¿En qué debemos fijarnos a la hora de contratar un Plan de Pensiones?

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Cuando vamos a contratar un plan de pensiones, es recomendable que tengamos una cierta capacidad de analizar los principales aspectos que hay que tener en cuenta para saber si un plan es o no adecuado para nosotros y por supuesto, para saber si el plan es bueno o no.

También es importante tener un cierto grado de criterio, para poder compartir opiniones y buscar la mejor alternativa con la ayuda de nuestro Asesor Financiero.

Gestora

Es importante que conozcamos cual es la Entidad Gestora de nuestro plan de pensiones, ya que su función principal entre otras, es la de administrar e invertir el dinero depositado en el plan de pensiones.

Una gestora grande y conocida puede darnos más confianza a la hora de depositarles nuestro ahorro, pero no implica que hagan un mejor trabajo que una gestora más pequeña. En ocasiones, hay gestoras internacionales o nacionales especializadas en la gestión de fondos de inversión o planes de pensiones que hacen una labor mucho más eficiente y rentable que la que puedan llevar a cabo las gestoras más grandes y con demasiada variedad de productos.

Categoría del plan

Uno de los aspectos más importantes. En función del riesgo que queramos asumir, deberíamos de buscar planes de pensiones que encajen en nuestro perfil inversor. Existen varias categorías de planes de pensiones, que van desde los planes monetarios (que son los de menor riesgo), hasta los planes de renta variable (los más agresivos), pasando por planes mixtos, de renta fija…

Alguien que no está dispuesto a sumir demasiado riesgo, no puede invertir en un plan de pensiones de renta variable por ejemplo, ya que en momentos de caída de los mercados, el plan le proporcionaría unas pérdidas muy por encima de lo que podría tolerar.

Rating Morningstar

Este rating, nos puede servir como referencia para valorar el comportamiento que ha tenido el plan en los últimos años, con respecto a su categoría. El rating valor el plan con estrellas, desde una a cinco estrellas.

Cuanto mayor sea el rating de Morningstar, mejor valorado está el plan de pensiones dentro de su categoría.

Buscar fondos de cuatro y cinco estrellas Morningstar, puede ayudarnos a hacer un primer filtro.

Composición de la cartera

Aunque para este estudio hay que tener un buen nivel de conocimientos financieros, saber a grandes rasgos que compone la cartera de nuestro plan de pensiones puede ayudarnos a definir un poco más si el plan es lo que buscamos o no.

Si por ejemplo buscamos un plan de pensiones que invierta en renta variable lo más globalizado posible, el comparar la estructura de cartera de dos o tres planes que nos hayan interesado, puede ayudarnos a encontrar el más diversificado.

En este apartado, también podemos ver que porcentaje de acciones y de renta fija tiene el plan de pensiones, que tipo de acciones o renta fija contiene en cartera, y que sectores ponderan más en el plan, entre otras cosas.

Evolución del plan de pensiones

Ver el comportamiento que ha tenido el plan de pensiones en los últimos años, nos podrá dar una idea del trabajo que hace el equipo de gestores en la cartera. También podremos determinar si el plan he tenido un comportamiento más o menos estable en el largo plazo, y por tanto, podremos descartar aquellos planes que hayan tenido comportamientos bruscos o años malos.

Comisiones

Un punto importante pero no determinante.

Lógicamente, si encontramos dos planes de pensiones, que encajen con lo que buscamos y tengan un comportamiento y estructura muy similares, creemos que es obvio que hay que elegir el más barato.

Sin embargo, si un plan de pensiones tiene unas comisiones que podamos considerar mayores que la media de la categoría, pero realmente justifica por su evolución, el pago de esas comisiones, no lo vemos como un factor para descartar el plan en ningún caso.

De todos los aspectos que hay que mirar a la hora de elegir un plan de pensiones, este es uno de los que menos importancia tiene en nuestra opinión.

Información Legal

Cuando utilizamos cualquier buscador de internet, para mirar planes de pensiones, entre las informaciones que debemos encontrar, está la información legal del fondo, donde podremos tener acceso a informes en los que podremos encontrar todos los aspectos tanto técnicos como legales del fondo.

Cuál es la política de inversión, un informe trimestral o anual, la ficha de la gestora o datos fundamentales para el partícipe; son algunos de los documentos que podremos encontrar publicados.

 

 

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