{"id":61359,"date":"2024-06-14T14:56:09","date_gmt":"2024-06-14T12:56:09","guid":{"rendered":"https:\/\/www.fondapi.it\/fondapi\/su-pension-complementaria\/"},"modified":"2025-11-28T11:08:15","modified_gmt":"2025-11-28T10:08:15","slug":"su-pension-complementaria","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/es\/fondapi\/su-pension-complementaria\/","title":{"rendered":"Su pensi\u00f3n complementaria"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"61359\" class=\"elementor elementor-61359 elementor-1269\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-653d948 e-flex e-con-boxed e-con e-parent\" data-id=\"653d948\" 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-dc41a10 e-flex e-con-boxed e-con e-child\" data-id=\"dc41a10\" 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-58908fc elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"58908fc\" 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-30db121 elementor-widget elementor-widget-html\" data-id=\"30db121\" 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-256d4b4 e-flex e-con-boxed e-con e-child\" data-id=\"256d4b4\" 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-9257370 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"9257370\" 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\">Fondapi<\/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-fa4006a e-flex e-con-boxed e-con e-parent\" data-id=\"fa4006a\" 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-893b52a e-con-full e-flex e-con e-child\" data-id=\"893b52a\" 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-f26bc70 elementor-widget elementor-widget-heading\" data-id=\"f26bc70\" 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\"><strong>La pensi\u00f3n complementaria es una forma de ahorro para la jubilaci\u00f3n<\/strong>; al sumarse a la pensi\u00f3n del INPS (denominada de primer pilar), constituye una <strong>segunda fuente de ingresos durante la edad de jubilaci\u00f3n<\/strong> y, por lo tanto, representa el segundo pilar del sistema de pensiones italiano.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7481b1 elementor-widget elementor-widget-text-editor\" data-id=\"f7481b1\" 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>El objetivo, dado el progresivo descenso de la prestaci\u00f3n de jubilaci\u00f3n del INPS, es contribuir al <strong>mantenimiento de un nivel de vida adecuado<\/strong> incluso despu\u00e9s de la jubilaci\u00f3n. Dada su funci\u00f3n social, el ahorro se produce en <strong>r\u00e9gimen tutelado<\/strong> y est\u00e1 <strong>fiscalmente bonificado<\/strong>. <\/p><p>Menci\u00f3n especial merece tambi\u00e9n la <strong>R.I.T.A.<\/strong> (Renta Integrativa Temporal Anticipada), que permite al trabajador jubilarse antes de haber alcanzado el requisito de jubilaci\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-f58ae9e e-con-full e-flex e-con e-child\" data-id=\"f58ae9e\" 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-7d86ef4 elementor-widget elementor-widget-image\" data-id=\"7d86ef4\" 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\/pensione-integrativa.webp\" class=\"attachment-full size-full wp-image-60756\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa.webp 1335w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-684x1024.webp 684w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-768x1151.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-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-103b38e elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"103b38e\" 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-f93bf61 e-flex e-con-boxed e-con e-parent\" data-id=\"f93bf61\" 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-ec3cc33 e-con-full e-flex e-con e-child\" data-id=\"ec3cc33\" 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-9e30085 elementor-widget elementor-widget-image\" data-id=\"9e30085\" 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=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/previdenza-complementare.webp\" class=\"attachment-full size-full wp-image-61360\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/previdenza-complementare.webp 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/previdenza-complementare-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/previdenza-complementare-682x1024.webp 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/previdenza-complementare-768x1152.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/previdenza-complementare-1024x1536.webp 1024w\" sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\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-be4738e e-con-full e-flex e-con e-child\" data-id=\"be4738e\" 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-ae44d9d elementor-widget elementor-widget-heading\" data-id=\"ae44d9d\" 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\">C\u00f3mo nace <span style=\"color: #3997B9\">la previsi\u00f3n complementaria<\/span> y la necesidad de una <span style=\"color: #3997B9\">pensi\u00f3n complementaria<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e71ef9 elementor-widget elementor-widget-text-editor\" data-id=\"5e71ef9\" 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>Del sistema retributivo al sistema contributivo.<\/strong><\/p><p>El r\u00e9gimen de pensiones p\u00fablico italiano opera seg\u00fan el sistema de <strong>reparto<\/strong>: esto significa que <strong>las pensiones de hoy se pagan con las cotizaciones de los trabajadores actualmente en activo<\/strong>; sus pensiones ser\u00e1n pagadas, a su vez, por los futuros trabajadores activos: es el llamado <strong>\u201cpacto intergeneracional\u201d<\/strong>, activo desde los a\u00f1os 70.<\/p><p>La <strong>evoluci\u00f3n demogr\u00e1fica italiana<\/strong>, caracterizada por una constante <strong>disminuci\u00f3n de los nacimientos<\/strong> y por el <strong>aumento de la edad media<\/strong>, ha, por un lado, <strong>disminuido el n\u00famero de trabajadores<\/strong>, y por otro, <strong>aumentado el n\u00famero de personas con derecho a pensi\u00f3n<\/strong>. Inevitablemente, se ha creado un <strong>notable d\u00e9ficit en el presupuesto del Estado italiano<\/strong>, obligado a endeudarse para pagar las pensiones. <\/p><p>A lo largo de los a\u00f1os se han introducido <strong>numerosas reformas del sistema de pensiones<\/strong> que, aun habiendo garantizado su <strong>sostenibilidad econ\u00f3mica<\/strong>, al mismo tiempo han ido <strong>erosionando cada vez m\u00e1s la prestaci\u00f3n de jubilaci\u00f3n<\/strong> de los futuros pensionistas; el paso al <strong>sistema contributivo<\/strong>, que penaliza en mayor medida el importe de la pensi\u00f3n, se produjo precisamente por este motivo.<\/p><p>La previsi\u00f3n complementaria se ha dise\u00f1ado como <strong>apoyo<\/strong> de la previsi\u00f3n obligatoria. Se trata de un sistema que se puede aplicar de forma voluntaria y que permite obtener una <strong>pensi\u00f3n complementaria<\/strong>, con el objetivo de garantizar un nivel de vida futuro adecuado.<br>Adem\u00e1s, el legislador ha introducido la <strong>posibilidad de recurrir a las sumas acumuladas tambi\u00e9n para necesidades particulares<\/strong> que puedan surgir durante la carrera y la vida de una persona: por ejemplo, es posible solicitar <strong>anticipos<\/strong> al verificarse algunas condiciones, o bien <strong>rescates totales o parciales<\/strong> al verificarse otras. <\/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-5060ca7 elementor-widget elementor-widget-button\" data-id=\"5060ca7\" 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\/calculo-de-la-pension\/\">\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\">Simule su pensi\u00f3n complementaria<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bdd98a elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"6bdd98a\" 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-319a0f2 e-flex e-con-boxed e-con e-parent\" data-id=\"319a0f2\" 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-c1c1239 e-con-full e-flex e-con e-child\" data-id=\"c1c1239\" 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-8fdd7a5 elementor-widget elementor-widget-heading\" data-id=\"8fdd7a5\" 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\">C\u00f3mo se constituye <br><span style=\"color: #3997B9\">la pensi\u00f3n complementaria<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6bdeb0 elementor-widget elementor-widget-text-editor\" data-id=\"b6bdeb0\" 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 fondos de pensiones operan en los mercados financieros seg\u00fan el mecanismo de la <strong>\u201ccapitalizaci\u00f3n\u201d<\/strong>: a trav\u00e9s de las empresas y los trabajadores <strong>recogen las contribuciones<\/strong> a plazos prefijados y las invierten seg\u00fan la <strong>l\u00ednea de gesti\u00f3n (compartimento)<\/strong> elegida por el adherente.<\/p><p>Al alcanzar el requisito de jubilaci\u00f3n, el <strong>capital acumulado<\/strong> (dado por la suma de las contribuciones realizadas y de los rendimientos obtenidos) se <strong>entrega en forma de pensi\u00f3n complementaria<\/strong> en capital; la liquidaci\u00f3n puede, en concreto, ser abonada en un \u00fanico tramo o en renta (se habla en este caso de liquidaci\u00f3n en cuotas).<\/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-e57f9b9 e-flex e-con-boxed e-con e-parent\" data-id=\"e57f9b9\" 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-43a5679 e-con-full e-flex e-con e-child\" data-id=\"43a5679\" 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-59a5b5f elementor-widget elementor-widget-heading\" data-id=\"59a5b5f\" 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\">Las tipolog\u00edas de fondos de pensiones\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94cb371 elementor-widget elementor-widget-text-editor\" data-id=\"94cb371\" 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>El fondo de pensiones, como su nombre indica, es el instrumento ideado y pensado para construirse la pensi\u00f3n complementaria.<br>En Italia existen <strong>tres tipolog\u00edas diferentes de fondo de pensiones<\/strong>: estas son cu\u00e1les son y c\u00f3mo elegir la m\u00e1s adecuada para sus necesidades.<\/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-8a09fa7 e-con-full e-flex e-con e-child\" data-id=\"8a09fa7\" 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-37b8b1c e-con-full e-flex e-con e-child\" data-id=\"37b8b1c\" 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-805b7e7 e-flex e-con-boxed e-con e-child\" data-id=\"805b7e7\" 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-e84122b elementor-widget elementor-widget-heading\" data-id=\"e84122b\" 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\">Fondos de pensiones de negociaci\u00f3n colectiva (o cerrados)<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad46ad8 elementor-widget elementor-widget-text-editor\" data-id=\"ad46ad8\" 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 estos se encuentra <strong>Fondapi<\/strong>: la adhesi\u00f3n a estos fondos est\u00e1 <strong>reservada exclusivamente a categor\u00edas espec\u00edficas<\/strong> de trabajadores y nace del <strong>acuerdo entre asociaciones de categor\u00eda<\/strong> y <strong>representaciones de los trabajadores<\/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-466c098 e-con-full e-flex e-con e-child\" data-id=\"466c098\" 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-daa4db6 e-flex e-con-boxed e-con e-child\" data-id=\"daa4db6\" 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-62af6bf elementor-widget elementor-widget-heading\" data-id=\"62af6bf\" 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\">Fondos de pensiones abiertos<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a60dda elementor-widget elementor-widget-text-editor\" data-id=\"6a60dda\" 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>Como su nombre indica, la adhesi\u00f3n a esta tipolog\u00eda est\u00e1 abierta a todos aquellos que pretenden construirse una pensi\u00f3n complementaria, independientemente de la categor\u00eda del contrato de trabajo; son <strong>establecidos principalmente por bancos y por sociedades de seguros<\/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-71092a8 e-con-full e-flex e-con e-child\" data-id=\"71092a8\" 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-ba6ca72 e-flex e-con-boxed e-con e-child\" data-id=\"ba6ca72\" 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-b6d0c4f elementor-widget elementor-widget-heading\" data-id=\"b6d0c4f\" 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\">PIP (Planes Individuales 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-ffcb05e elementor-widget elementor-widget-text-editor\" data-id=\"ffcb05e\" 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>Est\u00e1n dirigidos a todos aquellos que, independientemente de su situaci\u00f3n laboral, pretenden construirse una pensi\u00f3n complementaria; adem\u00e1s, son <strong>establecidos \u00fanicamente por compa\u00f1\u00edas de seguros<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-94af488 e-con-full e-flex e-con e-child\" data-id=\"94af488\" 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-c510d74 elementor-widget elementor-widget-button\" data-id=\"c510d74\" 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\/fondapi\/que-es-fondapi\/\">\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\">Descubra qui\u00e9n puede adherirse<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-989a13d e-flex e-con-boxed e-con e-parent\" data-id=\"989a13d\" 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-c26edc6 e-con-full e-flex e-con e-child\" data-id=\"c26edc6\" 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-1b1fdd6 elementor-widget elementor-widget-text-editor\" data-id=\"1b1fdd6\" 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 diferencia entre estas tipolog\u00edas de fondos est\u00e1 principalmente relacionada con su <strong>coste<\/strong>; los fondos de pensiones de negociaci\u00f3n colectiva (vinculados al CCNL) tienen, de media, <strong>costes inferiores<\/strong> a las otras dos tipolog\u00edas: esto se debe a que, seg\u00fan sus estatutos, son <strong>sociedades <em>sin \u00e1nimo de lucro<\/em><\/strong>, es decir, que <strong>no deben generar beneficios ni remunerar a los accionistas<\/strong>.<\/p><p>Al mismo tiempo, los <strong>costes relacionados con la promoci\u00f3n del Fondo<\/strong> son <strong>escasos<\/strong> y los <strong>sujetos comprometidos<\/strong> en la promoci\u00f3n en el territorio son los <strong>sindicatos<\/strong>.<\/p><p>Por \u00faltimo, la \u00faltima gran diferencia es la composici\u00f3n del <strong>Consejo de Administraci\u00f3n<\/strong> (CdA): en los fondos de categor\u00eda, este est\u00e1 compuesto a partes iguales por representantes de los trabajadores (CGIL, CISL y UIL) y representantes de las empresas (CONFAPI en el caso de Fondapi).<\/p><p>En la imagen mostramos el <strong>\u00cdndice Sint\u00e9tico de los Costes medio<\/strong> (ISC) de las diversas formas de pensiones complementarias. La 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.<\/p><p>El ISC de Fondapi comparado con la media de coste de los otros fondos cerrados, abiertos y PIP<br>La imagen muestra exhaustivamente todos los costes de Fondapi. Se puede encontrar un <strong>mayor detalle<\/strong> sobre los costes de las operaciones o prestaciones en la <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/documenti\/i-costi\/\">Ficha \u201cLos costes\u201d<\/a><\/strong><\/span>. <\/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-afdd575 e-con-full e-flex e-con e-child\" data-id=\"afdd575\" 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-72057d0 elementor-widget elementor-widget-image\" data-id=\"72057d0\" 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=\"637\" height=\"425\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2025\/06\/isc-2025.png\" class=\"attachment-full size-full wp-image-61361\" alt=\"\" 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\" \/>\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-9406d0c elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"9406d0c\" 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-e9c368d e-flex e-con-boxed e-con e-parent\" data-id=\"e9c368d\" 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-f323047 e-con-full e-flex e-con e-child\" data-id=\"f323047\" 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-8810a95 elementor-widget elementor-widget-heading\" data-id=\"8810a95\" 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\">Los <span style=\"color: #3997B9\">beneficios de la adhesi\u00f3n<\/span> 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-5b13b6c elementor-widget elementor-widget-text-editor\" data-id=\"5b13b6c\" 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 una lista exhaustiva de los beneficios relacionados con la previsi\u00f3n complementaria, le invitamos a consultar la p\u00e1gina relativa a las ventajas, <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/es\/como-funciona\/adhesion-trabajadores\/\">disponible aqu\u00ed<\/a><\/strong><\/span>.<\/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-150b47b e-con-full e-flex e-con e-child\" data-id=\"150b47b\" 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-91d66a7 e-con-full e-flex e-con e-child\" data-id=\"91d66a7\" 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-1f27759 e-flex e-con-boxed e-con e-child\" data-id=\"1f27759\" 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-a09c2a5 elementor-widget elementor-widget-heading\" data-id=\"a09c2a5\" 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<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db135ec elementor-widget elementor-widget-text-editor\" data-id=\"db135ec\" 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>Deducibilidad de las contribuciones ingresadas a la previsi\u00f3n complementaria hasta <strong>5164,57 \u20ac anuales<\/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-9ee6cf5 e-con-full e-flex e-con e-child\" data-id=\"9ee6cf5\" 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-13788a0 e-flex e-con-boxed e-con e-child\" data-id=\"13788a0\" 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-b3e99c7 elementor-widget elementor-widget-heading\" data-id=\"b3e99c7\" 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<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9930d67 elementor-widget elementor-widget-text-editor\" data-id=\"9930d67\" 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>Tributaci\u00f3n IRPF del TFR y de las contribuciones<\/strong> ingresadas al fondo de pensiones <strong>de favor<\/strong>, equivalente como m\u00e1ximo al 23% para rescates antes de la jubilaci\u00f3n, y <strong>entre el 15% y el 9%<\/strong> (en funci\u00f3n de la antig\u00fcedad de inscripci\u00f3n) para <strong>liquidaciones consiguientes a la jubilaci\u00f3n<\/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 class=\"elementor-element elementor-element-83251b5 elementor-button-info elementor-widget elementor-widget-button\" data-id=\"83251b5\" 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\/beneficios-fiscales\/\">\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 los beneficios fiscales<\/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-34452a1 e-con-full e-flex e-con e-child\" data-id=\"34452a1\" 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-e9ec360 e-flex e-con-boxed e-con e-child\" data-id=\"e9ec360\" 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-4bcbce0 elementor-widget elementor-widget-heading\" data-id=\"4bcbce0\" 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 empresarial<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-269bb15 elementor-widget elementor-widget-text-editor\" data-id=\"269bb15\" 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>Contribuci\u00f3n empresarial: consiste en un pago por parte de la empresa de una <strong>contribuci\u00f3n adicional<\/strong> totalmente a su cargo; dicho pago corresponde por derecho al trabajador solo en caso de adhesi\u00f3n a fondos de negociaci\u00f3n colectiva y de pago de la contribuci\u00f3n de la n\u00f3mina a su propio cargo.<\/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-248e674 elementor-button-info elementor-align-right elementor-widget elementor-widget-button\" data-id=\"248e674\" 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\/\" target=\"_blank\" rel=\"nofollow\">\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 cu\u00e1nto puede tener<\/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<div class=\"elementor-element elementor-element-f255006 e-con-full e-flex e-con e-child\" data-id=\"f255006\" 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-eb1d01b e-flex e-con-boxed e-con e-child\" data-id=\"eb1d01b\" 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-8714633 elementor-widget elementor-widget-heading\" data-id=\"8714633\" 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\">Anticipos<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-add89b8 elementor-widget elementor-widget-text-editor\" data-id=\"add89b8\" 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>Posibilidad de solicitar <strong>anticipos<\/strong> o bien <strong>rescates parciales o totales<\/strong> al verificarse algunas condiciones determinadas.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a8dc1e1 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"a8dc1e1\" 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-b515604 e-flex e-con-boxed e-con e-parent\" data-id=\"b515604\" 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-f2e1745 e-con-full e-flex e-con e-child\" data-id=\"f2e1745\" 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-1678fea elementor-widget elementor-widget-heading\" data-id=\"1678fea\" 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\">Las inversiones y la gesti\u00f3n financiera<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6653530 elementor-widget elementor-widget-text-editor\" data-id=\"6653530\" 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>En el momento de la adhesi\u00f3n, el trabajador es libre de elegir el <strong>compartimento de inversi\u00f3n<\/strong> que mejor se adapte a su <strong>perfil personal<\/strong>.<br>La gesti\u00f3n de Fondapi, orientada hacia una <strong>pol\u00edtica de sostenibilidad de la inversi\u00f3n<\/strong>, prev\u00e9 tres l\u00edneas.<\/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-acb477b e-con-full e-flex e-con e-child\" data-id=\"acb477b\" 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-14657fb e-con-full e-flex e-con e-child\" data-id=\"14657fb\" 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-63b83db e-flex e-con-boxed e-con e-child\" data-id=\"63b83db\" 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-21c516a elementor-widget elementor-widget-heading\" data-id=\"21c516a\" 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\">Crecimiento<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb09a57 elementor-widget elementor-widget-text-editor\" data-id=\"fb09a57\" 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\tUn compartimento equilibrado, en el que los t\u00edtulos de renta variable y de renta fija tienen el mismo peso.\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-37be217 elementor-button-info elementor-align-right elementor-widget elementor-widget-button\" data-id=\"37be217\" 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\/compartimentos-y-rendimientos\/compartimento-crecimiento\/\" target=\"_blank\" rel=\"nofollow\">\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\">Vaya al compartimento<\/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<div class=\"elementor-element elementor-element-14acd5d e-con-full e-flex e-con e-child\" data-id=\"14acd5d\" 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-38606e5 e-flex e-con-boxed e-con e-child\" data-id=\"38606e5\" 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-942da77 elementor-widget elementor-widget-heading\" data-id=\"942da77\" 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\">Prudente<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42c711d elementor-widget elementor-widget-text-editor\" data-id=\"42c711d\" 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>Un compartimento con predominio de t\u00edtulos de renta fija.<\/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-e810ab9 elementor-button-info elementor-align-right elementor-widget elementor-widget-button\" data-id=\"e810ab9\" 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\/compartimentos-y-rendimientos\/compartimento-prudente\/\" target=\"_blank\" rel=\"nofollow\">\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\">Vaya al compartimento<\/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<div class=\"elementor-element elementor-element-3db889d e-con-full e-flex e-con e-child\" data-id=\"3db889d\" 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-2d6102a e-flex e-con-boxed e-con e-child\" data-id=\"2d6102a\" 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-9051970 elementor-widget elementor-widget-heading\" data-id=\"9051970\" 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\">Garant\u00eda<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef8e4ea elementor-widget elementor-widget-text-editor\" data-id=\"ef8e4ea\" 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>Un compartimento compuesto en un 90% por t\u00edtulos de renta fija, con la presencia de una garant\u00eda de seguro que, en caso de rendimientos negativos, permite obtener sumas iguales al menos a lo ingresado.<\/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-d579be7 elementor-button-info elementor-align-right elementor-widget elementor-widget-button\" data-id=\"d579be7\" 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\/compartimentos-y-rendimientos\/compartimento-garantia\/\" target=\"_blank\" rel=\"nofollow\">\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\">vaya al compartimento<\/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<div class=\"elementor-element elementor-element-3d576f8 e-con-full e-flex e-con e-child\" data-id=\"3d576f8\" 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-2913e38 elementor-widget elementor-widget-text-editor\" data-id=\"2913e38\" 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 margen de la propensi\u00f3n al riesgo, que var\u00eda de un sujeto a otro, la teor\u00eda relacionada con la elecci\u00f3n del compartimento se basa en el <strong>horizonte temporal de la inversi\u00f3n: cuanto m\u00e1s largo es el horizonte, m\u00e1s se aconseja<\/strong>, durante la fase de acumulaci\u00f3n, <strong>orientarse hacia compartimentos con mayor componente de renta variable<\/strong>, para luego pasar a compartimentos menos de renta variable cerca de la jubilaci\u00f3n.<\/p><p>Para obtener m\u00e1s informaci\u00f3n sobre los <strong>compartimentos de inversi\u00f3n<\/strong> y sobre los <strong>rendimientos que se pueden obtener, lea el an\u00e1lisis en profundidad<\/strong> disponible <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/vantaggi\/rendimenti\">haciendo clic aqu\u00ed<\/a><\/strong><\/span>.<\/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-d35efdf e-flex e-con-boxed e-con e-parent\" data-id=\"d35efdf\" 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-de9430a elementor-widget elementor-widget-html\" data-id=\"de9430a\" 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-a668ded e-flex e-con-boxed e-con e-parent\" data-id=\"a668ded\" 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-c3693b0 elementor-widget elementor-widget-heading\" data-id=\"c3693b0\" 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\">\u00a1Hable con uno de nuestros expertos!<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c1c003 elementor-widget elementor-widget-heading\" 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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<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-volume\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M97.333 506.966c-129.874-129.874-129.681-340.252 0-469.933 5.698-5.698 14.527-6.632 21.263-2.422l64.817 40.513a17.187 17.187 0 0 1 6.849 20.958l-32.408 81.021a17.188 17.188 0 0 1-17.669 10.719l-55.81-5.58c-21.051 58.261-20.612 122.471 0 179.515l55.811-5.581a17.188 17.188 0 0 1 17.669 10.719l32.408 81.022a17.188 17.188 0 0 1-6.849 20.958l-64.817 40.513a17.19 17.19 0 0 1-21.264-2.422zM247.126 95.473c11.832 20.047 11.832 45.008 0 65.055-3.95 6.693-13.108 7.959-18.718 2.581l-5.975-5.726c-3.911-3.748-4.793-9.622-2.261-14.41a32.063 32.063 0 0 0 0-29.945c-2.533-4.788-1.65-10.662 2.261-14.41l5.975-5.726c5.61-5.378 14.768-4.112 18.718 2.581zm91.787-91.187c60.14 71.604 60.092 175.882 0 247.428-4.474 5.327-12.53 5.746-17.552.933l-5.798-5.557c-4.56-4.371-4.977-11.529-.93-16.379 49.687-59.538 49.646-145.933 0-205.422-4.047-4.85-3.631-12.008.93-16.379l5.798-5.557c5.022-4.813 13.078-4.394 17.552.933zm-45.972 44.941c36.05 46.322 36.108 111.149 0 157.546-4.39 5.641-12.697 6.251-17.856 1.304l-5.818-5.579c-4.4-4.219-4.998-11.095-1.285-15.931 26.536-34.564 26.534-82.572 0-117.134-3.713-4.836-3.115-11.711 1.285-15.931l5.818-5.579c5.159-4.947 13.466-4.337 17.856 1.304z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00a1Reserve 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\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-160d3e3 e-flex e-con-boxed e-con e-parent\" data-id=\"160d3e3\" 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-a861584 e-con-full e-flex e-con e-child\" data-id=\"a861584\" 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-c90168e elementor-widget elementor-widget-heading\" data-id=\"c90168e\" 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\">La entrega: dos tipolog\u00edas de <span style=\"color: #3997B9\">pensi\u00f3n complementaria<\/span>\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b38d07 elementor-widget elementor-widget-text-editor\" data-id=\"5b38d07\" 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><span style=\"font-weight: 400;\">Antes de hablar de pensi\u00f3n complementaria, es necesario distinguir entre:<\/span><\/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-bc534e5 e-con-full e-flex e-con e-child\" data-id=\"bc534e5\" 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-464d474 e-con-full e-flex e-con e-child\" data-id=\"464d474\" 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-162cc9d e-flex e-con-boxed e-con e-child\" data-id=\"162cc9d\" 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-e019436 elementor-widget elementor-widget-heading\" data-id=\"e019436\" 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\">Prestaciones en capital<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ba0a77 elementor-widget elementor-widget-text-editor\" data-id=\"4ba0a77\" 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>Son liquidaciones realizadas por el fondo de pensiones que se concretan con <strong>una sola liquidaci\u00f3n<\/strong>, sin ning\u00fan fraccionamiento de los importes en el tiempo; es el caso de los <strong>anticipos<\/strong>, de los <strong>rescates<\/strong> pero tambi\u00e9n de much\u00edsimas <strong>liquidaciones por jubilaci\u00f3n<\/strong> que son liquidadas por Fondapi en unos 70-80 d\u00edas.<\/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-f17c3ca elementor-button-info elementor-widget elementor-widget-button\" data-id=\"f17c3ca\" 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\/\" target=\"_blank\" rel=\"nofollow\">\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\">Consulte las prestaciones<\/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<div class=\"elementor-element elementor-element-b25b684 e-con-full e-flex e-con e-child\" data-id=\"b25b684\" 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-02fe19b e-flex e-con-boxed e-con e-child\" data-id=\"02fe19b\" 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-d6a8cec elementor-widget elementor-widget-heading\" data-id=\"d6a8cec\" 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\">Prestaciones en renta<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7a3f82 elementor-widget elementor-widget-text-editor\" data-id=\"c7a3f82\" 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>Son las <strong>pensiones complementarias<\/strong>, es decir, <strong>liquidaciones peri\u00f3dicas<\/strong> que se abonan a favor de quien se ha adherido a Fondapi; es el caso de algunas <strong>liquidaciones por jubilaci\u00f3n<\/strong> que se abonan durante toda la vida del trabajador y de la <strong>RITA<\/strong> (Renta integrativa temporal anticipada): una renta que pueden solicitar los trabajadores pr\u00f3ximos a la jubilaci\u00f3n, pero que se han quedado sin trabajo, y que deja de abonarse al alcanzar los requisitos de jubilaci\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-c466c4a elementor-button-info elementor-align-left elementor-widget elementor-widget-button\" data-id=\"c466c4a\" 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\/prestacion-de-pension-en-forma-de-renta\/\" target=\"_blank\" rel=\"nofollow\">\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 las rentas disponibles<\/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<div class=\"elementor-element elementor-element-5bbfb49 e-con-full e-flex e-con e-child\" data-id=\"5bbfb49\" 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-0803112 elementor-widget elementor-widget-text-editor\" data-id=\"0803112\" 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 <strong>pensi\u00f3n complementaria<\/strong> puede consistir en una <strong>prestaci\u00f3n en renta<\/strong> que se <strong>abona peri\u00f3dicamente al pensionista<\/strong> mientras est\u00e9 con vida. Exactamente igual que ocurre con la pensi\u00f3n de base (por ejemplo, la del INPS). <\/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-71e28b9 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"71e28b9\" 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-9c68abc e-flex e-con-boxed e-con e-parent\" data-id=\"9c68abc\" 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-3845701 e-con-full e-flex e-con e-child\" data-id=\"3845701\" 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-f93c5eb elementor-widget elementor-widget-heading\" data-id=\"f93c5eb\" 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\">\u00bfLa pensi\u00f3n complementaria en renta es <span style=\"color: #3997B9\">siempre obligatoria<\/span>?<\/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-8c280a1 e-con-full e-flex e-con e-child\" data-id=\"8c280a1\" 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-7abc477 elementor-widget elementor-widget-text-editor\" data-id=\"7abc477\" 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 respuesta es no. <strong>La renta es obligatoria solo para aquellos que han acumulado posiciones contributivas m\u00e1s elevadas<\/strong>. Es necesario comparar el ahorro para la jubilaci\u00f3n acumulado con los importes indicados en la <strong>tabla de los valores umbral<\/strong>, disponible <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/es\/como-funciona\/adhesion-trabajadores\/rescate-del-fondo-de-pensiones\/tabla-de-umbrales-de-rescate-por-jubilacion\/\" target=\"_blank\" rel=\"noopener\">haciendo clic aqu\u00ed<\/a><\/strong><\/span>. Dichos importes difieren en funci\u00f3n de:  <\/p><ul><li>del g\u00e9nero del adherente;<\/li><li>de la edad del adherente sujeto que solicita la liquidaci\u00f3n;<\/li><li>del valor de la asignaci\u00f3n social, cuyo rec\u00e1lculo es anual.<\/li><\/ul><p>En consecuencia, tambi\u00e9n los <strong>valores umbral se recalcular\u00e1n anualmente<\/strong> y sufrir\u00e1n variaciones de entidad, sin embargo, insignificante. En concreto, si la suma acumulada es <strong>inferior<\/strong> con respecto al <strong>valor umbral<\/strong>, el pensionista ser\u00e1 libre de recibir <strong>toda la liquidaci\u00f3n en capital<\/strong>, sin ning\u00fan fraccionamiento (prestaci\u00f3n en capital, ninguna renta); si, en cambio, la suma acumulada es superior al valor umbral, el pensionista tendr\u00e1 la obligaci\u00f3n de convertir al menos la mitad en renta, que se convertir\u00e1, por lo tanto, en una pensi\u00f3n complementaria. <\/p><p><strong>Fondapi no abona solo pensiones complementarias<\/strong>; existen tambi\u00e9n muchas <strong>otras prestaciones<\/strong>, entre ellas:<\/p><ul><li><strong>anticipos<\/strong> para gastos sanitarios, para la compra o reforma de la primera vivienda y para otras necesidades que no es necesario justificar;<\/li><li><strong>rescates totales y parciales<\/strong>, por ejemplo, a ra\u00edz de una dimisi\u00f3n o un despido;<\/li><li><strong>liquidaciones<\/strong> por jubilaci\u00f3n en capital.<\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2202b00 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"2202b00\" 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-23d7bb1 e-flex e-con-boxed e-con e-parent\" data-id=\"23d7bb1\" 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-011f293 e-con-full e-flex e-con e-child\" data-id=\"011f293\" 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;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e832339 elementor-widget elementor-widget-heading\" data-id=\"e832339\" 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\">Personalice las cuotas y la frecuencia<\/span> de su pensi\u00f3n complementaria<\/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-4efee34 e-con-full e-flex e-con e-child\" data-id=\"4efee34\" 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-7bc049b elementor-widget elementor-widget-text-editor\" data-id=\"7bc049b\" 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>En el momento de la adquisici\u00f3n del derecho a la pensi\u00f3n, el adherente que quiera o tenga la obligaci\u00f3n de solicitar la renta, deber\u00e1 elegir:<\/p><ul><li>la <strong>frecuencia de abono de la renta<\/strong>, es decir, cada cu\u00e1nto tiempo recibir la pensi\u00f3n complementaria;<\/li><li>la <strong>renta m\u00e1s adecuada para sus necesidades<\/strong> entre las seis tipolog\u00edas diferentes ofrecidas por Fondapi, cada una con condiciones y garant\u00edas diferentes.<\/li><\/ul><p><span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/es\/como-funciona\/adhesion-trabajadores\/rescate-del-fondo-de-pensiones\/prestacion-de-pension-en-forma-de-renta\/\" target=\"_blank\" rel=\"noopener\">Haciendo clic aqu\u00ed<\/a><\/strong><\/span> es posible consultar las <strong>diferentes tipolog\u00edas de rentas<\/strong>, las <strong>frecuencias de abonos<\/strong> y algunos <strong>ejemplos de renta<\/strong>.<\/p><p>Para hacer algunas proyecciones de sus propios ingresos en edad de jubilaci\u00f3n, es posible utilizar los dos instrumentos que se muestran a continuaci\u00f3n:<\/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-b75fb8e e-con-full e-flex e-con e-child\" data-id=\"b75fb8e\" 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-56bc02b e-flex e-con-boxed e-con e-child\" data-id=\"56bc02b\" 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-e78c480 elementor-widget elementor-widget-heading\" data-id=\"e78c480\" 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\">Simulador 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-d8b840d elementor-widget elementor-widget-text-editor\" data-id=\"d8b840d\" 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\tEl simulador de pensiones, que ayuda a hacer una proyecci\u00f3n de la pensi\u00f3n de base y de la cobertura de la pensi\u00f3n complementaria.\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-cfddd3e elementor-button-info elementor-widget elementor-widget-button\" data-id=\"cfddd3e\" 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:\/\/funds.previnet.it\/fondapi-w-psimula\/previdenziale.html#\/previdenziale\" target=\"_blank\" rel=\"nofollow\">\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\">Haga su simulaci\u00f3n<\/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-77baed6 e-con-full e-flex e-con e-child\" data-id=\"77baed6\" 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-f2c5b62 e-flex e-con-boxed e-con e-child\" data-id=\"f2c5b62\" 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-fe613af elementor-widget elementor-widget-heading\" data-id=\"fe613af\" 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\">Motor de c\u00e1lculo de la renta<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52c6b6b elementor-widget elementor-widget-text-editor\" data-id=\"52c6b6b\" 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\tEl motor de c\u00e1lculo de la renta para cuantificar el importe de la pensi\u00f3n complementaria sobre la base de las diferentes tipolog\u00edas de renta.\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-ecf9108 elementor-button-info elementor-widget elementor-widget-button\" data-id=\"ecf9108\" 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:\/\/prestazioni.mefop.it\/assofondi2019\" target=\"_blank\" rel=\"nofollow\">\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\">Calcule su renta<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-146986f elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"146986f\" 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-5d4f664 e-flex e-con-boxed e-con e-parent\" data-id=\"5d4f664\" 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-d5227d7 e-con-full e-flex e-con e-child\" data-id=\"d5227d7\" 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-d34f6eb elementor-widget elementor-widget-heading\" data-id=\"d34f6eb\" 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\">Las <span style=\"color: #3997B9\">tutelas<\/span> de los adherentes\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b54101 elementor-widget elementor-widget-text-editor\" data-id=\"0b54101\" 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>Lo ingresado y acumulado en el fondo de pensiones <strong>est\u00e1 fuertemente tutelado<\/strong>: en particular, los recursos ingresados son <strong>inembargables<\/strong>, <strong>no se pueden secuestrar<\/strong> y <strong>no se pueden tocar<\/strong> incluso en caso de cierre o quiebra del fondo de pensiones; en este \u00faltimo caso, las posiciones de los adherentes se liquidan o se transfieren a otro fondo de pensiones.<\/p><p>Otra tutela importante es que, en caso de <strong>fallecimiento antes de la pensi\u00f3n complementaria<\/strong>, <strong>lo acumulado<\/strong> hasta ese momento <strong>corresponde a los herederos u otros sujetos eventualmente indicados<\/strong>, sin ning\u00fan impuesto de sucesi\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-1bf8874 e-flex e-con-boxed e-con e-parent\" data-id=\"1bf8874\" 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-6cb4daf2 elementor-widget elementor-widget-html\" data-id=\"6cb4daf2\" 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-6578c11 e-flex e-con-boxed e-con e-parent\" data-id=\"6578c11\" 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-8311b73 elementor-widget elementor-widget-heading\" data-id=\"8311b73\" 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\">\u00bfSe acerca la 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-7530698 elementor-widget elementor-widget-text-editor\" data-id=\"7530698\" 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>Si le faltan <strong>menos de 6 meses para la jubilaci\u00f3n<\/strong> y desea ser contactado por Fondapi para una <strong>asesor\u00eda personalizada<\/strong>, escriba un correo electr\u00f3nico a <span style=\"text-decoration: underline; color: #ffffff;\"><strong><a style=\"color: #ffffff; text-decoration: underline;\" href=\"mailto:pensione@fondapi.it\">pensione@fondapi.it<\/a><\/strong><\/span> indicando su nombre y un n\u00famero de tel\u00e9fono: \u00a1nos pondremos en contacto con usted lo antes posible!<\/p><p>O bien, haga clic en el bot\u00f3n de abajo y descubra todas las formas de ponerse en contacto con nosotros.<\/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-e124a74 e-flex e-con-boxed e-con e-child\" data-id=\"e124a74\" 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-ead8c6f elementor-widget elementor-widget-button\" data-id=\"ead8c6f\" 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\/supporto\/contatti-e-appuntamenti\/\">\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\">Cont\u00e1ctenos 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\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","protected":false},"excerpt":{"rendered":"<p>Home Fondapi La pensi\u00f3n complementaria es una forma de ahorro para la jubilaci\u00f3n; al sumarse a la pensi\u00f3n del INPS (denominada de primer pilar), constituye una segunda fuente de ingresos durante la edad de jubilaci\u00f3n y, por lo tanto, representa el segundo pilar del sistema de pensiones italiano. El objetivo, dado el progresivo descenso de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61256,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-61359","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Su pensi\u00f3n complementaria - Fondapi<\/title>\n<meta name=\"description\" content=\"Construya su pensi\u00f3n complementaria con Fondapi: seguridad, ventajas fiscales y rentas personalizadas para su futuro\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fondapi.it\/es\/fondapi\/su-pension-complementaria\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Su pensi\u00f3n complementaria - 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