¿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.
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