{"id":61347,"date":"2024-06-18T17:52:29","date_gmt":"2024-06-18T15:52:29","guid":{"rendered":"https:\/\/www.fondapi.it\/como-funciona\/beneficios-fiscales\/"},"modified":"2025-11-28T11:19:12","modified_gmt":"2025-11-28T10:19:12","slug":"beneficios-fiscales","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/es\/como-funciona\/beneficios-fiscales\/","title":{"rendered":"Beneficios fiscales"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"61347\" class=\"elementor elementor-61347 elementor-55742\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20d8de21 e-flex e-con-boxed e-con e-parent\" data-id=\"20d8de21\" 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-65a652b5 e-flex e-con-boxed e-con e-child\" data-id=\"65a652b5\" 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-47087ccf elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"47087ccf\" 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-6d26a704 elementor-widget elementor-widget-html\" data-id=\"6d26a704\" 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-3636c9be e-flex e-con-boxed e-con e-child\" data-id=\"3636c9be\" 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-7d048caf elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"7d048caf\" 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\">\u00bfC\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-730adcc9 e-flex e-con-boxed e-con e-parent\" data-id=\"730adcc9\" 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-22026fc6 e-con-full e-flex e-con e-child\" data-id=\"22026fc6\" 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-86f2d61 elementor-widget elementor-widget-heading\" data-id=\"86f2d61\" 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\"><span style=\"color: #3997B9\">Menos impuestos<\/span> que pagar<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c87e81d elementor-widget elementor-widget-text-editor\" data-id=\"5c87e81d\" 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>Al adherirse a Fondapi disfrutar\u00e1 de los <b>beneficios fiscales vinculados a la previsi\u00f3n complementaria<\/b>, tanto en la fase de acumulaci\u00f3n como en la de liquidaci\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<div class=\"elementor-element elementor-element-42211eaa e-con-full e-flex e-con e-child\" data-id=\"42211eaa\" 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-31281f04 elementor-widget elementor-widget-image\" data-id=\"31281f04\" 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=\"2000\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse.webp\" class=\"attachment-full size-full wp-image-61350\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse.webp 2000w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse-300x300.webp 300w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse-1024x1024.webp 1024w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse-150x150.webp 150w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse-768x768.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse-1536x1536.webp 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\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-987b28c e-flex e-con-boxed e-con e-parent\" data-id=\"987b28c\" 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-3e5b50c e-con-full e-flex e-con e-child\" data-id=\"3e5b50c\" 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-bb554f0 e-con-full e-flex e-con e-child\" data-id=\"bb554f0\" 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-1e7bfe8 elementor-widget elementor-widget-heading\" data-id=\"1e7bfe8\" 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\">As\u00ed es como Fondapi le ayuda\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8bf557 elementor-widget elementor-widget-text-editor\" data-id=\"e8bf557\" 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>Tambi\u00e9n por lo que respecta a las obligaciones fiscales a cargo del adherente, en comparaci\u00f3n con otras inversiones <b>el fondo de pensiones est\u00e1 muy favorecido<\/b>; adem\u00e1s, el adherente, salvo algunos casos, no tiene obligaciones fiscales particulares o dif\u00edciles de cumplir.<\/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-0c8182a e-con-full e-flex e-con e-child\" data-id=\"0c8182a\" 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-60d5036 e-con-full e-flex e-con e-child\" data-id=\"60d5036\" 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<div class=\"elementor-element elementor-element-3f7d6ee e-flex e-con-boxed e-con e-child\" data-id=\"3f7d6ee\" 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-af619b5 elementor-widget elementor-widget-heading\" data-id=\"af619b5\" 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\">Deducibilidad de las aportaciones<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbd1bd1 elementor-widget elementor-widget-text-editor\" data-id=\"dbd1bd1\" 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>Cada a\u00f1o puede deducir hasta 5.164,57\u20ac. Menos impuestos en la declaraci\u00f3n. \u00a1Cada a\u00f1o!  <\/p>\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<div class=\"elementor-element elementor-element-c730554 e-con-full e-flex e-con e-child\" data-id=\"c730554\" 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<div class=\"elementor-element elementor-element-7b8cf54 e-flex e-con-boxed e-con e-child\" data-id=\"7b8cf54\" 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-f8e3bba elementor-widget elementor-widget-heading\" data-id=\"f8e3bba\" 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\">Tributaci\u00f3n ventajosa de los rendimientos<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7c0865 elementor-widget elementor-widget-text-editor\" data-id=\"c7c0865\" 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>Los rendimientos de Fondapi tributan al 20% en lugar del 26%<\/p>\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<div class=\"elementor-element elementor-element-9998ca9 e-con-full e-flex e-con e-child\" data-id=\"9998ca9\" 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<div class=\"elementor-element elementor-element-48ac845 e-flex e-con-boxed e-con e-child\" data-id=\"48ac845\" 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-dea3acd elementor-widget elementor-widget-heading\" data-id=\"dea3acd\" 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\">Descuento fiscal en las liquidaciones de indemnizaci\u00f3n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad339bb elementor-widget elementor-widget-text-editor\" data-id=\"ad339bb\" 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>La liquidaci\u00f3n por jubilaci\u00f3n tributa entre el 15% y el 9%.<\/p>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-258e5e67 e-flex e-con-boxed e-con e-parent\" data-id=\"258e5e67\" 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-2ae43f51 e-con-full e-flex e-con e-child\" data-id=\"2ae43f51\" 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-36de7efd elementor-widget elementor-widget-image\" data-id=\"36de7efd\" 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 decoding=\"async\" width=\"1334\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita.webp\" class=\"attachment-full size-full wp-image-61351\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita.webp 1334w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita-683x1024.webp 683w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita-768x1151.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita-1025x1536.webp 1025w\" sizes=\"(max-width: 1334px) 100vw, 1334px\" \/>\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<div class=\"elementor-element elementor-element-a8f7265 e-con-full e-flex e-con e-child\" data-id=\"a8f7265\" 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-53a8a93b elementor-widget elementor-widget-heading\" data-id=\"53a8a93b\" 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\">Deducibilidad fiscal\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52ee0406 elementor-widget elementor-widget-text-editor\" data-id=\"52ee0406\" 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>Las <b>deducciones fiscales<\/b> se refieren a los gastos que un contribuyente puede <b>\u00abrestar\u00bb de su renta imponible total<\/b> reduciendo, por tanto, la base imponible sobre la que se calcula el impuesto IRPF.<\/p><p>La <b>suma de las cargas deducibles debe restarse de la renta total<\/b>, mientras que el resultado (es decir, la renta imponible) se utilizar\u00e1 para el c\u00e1lculo del IRPF, <b>disminuyendo el tipo fiscal total<\/b> que recae sobre el contribuyente.<\/p>\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-7310d0f elementor-widget elementor-widget-button\" data-id=\"7310d0f\" 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=\"#simulatore\">\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\">Use el simulador para calcular su ahorro fiscal<\/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-d08958f elementor-widget elementor-widget-text-editor\" data-id=\"d08958f\" 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>Recordamos que es posible deducir cada a\u00f1o hasta <b>5.164,57\u20ac<\/b>; tener m\u00e1s fondos de pensiones o aportar para m\u00e1s sujetos a cargo no eleva dicho l\u00edmite, y las eventuales sumas que contribuyan a superar este umbral deben comunicarse prontamente al Fondo ya que no pueden deducirse.<\/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-119484be elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"119484be\" 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<div class=\"elementor-element elementor-element-73240c6 elementor-widget elementor-widget-menu-anchor\" data-id=\"73240c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"simulador\"><\/div>\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-5f601961 e-flex e-con-boxed e-con e-parent\" data-id=\"5f601961\" 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-131a869f e-con-full e-flex e-con e-child\" data-id=\"131a869f\" 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-8730b0e elementor-widget elementor-widget-menu-anchor\" data-id=\"8730b0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"simulatore\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49fc402c elementor-widget elementor-widget-heading\" data-id=\"49fc402c\" 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\">Simule el ahorro fiscal\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-678c0d2 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"678c0d2\" 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<iframe src=\"https:\/\/app.calconic.com\/api\/embed\/calculator\/66f2be950e8589002a4b29f9\" sandbox=\"allow-same-origin allow-forms allow-scripts allow-top-navigation allow-popups-to-escape-sandbox allow-popups\" title=\"Calconic_ Calculator\" name=\"Calconic_ Calculator\" height=\"967px\" scrolling=\"no\" style=\"width: 100%; border: 0; outline: none;\"><\/iframe>\n<script>\n  (function() {\n    function inViewport(element) {\n        var m = 100;\n        var w = window;\n        var r = element.getBoundingClientRect();\n        var wB = w.innerHeight;\n        var wR = w.innerWidth;\n        return ( (0 <= r.top &#038;&#038; wB -m >= r.top) || (0 >= r.top && wB <= r.bottom) || (m <= r.bottom &#038;&#038; wB >= r.bottom) )\n          && ( (0 <= r.left &#038;&#038; wR -m >= r.left) || (0 >= r.left && wR <= r.right) || (m <= r.right &#038;&#038; wR >= r.right) );\n    }\n    \n    var iframes = [];\n    window.addEventListener(\"message\",function(t){\n      var e=\"https:\/\/www.paypalobjects.com\/api\/checkout.4.0.141.js\";\n      if(!document.querySelector('script[src=\"'+e+'\"]')&&t.data&&\"LOAD_PAYPAL\"===t.data.action){\n      var a=document.createElement(\"script\");a.src=e,a.async=!0,a.dataset={paypalCheckout:!0,noBridge:!0,state:\"ppxo_meta\",env:\"production\"},document.body.append(a)\n      }if(t.data&&\"CALCONIC_UPDATE_HEIGHT\"===t.data.action){\n      var l=document.querySelectorAll('iframe[src=\"https:\/\/app.calconic.com\/api\/embed\/calculator\/'+t.data.payload.id+'\"]');\n      for (let i in [...l]) {\n        l[i].height=t.data.payload.height;\n        if (!iframes.includes(l[i])) {\n          iframes.push(l[i]);\n          let intervalId = setInterval(function() {\n            if (inViewport(l[i])) {\n              clearInterval(intervalId);\n              l[i].contentWindow.postMessage({ action: 'IN_VIEWPORT' }, '*');\n            }\n          }, 200);\n        }\n      };}\n    });\n  })();\n<\/script>\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-2490f3fb elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"2490f3fb\" 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-408cf7b e-flex e-con-boxed e-con e-parent\" data-id=\"408cf7b\" 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-b8ae5c6 e-con-full e-flex e-con e-child\" data-id=\"b8ae5c6\" 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-caa24d6 e-con-full e-flex e-con e-child\" data-id=\"caa24d6\" 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-63780f7 e-con-full e-flex e-con e-child\" data-id=\"63780f7\" 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-2b63469 elementor-widget elementor-widget-heading\" data-id=\"2b63469\" 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\">\u00bfQu\u00e9 se puede deducir?\n<\/h3>\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-b20b62f e-con-full e-flex e-con e-child\" data-id=\"b20b62f\" 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-468ce3e e-con-full e-flex e-con e-child\" data-id=\"468ce3e\" 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<div class=\"elementor-element elementor-element-0bac029 e-flex e-con-boxed e-con e-child\" data-id=\"0bac029\" 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-caef0d6 elementor-widget elementor-widget-heading\" data-id=\"caef0d6\" 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\">Contribuci\u00f3n voluntaria del trabajador\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bb6cf0 elementor-widget elementor-widget-text-editor\" data-id=\"0bb6cf0\" 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>La contribuci\u00f3n que se ha elegido aportar directamente desde la n\u00f3mina cada mes.<\/p>\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<div class=\"elementor-element elementor-element-a4c6bd4 e-con-full e-flex e-con e-child\" data-id=\"a4c6bd4\" 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<div class=\"elementor-element elementor-element-1e5956f e-flex e-con-boxed e-con e-child\" data-id=\"1e5956f\" 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-0e3c75e elementor-widget elementor-widget-heading\" data-id=\"0e3c75e\" 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\">Contribuci\u00f3n adicional <br>empresa\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cd9d9e elementor-widget elementor-widget-text-editor\" data-id=\"6cd9d9e\" 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>La contribuci\u00f3n \u00edntegramente a cargo de la empresa que se obtiene aportando la propia contribuci\u00f3n voluntaria.<\/p><p><strong> <\/strong><\/p>\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<div class=\"elementor-element elementor-element-67c2d42 e-con-full e-flex e-con e-child\" data-id=\"67c2d42\" 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<div class=\"elementor-element elementor-element-f42099c e-flex e-con-boxed e-con e-child\" data-id=\"f42099c\" 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-1cb4f99 elementor-widget elementor-widget-heading\" data-id=\"1cb4f99\" 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\">Aportaciones adicionales desde n\u00f3mina\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06fce3f elementor-widget elementor-widget-text-editor\" data-id=\"06fce3f\" 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>Sumas que se solicita a la empresa retener de la n\u00f3mina y aportar directamente a Fondapi.<\/p>\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<div class=\"elementor-element elementor-element-4d1a350 e-con-full e-flex e-con e-child\" data-id=\"4d1a350\" 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-512d1ff e-con-full e-flex e-con e-child\" data-id=\"512d1ff\" 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<div class=\"elementor-element elementor-element-7ccb824 e-flex e-con-boxed e-con e-child\" data-id=\"7ccb824\" 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-2ce6f9b elementor-widget elementor-widget-heading\" data-id=\"2ce6f9b\" 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\">Aportaciones voluntarias \"puntuales\"\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7fef78 elementor-widget elementor-widget-text-editor\" data-id=\"a7fef78\" 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\tTransferencias realizadas desde la propia cuenta corriente a favor de la propia posici\u00f3n en Fondapi.\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 class=\"elementor-element elementor-element-b258844 elementor-button-info elementor-widget elementor-widget-button\" data-id=\"b258844\" 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-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Descubra m\u00e1s<\/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-4d75d36 e-con-full e-flex e-con e-child\" data-id=\"4d75d36\" 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<div class=\"elementor-element elementor-element-6287c58 e-flex e-con-boxed e-con e-child\" data-id=\"6287c58\" 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-c2b5b83 elementor-widget elementor-widget-heading\" data-id=\"c2b5b83\" 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\">Aportaciones a favor de familiares a cargo\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-218ed9c elementor-widget elementor-widget-text-editor\" data-id=\"218ed9c\" 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>Transferencias realizadas desde la propia cuenta corriente a favor de la posici\u00f3n en Fondapi de familiar fiscalmente a cargo.<\/p>\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 class=\"elementor-element elementor-element-f332e6d elementor-button-info elementor-widget elementor-widget-button\" data-id=\"f332e6d\" 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\/adhesion-de-familiares-a-cargo\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Descubra m\u00e1s<\/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\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-354232c1 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"354232c1\" 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-3350cd69 e-flex e-con-boxed e-con e-parent\" data-id=\"3350cd69\" 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-2723c53e e-con-full e-flex e-con e-child\" data-id=\"2723c53e\" 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-2e0b9699 elementor-widget elementor-widget-heading\" data-id=\"2e0b9699\" 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\">Tributaci\u00f3n de los rendimientos\n\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1541151f elementor-widget elementor-widget-text-editor\" data-id=\"1541151f\" 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>Los <b>rendimientos<\/b> obtenidos por el fondo est\u00e1n sujetos a un <b>impuesto sustitutivo del 20%<\/b>, con excepci\u00f3n de los t\u00edtulos p\u00fablicos y equiparados cuyos rendimientos tributan al 12,50%. <\/p><p>Dicha tributaci\u00f3n es inferior respecto a la aplicada a los <b>rendimientos de otros instrumentos financieros<\/b>, que soportan normalmente un <b>impuesto del 26%<\/b>.<\/p>\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-8abb4c3 elementor-widget elementor-widget-jet-table\" data-id=\"8abb4c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper jet-table-responsive-mobile\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-e3b0edc jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-8131c8d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Tributaci\u00f3n acciones<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-b420e8b jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Tributaci\u00f3n obligaciones<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-5e2943a\"><td class=\"jet-table__cell elementor-repeater-item-8f18ce4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Rendimientos de compartimentos Fondapi <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-40f86a4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">20%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-92bfda4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">12,5%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b9daf3c\"><td class=\"jet-table__cell elementor-repeater-item-0d50a96 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Rendimientos de otras inversiones <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-78ff13d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">26%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-188eaa5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">12,5%<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54f80815 elementor-widget elementor-widget-heading\" data-id=\"54f80815\" 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\">Descuento fiscal\nen las liquidaciones de indemnizaci\u00f3n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a96921d elementor-widget elementor-widget-text-editor\" data-id=\"4a96921d\" 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>Los <b>beneficios fiscales<\/b> vinculados a la previsi\u00f3n complementaria afectan tambi\u00e9n a las prestaciones de jubilaci\u00f3n, adem\u00e1s de las prestaciones otorgadas antes de la jubilaci\u00f3n. Estas, de hecho, se benefician de un <b>tratamiento fiscal favorable<\/b> respecto a la tributaci\u00f3n IRPF aplicada por la empresa. <\/p><p>En particular, sobre las <b>contribuciones aportadas desde el 01\/01\/2007<\/b>:<\/p><ul><li aria-level=\"1\">para las prestaciones de jubilaci\u00f3n;<\/li><li aria-level=\"1\">los anticipos para gastos sanitarios;<\/li><li aria-level=\"1\">los rescates parciales al 50%;<\/li><li aria-level=\"1\">los rescates en caso de fallecimiento;<\/li><li aria-level=\"1\">invalidez con reducci\u00f3n de la capacidad laboral a menos de un tercio;<\/li><li aria-level=\"1\">desempleo por un per\u00edodo superior a 48 meses,<\/li><\/ul><p>est\u00e1 previsto un <b>tipo de tributaci\u00f3n del 15% para los primeros 15 a\u00f1os de adhesi\u00f3n al fondo<\/b>; adem\u00e1s, el tipo se <b>reduce un 0,30% por cada a\u00f1o de participaci\u00f3n posterior<\/b> al decimoquinto, hasta un <b>m\u00ednimo del 9%<\/b>.<\/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-4be9681b elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"4be9681b\" 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-7e5fabfe e-flex e-con-boxed e-con e-parent\" data-id=\"7e5fabfe\" 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-1522496d e-con-full e-flex e-con e-child\" data-id=\"1522496d\" 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-4c4d0b22 elementor-widget elementor-widget-heading\" data-id=\"4c4d0b22\" 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\">Ejemplos de descuento fiscal <br>sobre la prestaci\u00f3n de jubilaci\u00f3n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5535c874 elementor-widget elementor-widget-text-editor\" data-id=\"5535c874\" 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>Presentamos a continuaci\u00f3n un ejemplo de trabajador inscrito desde 2007 en Fondapi con una permanencia de 35 a\u00f1os; para facilidad de c\u00e1lculo en la tabla se considera solo la indemnizaci\u00f3n acumulada, sin considerar ni los rendimientos ni las contribuciones de empresa y trabajador.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a1cbc7 e-con-full e-flex e-con e-child\" data-id=\"7a1cbc7\" 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-ba639b3 elementor-widget elementor-widget-heading\" data-id=\"ba639b3\" 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\">Comparaci\u00f3n a 35 a\u00f1os<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6be47e3 elementor-widget elementor-widget-text-editor\" data-id=\"6be47e3\" 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><strong>Cuantificamos los beneficios fiscales de la previsi\u00f3n complementaria:<\/strong><\/p><ul><li>Trabajador inscrito desde hace 35 a\u00f1os<\/li><li>Rescate por jubilaci\u00f3n<\/li><li aria-level=\"1\">Indemnizaci\u00f3n acumulada 85.000 \u20ac, antig\u00fcedad laboral 35 a\u00f1os<\/li><\/ul>\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-7174ea9 elementor-widget elementor-widget-jet-table\" data-id=\"7174ea9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper jet-table-responsive-mobile\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-e3b0edc jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-8131c8d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Inscripci\u00f3n en Fondapi <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-b420e8b jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Indemnizaci\u00f3n acumulada <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a509023 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Tributaci\u00f3n empresa <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-c5fb8cd jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Tributaci\u00f3n Fondapi <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-84c90d1 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Retenci\u00f3n fiscal empresa <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-52fbb64 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> Retenci\u00f3n fiscal Fondapi <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-5f772db jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Ahorro <\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-5e2943a\"><td class=\"jet-table__cell elementor-repeater-item-8f18ce4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Mario<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-40f86a4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-92bfda4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">85.000\u20ac <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-25175f9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-2f3e4e8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">9%  <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-1fe8ff8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-ce13019 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> 7.650\u20ac <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-7976e53 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> 13.058\u20ac <\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b9daf3c\"><td class=\"jet-table__cell elementor-repeater-item-0d50a96 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Luc\u00eda<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-78ff13d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-188eaa5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> 85.000\u20ac <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-b46a347 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">  24,36%  <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-a79737e jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-7384727 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> 20.708\u20ac <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-32c12f8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-87908ee jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> 0\u20ac <\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ead247c elementor-widget elementor-widget-heading\" data-id=\"ead247c\" 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\">Comparaci\u00f3n a 15 a\u00f1os<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-903de06 elementor-widget elementor-widget-text-editor\" data-id=\"903de06\" 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><strong>Cuantificamos los beneficios fiscales de la previsi\u00f3n complementaria:<\/strong><\/p><ul><li>Trabajador inscrito desde hace 15 a\u00f1os<\/li><li>Rescate por jubilaci\u00f3n<\/li><li aria-level=\"1\">Indemnizaci\u00f3n acumulada 37.500 \u20ac, antig\u00fcedad laboral 15 a\u00f1os<\/li><\/ul>\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-9fc1630 elementor-widget elementor-widget-jet-table\" data-id=\"9fc1630\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper jet-table-responsive-mobile\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-e3b0edc jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-8131c8d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Inscripci\u00f3n en Fondapi <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-b420e8b jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Indemnizaci\u00f3n acumulada <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a509023 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Tributaci\u00f3n empresa <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-c5fb8cd jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Tributaci\u00f3n Fondapi <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-84c90d1 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Retenci\u00f3n fiscal empresa <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-52fbb64 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> Retenci\u00f3n fiscal Fondapi <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-5f772db jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Ahorro <\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-5e2943a\"><td class=\"jet-table__cell elementor-repeater-item-8f18ce4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Mario<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-40f86a4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-92bfda4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> 37.500\u20ac <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-25175f9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-2f3e4e8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">  15%  <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-1fe8ff8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-ce13019 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> 5.625\u20ac <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-7976e53 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> 3.625\u20ac <\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b9daf3c\"><td class=\"jet-table__cell elementor-repeater-item-0d50a96 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Luc\u00eda<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-78ff13d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-188eaa5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> 37.500\u20ac <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-b46a347 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">  24,67%  <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-a79737e jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-7384727 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> 9.250\u20ac <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-32c12f8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-87908ee jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> 0\u20ac <\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\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<div class=\"elementor-element elementor-element-5a91b41c e-con-full e-flex e-con e-child\" data-id=\"5a91b41c\" 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-70b37b49 elementor-widget elementor-widget-heading\" data-id=\"70b37b49\" 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\"><span style=\"color: #3997B9\">M\u00e1s beneficios fiscales:<\/span> la tributaci\u00f3n de las dem\u00e1s prestaciones vinculadas a la previsi\u00f3n complementaria<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5683217 elementor-widget elementor-widget-text-editor\" data-id=\"5683217\" 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>Para las <b>dem\u00e1s tipolog\u00edas de prestaciones<\/b> est\u00e1 previsto un <b>tipo de tributaci\u00f3n fijo del 23%<\/b>, de cualquier modo inferior respecto a la tributaci\u00f3n IRPF en empresa que parte del 23% y va subiendo seg\u00fan el importe.<\/p><p>Para los <b>trabajadores que han acumulado contribuciones anteriores al 01\/01\/2007<\/b> la tributaci\u00f3n aplicada es la prevista por el r\u00e9gimen fiscal vigente antes de la entrada en vigor de la ley sobre la indemnizaci\u00f3n de 2007 (D.Lgs. 252\/2007). En particular: <\/p><ol><li aria-level=\"1\">en los casos de <b>rescate a consecuencia del cese de la relaci\u00f3n laboral por causas no dependientes de la voluntad de las partes<\/b> (jubilaci\u00f3n, movilidad, quiebra de la empresa, etc.) y <b>para todas las tipolog\u00edas de anticipo<\/b>, las contribuciones tributan con tipo marginal IRPF en r\u00e9gimen de tributaci\u00f3n separada;<\/li><li aria-level=\"1\">en los casos de <b>rescate a consecuencia del cese de la relaci\u00f3n laboral por causas dependientes de la voluntad de las partes<\/b> (dimisiones, despido individual, fin de contrato temporal, etc.) las contribuciones del 01\/01\/2001 al 31\/12\/2006 tributan con tipo marginal IRPF en r\u00e9gimen de tributaci\u00f3n provisional.<\/li><\/ol><p><br>Fondapi, en cuanto sustituto fiscal, <b>efect\u00faa autom\u00e1ticamente las retenciones previstas<\/b> en fase de otorgamiento de las prestaciones. Estas retenciones son en algunos casos a t\u00edtulo definitivo, en otros casos a t\u00edtulo provisional y necesitan una regularizaci\u00f3n a trav\u00e9s de la declaraci\u00f3n. <\/p>\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-97e76a7 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"97e76a7\" 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\/adhesion-trabajadores\/rescate-del-fondo-de-pensiones\/esquema-de-las-tributaciones-aplicadas-a-las-prestaciones\/\">\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\">Consulte el esquema anal\u00edtico<\/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-bd4f761 elementor-widget elementor-widget-heading\" data-id=\"bd4f761\" 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\">de las tributaciones aplicadas a las prestaciones de Fondapi<\/h6>\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-3403f826 e-flex e-con-boxed e-con e-parent\" data-id=\"3403f826\" 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-4e94d2ff elementor-widget elementor-widget-html\" 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Menos impuestos que pagar Al adherirse a Fondapi disfrutar\u00e1 de los beneficios fiscales vinculados a la previsi\u00f3n complementaria, tanto en la fase de acumulaci\u00f3n como en la de liquidaci\u00f3n. As\u00ed es como Fondapi le ayuda Tambi\u00e9n por lo que respecta a las obligaciones fiscales a cargo del adherente, en comparaci\u00f3n con otras [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61269,"menu_order":11,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-61347","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>Beneficios fiscales - Fondapi<\/title>\n<meta name=\"description\" content=\"Descubra los numerosos beneficios fiscales del fondo de pensiones. 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