretty much the same layout and
design. Great choice of colors!
Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates.
I’ve been looking for a plug-in like this for
quite some time and was hoping maybe you would have some experience with something like this.
Please let me know if you run into anything.
I truly enjoy reading your blog and I look forward to your new updates.
This web site really has all the information I wanted about this subject and
didn’t know who to ask.
I’m gone to inform my little brother, that he should also pay a visit
this webpage on regular basis to get updated from most up-to-date news update.
Wow, incredible blog layout! How long have you been blogging for?
you make blogging look easy. The overall look of your site is excellent, as
well as the content!
I read this article completely on the topic of the difference of latest and previous technologies,
it’s remarkable article.
I seriously love your blog.. Great colors & theme.
Did you create this web site yourself? Please reply back as I’m hoping to create my own personal site and would love to find out where you got this
from or exactly what the theme is called.
Thank you! 2CSYEon cheap flights
I couldn’t resist commenting. Well written! cheap flights 3gqLYTc
Very good post. I certainly love this site.
Keep writing!
Quality articles or reviews is the crucial to attract the people to pay a quick visit the
site, that’s what this web page is providing. 3aN8IMa cheap flights
If you wish for to improve your know-how simply keep visiting this website and be updated with the hottest
information posted here.
Generally I do not read post on blogs, however I would like to say
that this write-up very compelled me to take a look at and do it!
Your writing taste has been surprised me. Thank you,
very great article.
I’m impressed, I have to admit. Seldom do I encounter a blog
that’s equally educative and interesting, and without a doubt, you’ve hit the nail
on the head. The problem is something too few people are speaking intelligently about.
I’m very happy that I stumbled across this during my search for something
relating to this.
I’m not that much of a internet reader to be honest but your sites
really nice, keep it up! I’ll go ahead and bookmark your
website to come back down the road. All the best
Yesterday, while I was at work, my cousin stole my iPad and
tested to see if it can survive a forty foot drop, just so
she can be a youtube sensation. My apple ipad is now destroyed and she has
83 views. I know this is entirely off topic but I had to
share it with someone!
I don’t know if it’s just me or if everyone else experiencing issues with your
blog. It appears as if some of the written text within your content are running off the screen. Can someone else please provide
feedback and let me know if this is happening to them too?
This may be a problem with my internet browser because I’ve had
this happen before. Thank you
Attractive part of content. I simply stumbled upon your website and in accession capital
to say that I get in fact loved account your weblog posts.
Anyway I’ll be subscribing for your feeds
and even I achievement you get entry to persistently rapidly.
It’s going to be finish of mine day, but before
end I am reading this great post to increase my knowledge.
El reloj led inalámbrico Microdev® de sesenta y cinco cm x veinticinco cm
incluye un mando para alterar la hora y manejar las distintas funciones del
reloj.
Essas são duas formas extremamente seguras de registrar o ponto dos funcionários, uma vez que impossibilita fraudes
e garante a veracidade das informações.
Asimismo, el reloj de fichar que tan solo permitía el registro horario
se convertía en un sistema de control de acceso, dotando de mayor
protección an oficinas y naves.
Con “impermeabilidad” nos referimos a la resistencia al agua.
Everything is very open with a clear description of the issues.
It was definitely informative. Your website is very helpful.
Thank you for sharing!
Hello mates, its great post about cultureand completely explained, keep it up all the time.
Highly descriptive article, I enjoyed that a lot. Will there be a part
2?
my website; http://www.interleads.net/classifieds/user/profile/242424
I’ve been browsing online more than three hours today, yet I never
found any interesting article like yours. It is pretty worth
enough for me. In my opinion, if all website owners and bloggers made
good content as you did, the internet will be much more useful than ever before.
My site: http://opticalmedia.qhub.com/member/2014741
Unquestionably believe that which you stated. Your favorite justification appeared to
be on the net the easiest factor to keep in mind of.
I say to you, I certainly get annoyed at the same time as folks consider worries that they just don’t realize about.
You managed to hit the nail upon the top as well as defined out the entire thing with no need
side-effects , other folks could take a signal. Will likely be again to get more.
Thank you!
Here is my web page Premium Hemp CBD
Hi to all, the contents present at this site are actually amazing for people knowledge, well, keep up the good work fellows.
Review my web site … https://solohostbook.com/index.php/blog/14418/are-you-addicted-to-marijuana-figure-out-how-to-quit-smoking-weed/
Excellent pieces. Keep posting such kind of info on your site.
Im really impressed by it.
Hi there, You have performed a fantastic job.
I’ll certainly digg it and in my view recommend to my friends.
I’m sure they’ll be benefited from this web site.
I have been exploring for a little for any high quality articles or weblog posts in this sort of
house . Exploring in Yahoo I eventually stumbled upon this
web site. Reading this information So i am glad to express
that I have a very good uncanny feeling I came upon just what I needed.
I so much no doubt will make sure to don?t forget this web
site and provides it a glance on a continuing basis.
Visit my homepage: اینجا
Thanks for some other informative blog. Where else could I get that type of
information written in such a perfect manner? I’ve a project that I am simply now working on, and I have been at the glance out for such info.
Here is my web blog 188bet
No obstante, puede existir otro género de energía circulante
que fomente su buena constante tarea.
Awesome post.
Look at my web page … Einkin Portable AC Review
Hi to all, how is everything, I think every one is getting more from this web site, and your
views are good designed for new people.
Here is my homepage: http://collective.wildlensinc.org/tiki-index.php?page=UserPagerodneyneilsencaweqi
A lot of thanks for your own effort on this blog. Ellie loves setting aside time for investigations and
it’s really easy to understand why. A lot of people learn all concerning the powerful form you
present powerful suggestions on the blog and as well inspire response
from other ones on that subject matter then our favorite girl is truly becoming educated
a whole lot. Have fun with the remaining portion of the year.
You are always conducting a tremendous job.[X-N-E-W-L-I-N-S-P-I-N-X]I’m
really impressed along with your writing abilities as well as with the format in your blog.
Is that this a paid subject matter or did you customize it yourself?
Either way stay up the excellent high quality writing, it’s
uncommon to look a great blog like this one today.
my web blog; Cannagenix CBD Oil
Hey there! Do you use Twitter? I’d like to follow you if that would be ok.
I’m undoubtedly enjoying your blog and look forward to new posts.
I wanted to thank you for this very good read!! I absolutely enjoyed
every bit of it. I have got you bookmarked to look at new stuff
you post?
Here is my blog … Visit anyway
Great beat ! I wish to apprentice even as youu amend your
website, how could i subscribe for a blog website? The account helped me a appropriate deal.
I have been a little bit familiar of this your brfoadcast offered
shiny clear concept
Feel free to surf to my site … 온라인카지노
I am sure this paragraph has touched all the
internet visitors, its really really pleasant post on building up new weblog.
Handily the best Foundation yet and the $200 Peak was our top
pick until the Fitbit Cost HR got here along.
Hey there! I’ve been reading your weblog foor a while now and
finally got the courage to go ahead and give you a shoujt out from
Austin Texas! Just wanted to say keep up the good job!
My web blog Noel
Thanks , I have just been looking for information about this topic for ages and yours is the greatest I have found out till now.
However, what about the bottom line? Are you sure about
the supply?
Pretty component to content. I simply stumbled upon your web site and in accession capital to claim that I acquire actually enjoyed account your
blog posts. Anyway I’ll be subscribing in your augment and even I achievement
you get right of entry to persistently fast.
You may wish to place a little towel below your feet throughout the massage in order to avoid spilling the oil on to your
clothes or bedding. You can download MP3 files
on top of the USB stick and plug it in the port on the chair.
A well designed Rehabilitation program with all the correct advancement of proper stretching
exercises indicates these basic functions could be preserved and improved
upon.
Hello my loved one! I want to say that this post is awesome, nice written and
include almost all significant infos. I’d like to see more
posts like this .
Great blog here! Also your web site loads up fast! What web host are you using?
Can I get your affiliate link to your host? I wish my website loaded up as
fast as yours lol
Heya i’m for the first time here. I came
across this board and I find It truly useful & it
helped me out much. I hope to give something back and help others like you helped me.
Just wish to say your article is as astonishing. The clarity in your post is
simply great and i can assume you are an expert on this subject.
Well with your permission allow me to grab your feed to keep up to
date with forthcoming post. Thanks a million and please keep up the gratifying work.
My page :: 사설토토사이트
What’s up, everything is going perfectly here and ofcourse
every one is sharing information, that’s genuinely excellent, keep up writing.
In fact when someone doesn’t know after that its up to other visitors that they will help, so here it takes place.|
CBD hemp Flower Bud Nugs
I must express some appreciation to the writer for bailing me out of such a setting.
After surfing through the the net and finding techniques which were not beneficial,
I assumed my entire life was well over. Living without
the solutions to the issues you have sorted out through your main guide is a critical case,
as well as the kind which could have in a wrong way damaged
my career if I had not discovered your blog post. Your own talents and kindness in playing with all
things was precious. I don’t know what I would have done if I had not
come across such a step like this. I can also at this moment
relish my future. Thank you so much for this professional and effective guide.
I won’t hesitate to propose your web site to any
individual who should receive support on this issue.
Here is my blog post … Home Renovation
Thanks for any other excellent article. Where else may just anybody get that
kind of info in such an ideal way of writing? I’ve a presentation subsequent week, and I am at
the look for such information.
my blog post … Sell Huntersville
I do not even know the way I ended up right here, but
I thought this publish used to be good. I don’t understand who you’re but certainly you are going to a well-known blogger when you aren’t already.
Cheers! https://vanzari-parbrize.ro/parbrize/parbrize-daf.html
I was wondering if you ever thought of changing the structure of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or two images. Maybe you could space it out better?|
Hurrah! In the end I got a website from where I be able to truly get useful facts concerning my study and knowledge.|
Hi there to every single one, it’s really a pleasant for me to pay a visit this site, it contains helpful Information.|
Ahaa, its good dialogue concerning this paragraph at this place at this blog, I have read all that, so now me also commenting here.|
Fastidious respond in return of this difficulty with firm arguments and telling everything on the topic of that.|
Hi! I know this is kind of off topic but I was wondering which blog platform are you using for this website? I’m getting sick and tired of WordPress because I’ve had issues with hackers and I’m looking at alternatives for another platform. I would be great if you could point me in the direction of a good platform.|
Wonderful goods from you, man. I’ve understand
your stuff previous to and you’re just extremely magnificent.
I really like what you have acquired here, certainly like what you are saying and the way in which you say it.
You make it enjoyable and you still care for to keep it wise.
I can not wait to read far more from you. This is actually a
terrific web site.
I seriously love your blog.. Excellent colors & theme. Did you create this site yourself? Please reply back as I’m attempting to create my own site and would love to learn where you got this from or exactly what the theme is named. Kudos!|
Can I simply say what a comfort to discover someone that really understands
what they’re discussing over the internet. You definitely understand how to
bring an issue to light and make it important. More people have to look at this and understand this side of your story.
I was surprised that you aren’t more popular since you certainly have the gift.
Whoa! This blog looks exactly like my old one! It’s on a totally different subject but it has
pretty much the same layout and design. Superb choice of colors!
Thanks for finally talking about > ¿Deberíamos ahorrar para la jubilación? Por supuesto.
– Consulae < Loved it!
First off I want to say fantastic blog! I had a quick question which
I’d like to ask if you do not mind. I was interested to know how you center yourself and
clear your thoughts prior to writing. I have had trouble clearing my thoughts in getting my thoughts out
there. I do take pleasure in writing but it just seems
like the first 10 to 15 minutes are generally wasted simply just trying to figure out
how to begin. Any suggestions or tips? Kudos!