{"id":60980,"date":"2024-06-19T14:43:56","date_gmt":"2024-06-19T12:43:56","guid":{"rendered":"https:\/\/www.fondapi.it\/costes\/"},"modified":"2025-11-12T08:49:28","modified_gmt":"2025-11-12T07:49:28","slug":"costes","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/es\/como-funciona\/costes\/","title":{"rendered":"Costes"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"60980\" class=\"elementor elementor-60980 elementor-55881\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-358f0189 e-flex e-con-boxed e-con e-parent\" data-id=\"358f0189\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6d69c033 e-flex e-con-boxed e-con e-child\" data-id=\"6d69c033\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67aa5191 elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"67aa5191\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.fondapi.it\/es\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Inicio\">Inicio<\/a><\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e26a608 elementor-widget elementor-widget-html\" data-id=\"4e26a608\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>document.addEventListener(\"DOMContentLoaded\", function() {\n  var observer = new MutationObserver(function(mutations) {\n    mutations.forEach(function(mutation) {\n      var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n      if (link) {\n        link.addEventListener(\"click\", function(event) {\n          event.preventDefault();\n        });\n      }\n    });\n  });\n\n  observer.observe(document.body, { childList: true, subtree: true });\n\n  var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n  if (link) {\n    link.addEventListener(\"click\", function(event) {\n      event.preventDefault();\n    });\n  }\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d7edf00 e-flex e-con-boxed e-con e-child\" data-id=\"7d7edf00\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41f6d441 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"41f6d441\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">c\u00f3mo funciona<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f5c2a28 e-flex e-con-boxed e-con e-parent\" data-id=\"5f5c2a28\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3585db00 e-con-full e-flex e-con e-child\" data-id=\"3585db00\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_offset&quot;:140,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3870dace elementor-widget elementor-widget-text-editor\" data-id=\"3870dace\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cuando se trata de elegir una fuente de inversi\u00f3n, los <b>costes<\/b> representan, naturalmente, un <b>componente fundamental en el proceso de decisi\u00f3n de un individuo<\/b>. <\/p><p>Precisamente porque la transparencia es uno de los valores fundamentales de Fondapi, ofrecemos una herramienta que permite la comparaci\u00f3n directa entre las diversas opciones disponibles. <\/p><p>Antes de comparar los costes de los fondos de pensiones, es \u00fatil distinguir entre los diversos tipos de costes que un adherente puede encontrar al suscribir un plan de pensiones complementario.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5270aeed e-con-full e-flex e-con e-child\" data-id=\"5270aeed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3847fb55 elementor-widget elementor-widget-image\" data-id=\"3847fb55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1335\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp\" class=\"attachment-full size-full wp-image-60704\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp 1335w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-684x1024.webp 684w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-768x1151.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-1025x1536.webp 1025w\" sizes=\"(max-width: 1335px) 100vw, 1335px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bfbb58b elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"6bfbb58b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a3905e e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"4a3905e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;],&quot;animation&quot;:&quot;bounceIn&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4b7747c e-con-full e-flex e-con e-child\" data-id=\"4b7747c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6186e9a elementor-widget elementor-widget-heading\" data-id=\"6186e9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Diferentes tipos de fondos, diferentes costes\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9acfdf9 e-con-full e-flex e-con e-child\" data-id=\"9acfdf9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed00e6a elementor-widget elementor-widget-text-editor\" data-id=\"ed00e6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Entre los diferentes tipos de fondos de pensiones presentes en Italia existen notables diferencias de coste. Generalmente, los fondos <strong>menos costosos<\/strong> son los <strong>negociados<\/strong>, es decir, aquellos previstos por el convenio colectivo y cuya adhesi\u00f3n est\u00e1 vinculada al mismo. Los bajos costes se deben a la propia naturaleza jur\u00eddica del fondo. Se trata, de hecho, de organizaciones que por su estatuto interno no deben producir beneficios (<em>sin \u00e1nimo de lucro<\/em>) y para su promoci\u00f3n conf\u00edan en la sensibilidad de las estructuras sindicales territoriales.    <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25189d9 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"25189d9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;],&quot;animation&quot;:&quot;bounceIn&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-97e2357 e-con-full e-flex e-con e-child\" data-id=\"97e2357\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-491d144 elementor-widget elementor-widget-text-editor\" data-id=\"491d144\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Se pueden identificar dos tipos de costes de un fondo de pensiones:<\/p><ul><li><strong>Costes <em>directamente<\/em> a cargo del adherente<\/strong>:<br>gastos que cubren los costes de las actividades administrativas. A menudo se trata de una cantidad fija anual (cuota de afiliaci\u00f3n). Otras veces se trata de una retenci\u00f3n porcentual sobre las aportaciones.  <\/li><li><strong>Costes <em>indirectamente<\/em> a cargo del adherente<\/strong>:<br>son gastos que cubren las actividades de los gestores financieros y del banco depositario. Est\u00e1n a cargo del patrimonio del Fondo y luego se reparten entre cada afiliado individual. <\/li><li><strong>Costes de las prestaciones<\/strong>:<br>siempre est\u00e1n a cargo del adherente, pero se aplican solo en el momento en que el adherente dispone una operaci\u00f3n (un cambio de compartimento, un anticipo y similares)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17ce5c1 e-con-full e-flex e-con e-child\" data-id=\"17ce5c1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2d3769 elementor-widget elementor-widget-heading\" data-id=\"d2d3769\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hay costes y costes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf78dd6 e-flex e-con-boxed e-con e-parent\" data-id=\"cf78dd6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1b8605b e-con-full e-flex e-con e-child\" data-id=\"1b8605b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db19fca elementor-widget elementor-widget-heading\" data-id=\"db19fca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ISC - Indicador Sint\u00e9tico de Costes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04316d8 elementor-widget elementor-widget-heading\" data-id=\"04316d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Entender cu\u00e1nto cuesta un fondo de pensiones<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3eb72b elementor-widget elementor-widget-button\" data-id=\"c3eb72b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fondapi.it\/es\/costes\/comparar-costes\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Compare los costes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38d0a26 e-con-full e-flex e-con e-child\" data-id=\"38d0a26\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-980fe8c elementor-widget elementor-widget-text-editor\" data-id=\"980fe8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Entender y comparar efectivamente cu\u00e1nto cuesta un fondo de pensiones no es una operaci\u00f3n sencilla. Para ayudar a los interesados, la <strong>autoridad de vigilancia<\/strong> de los fondos de pensiones (<strong><em>COVIP<\/em><\/strong>) ha establecido que cada fondo de pensiones debe publicar su propio Indicador sint\u00e9tico de costes (<strong>ISC<\/strong>). Esta herramienta, de hecho, permite una comparaci\u00f3n r\u00e1pida y eficaz del coste de un fondo con otros.  <\/p><p>El <strong>ISC<\/strong> indica el impacto porcentual de los costes sobre la posici\u00f3n individual acumulada durante la fase de acumulaci\u00f3n. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbde8d4 e-flex e-con-boxed e-con e-parent\" data-id=\"fbde8d4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-180148f elementor-blockquote--skin-boxed elementor-widget elementor-widget-blockquote\" data-id=\"180148f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tLa misma autoridad de vigilancia ha estimado que un ISC del 2% en lugar del 1% puede reducir el capital acumulado despu\u00e9s de 35 a\u00f1os en aproximadamente un 18%, por ejemplo, lo reduce de 100.000 a 82.000 euros.\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Fonte: Covip<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50a8d45 e-flex e-con-boxed e-con e-parent\" data-id=\"50a8d45\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-76a5039 e-con-full e-flex e-con e-child\" data-id=\"76a5039\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5644804 elementor-widget elementor-widget-text-editor\" data-id=\"5644804\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fondapi tiene un coste de 22\u20ac\/a\u00f1o (cuota de afiliaci\u00f3n). En el momento de la adhesi\u00f3n y solo en ese momento, el adherente y la empresa se reparten aproximadamente por igual los gastos de adhesi\u00f3n, que ascienden a 11,36\u20ac. <br><img decoding=\"async\" class=\"alignnone wp-image-60421 size-full\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2025\/06\/isc-2025.png\" alt=\"ISC FONDAPI \" width=\"637\" height=\"425\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2025\/06\/isc-2025.png 637w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2025\/06\/isc-2025-300x200.png 300w\" sizes=\"(max-width: 637px) 100vw, 637px\" \/><\/p><div class=\"mceTemp\">El ISC de Fondapi comparado con el coste medio de otros fondos cerrados, abiertos y PIP<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4edb08 e-con-full e-flex e-con e-child\" data-id=\"f4edb08\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9be6071 elementor-widget elementor-widget-heading\" data-id=\"9be6071\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Los costes de Fondapi\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61d99a6 e-flex e-con-boxed e-con e-parent\" data-id=\"61d99a6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f769bb elementor-widget elementor-widget-html\" data-id=\"2f769bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async=\"\"><\/script>\n<div class=\"trustpilot-widget\" data-locale=\"it-IT\" data-template-id=\"54ad5defc6454f065c28af8b\" data-businessunit-id=\"636d0a1b79e3f339e1d60a3b\" data-style-height=\"240px\" data-style-width=\"100%\" data-theme=\"light\" data-stars=\"1,2,3,4,5\" data-review-languages=\"it\" data-font-family=\"Lato\" data-text-color=\"#000000\">\n  <a href=\"https:\/\/it.trustpilot.com\/review\/fondapi.it\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d7b7fd3 e-con-full e-flex e-con e-parent\" data-id=\"5d7b7fd3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-310873a e-con-full e-flex e-con e-child\" data-id=\"310873a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-4086b6d e-con-full e-flex e-con e-child\" data-id=\"4086b6d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b80a515 elementor-widget elementor-widget-heading\" data-id=\"b80a515\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfA cu\u00e1nto dinero est\u00e1s renunciando?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aafd641 elementor-widget elementor-widget-heading\" data-id=\"aafd641\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00a1Desc\u00fabrelo con nuestro simulador. Es gratis! \n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9860fa9 e-flex e-con-boxed e-con e-child\" data-id=\"9860fa9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1dd5c2 elementor-widget elementor-widget-button\" data-id=\"f1dd5c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fondapi.it\/es\/como-funciona\/contribucion-de-la-empresa\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00a1Calcular ahora!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab02820 elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"ab02820\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/forms.office.com\/e\/3TMS2B7AMy\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Solicite una consulta<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home c\u00f3mo funciona Cuando se trata de elegir una fuente de inversi\u00f3n, los costes representan, naturalmente, un componente fundamental en el proceso de decisi\u00f3n de un individuo. Precisamente porque la transparencia es uno de los valores fundamentales de Fondapi, ofrecemos una herramienta que permite la comparaci\u00f3n directa entre las diversas opciones disponibles. Antes de comparar [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61269,"menu_order":15,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-60980","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Costes - Fondapi<\/title>\n<meta name=\"description\" content=\"Descubra los costes de forma transparente: gastos de adhesi\u00f3n, gesti\u00f3n y administraci\u00f3n. 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Todo lo que necesita saber para evaluar su fondo de pensiones con claridad.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fondapi.it\/es\/como-funciona\/costes\/\" \/>\n<meta property=\"og:site_name\" content=\"Fondapi\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pages\/Scegli-Fondapi\/111620682275544?fref=ts\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-12T07:49:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1335\" \/>\n\t<meta property=\"og:image:height\" content=\"2000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@fondapi\" \/>\n<meta name=\"twitter:label1\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fondapi.it\/es\/como-funciona\/costes\/\",\"url\":\"https:\/\/www.fondapi.it\/es\/como-funciona\/costes\/\",\"name\":\"Costes - Fondapi\",\"isPartOf\":{\"@id\":\"https:\/\/www.fondapi.it\/es\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fondapi.it\/es\/como-funciona\/costes\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fondapi.it\/es\/como-funciona\/costes\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp\",\"datePublished\":\"2024-06-19T12:43:56+00:00\",\"dateModified\":\"2025-11-12T07:49:28+00:00\",\"description\":\"Descubra los costes de forma transparente: gastos de adhesi\u00f3n, gesti\u00f3n y administraci\u00f3n. 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