{"id":406,"date":"2018-10-10T10:50:08","date_gmt":"2018-10-10T08:50:08","guid":{"rendered":"http:\/\/landing.mutua-enginyers.com\/?page_id=406"},"modified":"2025-11-27T18:19:28","modified_gmt":"2025-11-27T16:19:28","slug":"estalvi-plansdepensions","status":"publish","type":"page","link":"https:\/\/landing.mutua-enginyers.com\/index.php\/estalvi-plansdepensions\/","title":{"rendered":"004-Estalvi_PlansDePensions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"406\" class=\"elementor elementor-406\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-09c8e61 elementor-section-height-min-height elementor-section-items-top elementor-section-full_width elementor-section-height-default\" data-id=\"09c8e61\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6187575\" data-id=\"6187575\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-03c9eed\" data-id=\"03c9eed\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bbb893b elementor-widget elementor-widget-menu-anchor\" data-id=\"bbb893b\" 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=\"form\"><\/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-37a81f1 elementor-button-align-end elementor-widget elementor-widget-form\" data-id=\"37a81f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Pensions\" aria-label=\"Pensions\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"406\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"37a81f1\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"004-Estalvi_PlansDePensions - La M\u00fatua dels Enginyers\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"406\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Nom\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Correu electr\u00f2nic\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-number elementor-field-group elementor-column elementor-field-group-bb62be9 elementor-col-100\">\n\t\t\t\t\t\t\t\t<input type=\"number\" name=\"form_fields[bb62be9]\" id=\"form-field-bb62be9\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Tel\u00e8fon\" min=\"\" max=\"\" >\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-select elementor-field-group elementor-column elementor-field-group-field_66a61fa elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_66a61fa\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tSelecciona una opci\u00f3\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field elementor-select-wrapper remove-before \">\n\t\t\t<div class=\"select-caret-down-wrapper\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-caret-down\"><\/i>\t\t\t<\/div>\n\t\t\t<select name=\"form_fields[field_66a61fa]\" id=\"form-field-field_66a61fa\" class=\"elementor-field-textual elementor-size-sm\" required=\"required\">\n\t\t\t\t\t\t\t\t\t<option value=\"Vull fer un trasp\u00e0s\">Vull fer un trasp\u00e0s<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Vull fer una aportaci\u00f3\">Vull fer una aportaci\u00f3<\/option>\n\t\t\t\t\t\t\t<\/select>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-40637ec elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[40637ec]\" id=\"form-field-40637ec\" class=\"elementor-field elementor-size-sm  elementor-acceptance-field\" required=\"required\">\n\t\t\t\t<label for=\"form-field-40637ec\">Accepto les <a href=\"https:\/\/www.mutua-enginyers.com\/rgpd\/politica_de_privacitat\" target=\"_blank\">pol\u00edtiques de privacitat<\/a>.<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha elementor-field-group elementor-column elementor-field-group-field_1 elementor-col-100\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_1\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6LdLFmMUAAAAAMvYiiPvc9rJYNd78vjEc1hlVnhM\" data-type=\"v2_checkbox\" data-theme=\"light\" data-size=\"normal\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t\t\t\t\t\t<i class=\"fa fa-send\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Enviar<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a851e46 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a851e46\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b138636\" data-id=\"b138636\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9465511 elementor-widget elementor-widget-html\" data-id=\"9465511\" 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<!-- Google Fonts: Roboto Slab Light -->\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Roboto+Slab:wght@300;400;700&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n\/* ========= CONTENEDOR PADRE PARA PONER LOS BLOQUES EN FILA ========== *\/\r\n.contenedor-doble {\r\n    display: flex;\r\n    gap: 40px;\r\n    max-width: 1200px;\r\n    margin: 0 auto;\r\n}\r\n\r\n\/* Responsive: en m\u00f3vil los bloques se apilan *\/\r\n@media (max-width: 900px) {\r\n    .contenedor-doble {\r\n        flex-direction: column;\r\n        gap: 30px;\r\n    }\r\n}\r\n\r\n\/* ========= ESTILOS GENERALES ========== *\/\r\n.contenedor-plan {\r\n    flex: 1; \/* cada caja ocupa mitad del espacio *\/\r\n    display: flex;\r\n    flex-direction: column;\r\n    justify-content: space-between;\r\n    background: #e2e9f2;\r\n    padding: 40px;\r\n    border-radius: 20px;\r\n    font-family: Arial, sans-serif;\r\n}\r\n\r\n\/* ========= TEXTOS ========== *\/\r\n.contenedor-texto h2 {\r\n    font-family: \"Roboto Slab\", serif;\r\n    font-weight: 300;\r\n    font-size: 28px;\r\n    margin-bottom: 15px;\r\n    line-height: 1.2;\r\n}\r\n\r\n.contenedor-texto p {\r\n    font-size: 16px;\r\n    color: #333;\r\n    margin-bottom: 20px;\r\n    line-height: 1.4;\r\n}\r\n\r\n\/* ========= LISTA ========== *\/\r\n.lista-beneficios {\r\n    list-style: none;\r\n    padding: 0;\r\n    margin: 0 0 25px 0;\r\n}\r\n\r\n.lista-beneficios li {\r\n    font-size: 16px;\r\n    margin-bottom: 8px;\r\n    position: relative;\r\n    padding-left: 25px;\r\n}\r\n\r\n.lista-beneficios li::before {\r\n    content: \"\u2714\";\r\n    color: #0094a9;\r\n    font-weight: bold;\r\n    position: absolute;\r\n    left: 0;\r\n    top: 0;\r\n}\r\n\r\n\/* ========= BOTONES ========== *\/\r\n.botones-accion {\r\n    display: flex;\r\n    gap: 12px;\r\n    flex-wrap: wrap;\r\n}\r\n\r\n.boton-plan {\r\n    background: #0094a9;\r\n    color: #fff;\r\n    padding: 12px 25px;\r\n    border-radius: 8px;\r\n    text-decoration: none;\r\n    font-size: 16px;\r\n    font-weight: bold;\r\n}\r\n\r\n.boton-secundario {\r\n    background: #182741;\r\n    color: #fff;\r\n    padding: 12px 25px;\r\n    border-radius: 8px;\r\n    text-decoration: none;\r\n    font-size: 16px;\r\n    font-weight: bold;\r\n}\r\n\r\n\/* ========= IMAGEN ========== *\/\r\n.contenedor-imagen img {\r\n    width: 100%;\r\n    border-radius: 20px;\r\n    margin-top: 20px;\r\n}\r\n\r\n\/* ========= RESPONSIVE ========= *\/\r\n@media (max-width: 650px) {\r\n    .contenedor-plan {\r\n        padding: 25px 18px;\r\n        text-align: center;\r\n    }\r\n\r\n    .lista-beneficios li {\r\n        font-size: 15px;\r\n    }\r\n\r\n    .botones-accion {\r\n        flex-direction: column;\r\n        align-items: center;\r\n    }\r\n\r\n    .boton-plan,\r\n    .boton-secundario {\r\n        width: 100%;\r\n        text-align: center;\r\n    }\r\n}\r\n<\/style>\r\n\r\n\r\n<!-- ========= BLOQUES EN FILA ========= -->\r\n<div class=\"contenedor-doble\">\r\n\r\n    <!-- ========= BLOQUE 1 ========= -->\r\n    <div class=\"contenedor-plan\">\r\n        <div class=\"contenedor-texto\">\r\n            <h2>Traspassa el teu pla de pensions<\/h2>\r\n            <p>Traspassa ara el teu pla de pensions o PPA a La M\u00fatua dels Enginyers i emporta\u2019t fins a un 5,5% sobre la quantitat traspassada.<\/p>\r\n\r\n            <ul class=\"lista-beneficios\">\r\n                <li>M\u00e9s flexibilitat per a tu<\/li>\r\n                <li>Estalvia en la teva declaraci\u00f3<\/li>\r\n            <\/ul>\r\n\r\n            <div class=\"botones-accion\">\r\n                <a href=\"https:\/\/landing.mutua-enginyers.com\/index.php\/estalvi-plansdepensions\/#form\" class=\"boton-plan\">Vull el meu pla<\/a>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"contenedor-imagen\">\r\n            <img decoding=\"async\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/12sobre-la-quantitat-scaled.png\" alt=\"Pla de pensions\">\r\n        <\/div>\r\n    <\/div>\r\n\r\n\r\n    <!-- ========= BLOQUE 2 ========= -->\r\n    <div class=\"contenedor-plan\">\r\n        <div class=\"contenedor-texto\">\r\n            <h2>Fes una aportaci\u00f3 i emporta't un premi!<\/h2>\r\n            <p>Fes una aportaci\u00f3 als teus plans de pensions o PPA de La M\u00fatua dels Enginyers i tria el teu regal* segons la suma d'aportacions fetes durant el 2025**.<\/p>\r\n\r\n            <ul class=\"lista-beneficios\">\r\n                <li>Escull el teu premi<\/li>\r\n                <li>Estalvia en la teva declaraci\u00f3<\/li>\r\n            <\/ul>\r\n\r\n            <div class=\"botones-accion\">\r\n                <a href=\"https:\/\/landing.mutua-enginyers.com\/index.php\/estalvi-plansdepensions\/#form\" class=\"boton-plan\">Vull el meu premi<\/a>\r\n                <a href=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/12trams-campanya-pensions_2025_ok.png\" class=\"boton-secundario\">M\u00e9s informaci\u00f3<\/a>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"contenedor-imagen\">\r\n            <img decoding=\"async\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/12premios_ok1.png\" alt=\"Pla de pensions\">\r\n        <\/div>\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a8028f elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"2a8028f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-35f239b\" data-id=\"35f239b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e3e313f elementor-widget elementor-widget-heading\" data-id=\"e3e313f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Per qu\u00e8 escollir els plans de pensions i de previsi\u00f3 de La M\u00fatua dels Enginyers? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd5c093 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd5c093\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-cd95cd0\" data-id=\"cd95cd0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d04a9a elementor-widget elementor-widget-image\" data-id=\"7d04a9a\" 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=\"150\" height=\"150\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2024\/10\/equip-huma-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-9072\" alt=\"equip hum\u00e0\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2024\/10\/equip-huma-150x150.png 150w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2024\/10\/equip-huma-300x300.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2024\/10\/equip-huma.png 512w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\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 class=\"elementor-element elementor-element-fab0369 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"fab0369\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTindr\u00e0s un consultor personalitzat amb qui podr\u00e0s contactar sempre que vulguis\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-faa448f\" data-id=\"faa448f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dbf53fb elementor-widget elementor-widget-image\" data-id=\"dbf53fb\" 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=\"150\" height=\"150\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/empresario-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-9808\" alt=\"\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/empresario-150x150.png 150w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/empresario-300x300.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/empresario.png 512w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\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 class=\"elementor-element elementor-element-a714210 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"a714210\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSeleccionem els millors gestors de mercat per decidir sobre les inversions dels plans\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-c781db7\" data-id=\"c781db7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b62cc7 elementor-widget elementor-widget-image\" data-id=\"5b62cc7\" 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=\"150\" height=\"150\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/05\/salve-el-planeta-1-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-9266\" alt=\"planes de pensiones sostenibles\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/05\/salve-el-planeta-1-150x150.png 150w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/05\/salve-el-planeta-1-300x300.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/05\/salve-el-planeta-1.png 512w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\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 class=\"elementor-element elementor-element-d2f1649 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"d2f1649\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDisposem de plans de pensions sostenibles, classificats d\u2019acord amb el Reglament UE 2019\/2088 (art. 8 o 9), aix\u00ed com un de solidari\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-31b2122 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31b2122\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ee423b\" data-id=\"2ee423b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4fdb9aa elementor-widget elementor-widget-heading\" data-id=\"4fdb9aa\" 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<h1 class=\"elementor-heading-title elementor-size-default\">Troba el pla perfecte per a tu<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f741b52 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-accordion\" data-id=\"f741b52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2591\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2591\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Prioritzo la seguretat<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2591\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2591\"><p>Si el teu objectiu \u00e9s mantenir el teu capital segur i gaudir d\u2019una estabilitat constant, aquests plans s\u00f3n ideals per a tu . Inverteix principalment en Renda Fixa, prioritzant sempre un risc m\u00ednim i totalment controlat. \u00c9s la tria perfecta per a qui vol tranquil\u00b7litat sense renunciar a fer cr\u00e9ixer els seus estalvis de manera s\u00f2lida i fiable.<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-9858\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Pla-Previsio-Assegurat.png\" alt=\"\" width=\"500\" height=\"201\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Pla-Previsio-Assegurat.png 845w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Pla-Previsio-Assegurat-300x121.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Pla-Previsio-Assegurat-768x309.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-9934\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/PPSEOKK.png\" alt=\"\" width=\"500\" height=\"201\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/PPSEOKK.png 845w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/PPSEOKK-300x121.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/PPSEOKK-768x309.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-9854\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Gestio-RF.png\" alt=\"\" width=\"500\" height=\"201\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Gestio-RF.png 845w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Gestio-RF-300x121.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Gestio-RF-768x309.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-9850\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Renda-Fixa-ODS.png\" alt=\"\" width=\"500\" height=\"201\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Renda-Fixa-ODS.png 845w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Renda-Fixa-ODS-300x121.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Renda-Fixa-ODS-768x309.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-9851\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Pla-Pensions-Associatiu.png\" alt=\"\" width=\"500\" height=\"201\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Pla-Pensions-Associatiu.png 845w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Pla-Pensions-Associatiu-300x121.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Pla-Pensions-Associatiu-768x309.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2592\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2592\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Vull seguretat, per\u00f2 tamb\u00e9 contribuir a la sostenibilitat<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2592\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2592\"><p>Si tens un perfil conservador per\u00f2 vols que els teus estalvis tinguin un impacte positiu en el m\u00f3n, aquest \u00e9s el cam\u00ed. Les teves inversions contribuiran activament als Objectius de Desenvolupament Sostenible (ODS), assumint nom\u00e9s un lleuger increment de risc (4\/7) a canvi d\u2019un potencial m\u00e9s gran i d\u2019un comprom\u00eds real amb el planeta i la societat.<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-9910\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Inversio-Sostenible-1.png\" alt=\"\" width=\"500\" height=\"201\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Inversio-Sostenible-1.png 845w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Inversio-Sostenible-1-300x121.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Inversio-Sostenible-1-768x309.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2593\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2593\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Busco creixement, per\u00f2 amb cautela<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2593\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2593\"><p>Si tens una visi\u00f3 a mitj\u00e0 termini (5-10 anys) i vols trobar l\u2019equilibri ideal entre seguretat i creixement, aquests plans s\u00f3n perfectes per a tu. Est\u00e0s disposat a assumir un risc moderat per accedir a un major potencial de rendibilitat.<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-9908\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Prudent-1.png\" alt=\"\" width=\"500\" height=\"201\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Prudent-1.png 845w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Prudent-1-300x121.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Prudent-1-768x309.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-9856\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-mixt.png\" alt=\"\" width=\"500\" height=\"201\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-mixt.png 845w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-mixt-300x121.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-mixt-768x309.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-9915\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Fonsgestio-1.png\" alt=\"\" width=\"500\" height=\"201\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Fonsgestio-1.png 845w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Fonsgestio-1-300x121.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Fonsgestio-1-768x309.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-9935\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Borsaokk.png\" alt=\"\" width=\"500\" height=\"201\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Borsaokk.png 845w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Borsaokk-300x121.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Borsaokk-768x309.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2594\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2594\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Em sento c\u00f2mode amb el risc<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2594\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2594\"><p>Si tens una visi\u00f3 d\u2019inversi\u00f3 a llarg termini (m\u00e9s de 10 anys) i et sents c\u00f2mode assumint una mica m\u00e9s de risc per buscar un creixement m\u00e9s gran, aquest perfil \u00e9s el que millor s\u2019adapta a tu. Treballar\u00e0s amb una alta exposici\u00f3 a Renda Variable, cosa que et permetr\u00e0 aprofitar al m\u00e0xim les oportunitats del mercat i donar un impuls real al valor de la teva inversi\u00f3.<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-9906\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Solidari-i-tematic.png\" alt=\"\" width=\"500\" height=\"201\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Solidari-i-tematic.png 845w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Solidari-i-tematic-300x121.png 300w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/11\/Enginyers-Solidari-i-tematic-768x309.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5900b5c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5900b5c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-390e937\" data-id=\"390e937\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bb1ac9b elementor-widget elementor-widget-accordion\" data-id=\"bb1ac9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1961\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1961\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Avantatges fiscals<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1961\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1961\"><p><strong>Desgravaci\u00f3 fiscal de les aportacions:<\/strong><\/p><ul><li>Podr\u00e0s pagar menys a la declaraci\u00f3 de la renda ja que l\u2019aportaci\u00f3 que efectu\u00efs als plans de pensions o PPA redueix la base imposable general de l\u2019IRPF.<\/li><li>Per cada 1.000 \u20ac que aportis a un pla de pensions o PPA, podr\u00e0s estalviar fi\u00adns a 540 \u20ac (1) a la propera declaraci\u00f3 de la renda. L\u2019estalvi \u00adfiscal dependr\u00e0 dels ingressos del treball o activitats econ\u00f2miques que tinguis per incloure a la base imposable general de l\u2019IRPF i de la comunitat aut\u00f2noma a la qual resideixis. Informa\u2019t exactament del seu estalvi \u00adfiscal. El nostre equip t\u2019assessorar\u00e0.<\/li><li>Diferiment del pagament d\u2019impostos.<\/li><\/ul><p><strong>L\u00edmits d\u2019aportaci\u00f3:<\/strong><\/p><ul><li>L\u2019aportaci\u00f3 m\u00e0xima anual a un pla de pensions o PPA \u00e9s la menor entre 1.500 \u20ac (2)<span style=\"letter-spacing: -0.27px;\">(3).<\/span>\u00a0i el 30% dels rendiments nets del treball i de les activitats econ\u00f2miques. Aquest l\u00edmit s&#8217;incrementar\u00e0 en 8.500\u00a0<span style=\"letter-spacing: -0.27px;\">\u20ac<\/span>, sempre que aquest increment provingui de contribucions empresarials o d&#8217;aportacions del treballador al mateix instrument de previsi\u00f3 social per un import igual o inferior a la respectiva contribuci\u00f3 empresarial.<\/li><li>El l\u00edmit m\u00e0xim de les aportacions anuals a favor del c\u00f2njuge \u00e9s de 1.000 \u20ac (2).<\/li><li><span style=\"text-decoration: underline; color: #0094a9;\"><a style=\"color: #0094a9;\" href=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2024\/10\/pensions_limits-aportacio-cat.png\"><span style=\"text-decoration: underline;\"><strong>Consulta els L\u00edmits d\u2019aportaci\u00f3 als instruments de previsi\u00f3 per a la jubilaci\u00f3<\/strong><\/span><\/a><\/span>.<\/li><\/ul><p><strong>Avantatge en el moment del cobrament:<\/strong><\/p><ul><li>En determinats suposits aprofitament d&#8217;un menor tipus de gravamen un cop s\u2019arriba a la jubilaci\u00f3, en comparaci\u00f3 del tipus aplicable mentre s\u2019est\u00e0 actiu.<\/li><li>En d\u2019altres sup\u00f2sits, i optant per cobrament en diferents exercicis (ja sigui en forma de capital o renda), aprofitament d\u2019un tipus inferior al del cobrament en forma de capital \u00fanic en un sol exercici.<\/li><\/ul><p>(1) Segons fi\u00adscalitat aplicable a cada comunitat aut\u00f2noma a novembre de 2025.<\/p><p>(2) Sempre que el c\u00f2njuge no obtingui rendiments del treball o obtingui rendiments nets d\u2019aquestes dues fonts de renda inferiors a 8.000 \u20ac anuals.<\/p><p>(3) Aquests l\u00edmits (1.500 \u20ac o 30% Rendiment Net Treball o Activitat Econ\u00f2mica) s\u00f3n aplicables conjuntament a tots els plans de pensions individuals, associats i d\u2019ocupaci\u00f3, plans de previsi\u00f3 assegurats (PPA), plans de previsi\u00f3 social empresarial (PPSE) i assegurances privades que cobreixin exclusivament el risc de depend\u00e8ncia severa o gran depend\u00e8ncia, aix\u00ed com a mutualitats de previsi\u00f3 social.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1962\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1962\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-angle-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Veure els l\u00edmits d'aportaci\u00f3 als instruments de previsi\u00f3 per a la jubilaci\u00f3<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1962\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1962\"><p><a href=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2024\/10\/pensions_limits-aportacio-cat.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-9155\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2024\/10\/pensions_limits-aportacio-cat.png\" alt=\"\" width=\"1754\" height=\"2010\" srcset=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2024\/10\/pensions_limits-aportacio-cat.png 1754w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2024\/10\/pensions_limits-aportacio-cat-262x300.png 262w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2024\/10\/pensions_limits-aportacio-cat-894x1024.png 894w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2024\/10\/pensions_limits-aportacio-cat-768x880.png 768w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2024\/10\/pensions_limits-aportacio-cat-1340x1536.png 1340w, https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2024\/10\/pensions_limits-aportacio-cat-1200x1375.png 1200w\" sizes=\"(max-width: 1754px) 100vw, 1754px\" \/><\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee2eaf6 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee2eaf6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1424e11\" data-id=\"1424e11\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e78ab23 elementor-widget elementor-widget-heading\" data-id=\"e78ab23\" 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<h1 class=\"elementor-heading-title elementor-size-default\">FAQ - Preguntes Freq\u00fcents<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e643302 elementor-widget elementor-widget-accordion\" data-id=\"e643302\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2411\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2411\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Qu\u00e8 \u00e9s un pla de pensions? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2411\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2411\"><p>Els plans de pensions s\u00f3n un producte d\u2019estalvi, que proporciona excepcionals avantatges fiscals. El seu principal objectiu \u00e9s la constituci\u00f3 d\u2019un capital o una renda que permetin complementar la pensi\u00f3 de jubilaci\u00f3.<\/p><p>En l\u2019actualitat, el pla de pensions o de previsi\u00f3 \u00e9s l\u2019\u00fanic producte d\u2019estalvi que permet obtenir el<strong>\u00a0m\u00e0xim estalvi fiscal<\/strong>\u00a0en la declaraci\u00f3 de la renda.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2412\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2412\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quins avantatges ofereix un pla de pensions?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2412\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2412\"><ul><li>Fiscalitat de les aportacions: s\u00f3n redu\u00efbles de la base imposable general de l&#8217;IRPF.<\/li><li>No obligatorietat de realitzar aportacions: en qualsevol moment es pot deixar de realitzar aportacions o b\u00e9 deixar-les en suspens.<\/li><li>Seguiment i transpar\u00e8ncia de les inversions per part dels i de les part\u00edcips.<\/li><li>Aportacions flexibles en import i en format, ja que es poden realitzar en c\u00e0rrec domiciliat mitjan\u00e7ant transfer\u00e8ncia banc\u00e0ria, en tal\u00f3 o en efectiu.<\/li><li>Liquiditat, en determinats sup\u00f2sits com atur de llarga durada, malaltia greu o en cas d\u2019antiguitat superior a deu anys.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2413\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2413\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Qui s\u00f3n les persones benefici\u00e0ries d\u2019un pla de pensions?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2413\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2413\"><p>S\u00f3n les persones f\u00edsiques que havent estat part\u00edcips, hagin passat a situaci\u00f3 de cobrament de prestacions. Aix\u00ed mateix, tamb\u00e9 s\u00f3n persones benefici\u00e0ries els\/les hereus designats o els\/les hereus legals d\u2019un part\u00edcip difunt.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2414\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2414\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quines aportacions puc fer? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2414\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2414\"><p>Aportacions <strong>peri\u00f2diques<\/strong>: en qualsevol moment el part\u00edcip d\u2019un pla de pensions o de previsi\u00f3 es pot comprometre a realitzar aportacions amb una periodicitat pr\u00e8viament establerta (mensual, trimestral, etc&#8230;).<\/p><p>Aportacions <strong>extraordin\u00e0ries<\/strong>: en qualsevol moment es poden realitzar aportacions per la quantia que desitgi el part\u00edcip, sempre que es respectin els l\u00edmits legals que s\u2019estableixen per cada exercici.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2415\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2415\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Poden aportar a un pla de pensions o de previsi\u00f3 les persones que ja no estiguin en actiu?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2415\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2415\"><p>Sempre que NO es cobri cap pla de pensions \u00e9s poden continuar fent aportacions per a la jubilaci\u00f3. \u00c9s a dir, els drets consolidats es podran cobrar per a la conting\u00e8ncia de jubilaci\u00f3 sempre que no s\u2019hagi cobrat cap quantitat per la mateixa conting\u00e8ncia. Un cop iniciat el cobrament de la prestaci\u00f3 per jubilaci\u00f3 de qualsevol pla de pensions o de previsi\u00f3, es podran seguir efectuant aportacions, per\u00f2, \u00fanicament es podran cobrar per a les conting\u00e8ncies de mort o gran depend\u00e8ncia.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2416\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2416\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Poden contractar un pla de pensions les persones sense rendiment del treball o amb uns rendiments inferiors a 8.000 \u20ac?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2416\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2416\"><p>S\u00ed, el podr\u00e0 contractar el c\u00f2njuge del matrimoni que no tingui rendiments nets del treball ni d\u2019activitats econ\u00f2miques o els obtingui en una quantitat inferior a 8.000 \u20ac anuals. Aquest fet representa un avantatge en el cas d\u2019aquests matrimonis, ja que el c\u00f2njuge que treballa obtenint rendiments del treball podr\u00e0 aplicar una reducci\u00f3 addicional sobre la seva base imposable general per les aportacions al pla de pensions del c\u00f2njuge que no treballa (u obt\u00e9 rendiments inferiors als 8.000 \u20ac) fins a un m\u00e0xim anual de 1.000 \u20ac.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2417\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2417\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Qu\u00e8 s\u00f3n les prestacions d\u2019un pla de pensions?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2417\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2417\"><p>\u00c9s el reconeixement d\u2019un dret econ\u00f2mic a favor de les persones benefici\u00e0ries del pla de pensions o de previsi\u00f3 com a resultat de qu\u00e8 es produeixi una de les conting\u00e8ncies previstes en el pla.<\/p><p>Les prestacions, sigui quina sigui la conting\u00e8ncia de la que derivin, tributen en la seva totalitat com a rendiment del treball en l\u2019IRPF i se\u2019ls practica una retenci\u00f3 a compte que dependr\u00e0 de la situaci\u00f3 personal del beneficiari i de l\u2019import percebut.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2418\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2418\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quines s\u00f3n les conting\u00e8ncies que cobreixen els plans de pensions i els de previsi\u00f3?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2418\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2418\"><ul><li>Jubilaci\u00f3 del o la part\u00edcip.<\/li><li>Incapacitat laboral total i permanent per a la professi\u00f3 habitual o absoluta i permanent per a qualsevol mena de feina, o gran invalidesa.<\/li><li>Depend\u00e8ncia severa o gran depend\u00e8ncia.<\/li><li>Mort del o la part\u00edcip.<\/li><\/ul><p>Addicionalment, tamb\u00e9 hi ha sup\u00f2sits excepcionals de liquiditat dels plans de pensions i\/o de previsi\u00f3 com els seg\u00fcents:<\/p><ul><li>Malaltia greu.<\/li><li>Atur de llarga durada.<\/li><li>A partir de 2025: aportacions amb antiguitat superior a 10 anys.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2419\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-2419\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quines modalitats de cobrament de prestaci\u00f3 existeixen?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2419\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-2419\"><ul><li><strong>En forma de capital: <\/strong>es cobren <strong>tots els drets <\/strong>consolidats acumulats en forma de capital \u00fanic.<\/li><li><strong>En forma de renda: <\/strong>consisteix en una renda l\u2019import i la periodicitat de la qual les decideix el beneficiari\/\u00e0ria i que s\u2019abona fins a la finalitzaci\u00f3 del saldo acumulat. Tamb\u00e9 existeix la possibilitat de cobrar una renda vital\u00edcia.<\/li><li><strong>En forma de capital i renda (modalitat mixta): <\/strong>es cobra una part en forma de capital i una altra part en forma de renda financera.<\/li><li><strong>A lliure disposici\u00f3: <\/strong>anar percebent els diners acumulats en el pla segons els vagi necessitant, sense haver de fixar cap data en concret ni cap periodicitat.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-24110\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-24110\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Les persones benefici\u00e0ries que cobrin un pla de pensions per defunci\u00f3 del titular han de tributar per l\u2019Impost de successions?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-24110\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-24110\"><p>En cas de ser una persona benefici\u00e0ria d\u2019un pla per la conting\u00e8ncia de mort tamb\u00e9 estar\u00e0 subjecte a la tributaci\u00f3 com a rendiment de treball i en cap cas estar\u00e0 subjecte a Impost de successions i donacions.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-24111\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-24111\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Pot un part\u00edcip mobilitzar el seu pla de pensions i de previsi\u00f3?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-24111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-24111\"><p>Una persona part\u00edcip pot mobilitzar el seu pla, traslladant els seus drets consolidats (total o parcialment) a un altre pla o altres plans, a un altre pla o plans de previsi\u00f3 assegurats i a un altre pla o plans de previsi\u00f3 social empresarial.<\/p><p>D&#8217;altra banda, al mobilitzar un pla es conserva l\u2019antiguitat del mateix i de les aportacions realitzades.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-24112\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-24112\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Qu\u00e8 significa l\u2019ajornament o diferiment del pagament d\u2019impostos que comporta la realitzaci\u00f3 d\u2019aportacions a un pla de pensions?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-24112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-24112\"><p>Una persona part\u00edcip d\u2019un pla de pensions es redueix en la seva base imposable general de l&#8217;IRPF les quantitats aportades. Per tant,\u00a0i donat el car\u00e0cter progressiu de la tarifa de l\u2019IRPF, mentre est\u00e0 en actiu haur\u00e0 de tributar per menys base liquidable a conseq\u00fc\u00e8ncia d\u2019aportar a un pla de pensions i\/o de previsi\u00f3.<\/p><p>Quan es jubili, haur\u00e0 de\u00a0tributar per les quantitats cobrades del pla. Com acostuma a succeir en la gran majoria dels casos, a partir de la jubilaci\u00f3 els seus rendiments seran menors, ja que el m\u00e9s normal \u00e9s que al deixar la vida activa professional els ingressos disminueixin, i considerant que la base imposable ser\u00e0 inferior a la del treballador actiu, la tributaci\u00f3 ser\u00e0 menor que quan realitzava les aportacions al pla.<\/p><p>Aquest fet s\u2019anomena &#8220;diferiment del pagament d\u2019impostos&#8221;. S\u2019obtenen avantatges fiscals immediats i en el futur, quan es rebi la prestaci\u00f3, s\u2019haur\u00e0 de tributar, per\u00f2 en la gran majoria dels casos aquesta tributaci\u00f3 ser\u00e0 a un tipus impositiu menor.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cdd12cf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cdd12cf\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b1eed79\" data-id=\"b1eed79\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3747f1 elementor-widget elementor-widget-heading\" data-id=\"f3747f1\" 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<h1 class=\"elementor-heading-title elementor-size-default\">Els nostres plans<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8bc8f5 elementor-widget elementor-widget-html\" data-id=\"e8bc8f5\" 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<style>\r\n\/* CONTENEDOR *\/\r\n.mutua-table-wrapper {\r\n  width: 100%;\r\n  overflow-x: auto;\r\n}\r\n\r\n\/* TABLA *\/\r\n.mutua-table {\r\n  width: 100%;\r\n  border-collapse: separate;\r\n  border-spacing: 14px 8px;\r\n  font-family: inherit;\r\n  text-align: center;\r\n  font-size: 13px;\r\n\r\n  \/* \ud83d\udd25 \u00daNICO CAMBIO PARA ELIMINAR EL BORDE GRIS *\/\r\n  border: none !important;\r\n}\r\n\r\n\/* CABECERA *\/\r\n.mutua-table thead th {\r\n  background-color: #13233F;\r\n  color: #ffffff;\r\n  padding: 10px 18px;\r\n  font-weight: 600;\r\n  border-radius: 10px;\r\n  font-size: 14px;\r\n  white-space: nowrap;\r\n}\r\n\r\n\/* CELDAS GENERALES *\/\r\n.mutua-table tbody td {\r\n  background-color: #D7DBE5;\r\n  padding: 8px 18px;\r\n  border-radius: 10px;\r\n  color: #13233F;\r\n  white-space: nowrap;\r\n  height: 40px;\r\n  vertical-align: middle;\r\n}\r\n\r\n\/* PRIMERA COLUMNA *\/\r\n.mutua-table tbody tr td:first-child {\r\n  font-weight: 600;\r\n  text-align: left;\r\n}\r\n\r\n\/* ENLACES *\/\r\n.mutua-table tbody td a {\r\n  color: #008A9E;\r\n  text-decoration: underline;\r\n  font-weight: 600;\r\n}\r\n\r\n\/* INDICADOR DE RIESGO *\/\r\n.mutua-table tbody td.mutua-risk {\r\n  font-weight: 700;\r\n  text-align: center;\r\n}\r\n\r\n.mutua-risk-1 { background-color: #d1d5e0 !important; color:#ffffff !important; }\r\n.mutua-risk-3 { background-color: #00AFBB !important; color: #ffffff !important; }\r\n.mutua-risk-4 { background-color: #148e9d !important; color: #ffffff !important; }\r\n.mutua-risk-5 { background-color: #006571 !important; color: #ffffff !important; }\r\n.mutua-risk-6 { background-color: #00353e !important; color: #ffffff !important; }\r\n\r\n\/* ---------------------------------------------------- *\/\r\n\/* \u2b50 MODO RESPONSIVE 100%: TARJETAS EN MOVIL *\/\r\n\/* ---------------------------------------------------- *\/\r\n\r\n@media (max-width: 768px) {\r\n\r\n  .mutua-table thead {\r\n    display: none; \/* oculto cabecera *\/\r\n  }\r\n\r\n  .mutua-table tbody tr {\r\n    display: block;\r\n    background: #F4F5F8;\r\n    border-radius: 12px;\r\n    padding: 14px;\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .mutua-table tbody td {\r\n    display: flex;\r\n    justify-content: space-between;\r\n    white-space: normal;\r\n    height: auto;\r\n    padding: 10px 14px;\r\n    margin-bottom: 8px;\r\n    border-radius: 8px;\r\n  }\r\n\r\n  .mutua-table tbody td::before {\r\n    content: attr(data-label);\r\n    font-weight: 600;\r\n    color: #13233F;\r\n    margin-right: 12px;\r\n    text-align: left;\r\n  }\r\n\r\n  \/* Ajuste para la primera celda (nombre del plan) *\/\r\n  .mutua-table tbody tr td:first-child {\r\n    font-weight: 700;\r\n  }\r\n}\r\n<\/style>\r\n\r\n\r\n<div class=\"mutua-table-wrapper\">\r\n<table class=\"mutua-table\">\r\n  <thead>\r\n    <tr>\r\n      <th>Pla<\/th>\r\n      <th>Fons<\/th>\r\n      <th>Categoria<\/th>\r\n      <th>Indicador de risc<\/th>\r\n    <\/tr>\r\n  <\/thead>\r\n  <tbody>\r\n\r\n    <tr>\r\n      <td data-label=\"Pla\">PPA M\u00fatua Enginyers<\/td>\r\n      <td data-label=\"Fons\">Pla de Previsi\u00f3 Assegurat<\/td>\r\n      <td data-label=\"Categoria\">Garantit<\/td>\r\n      <td data-label=\"Indicador de risc\" class=\"mutua-risk mutua-risk-1\">1\/6<\/td>\r\n    <\/tr>\r\n\r\n    <tr>\r\n      <td data-label=\"Pla\">PPA FIATC-Enginyers<\/td>\r\n      <td data-label=\"Fons\">Pla de Previsi\u00f3 Assegurat<\/td>\r\n      <td data-label=\"Categoria\">Garantit<\/td>\r\n      <td data-label=\"Indicador de risc\" class=\"mutua-risk mutua-risk-1\">1\/6<\/td>\r\n    <\/tr>\r\n\r\n    <tr>\r\n      <td data-label=\"Pla\">Enginyers Gesti\u00f3 RF **<\/td>\r\n      <td data-label=\"Fons\">Fons de Pensions EIC 10<\/td>\r\n      <td data-label=\"Categoria\">Renda Fixa a Llarg Termini<\/td>\r\n      <td data-label=\"Indicador de risc\" class=\"mutua-risk mutua-risk-3\">3\/7<\/td>\r\n    <\/tr>\r\n\r\n    <tr>\r\n      <td data-label=\"Pla\">Pla Pensions Associatiu **<\/td>\r\n      <td data-label=\"Fons\">Fons de Pensions EIC<\/td>\r\n      <td data-label=\"Categoria\">Renda Fixa Mixta<\/td>\r\n      <td data-label=\"Indicador de risc\" class=\"mutua-risk mutua-risk-3\">3\/7<\/td>\r\n    <\/tr>\r\n\r\n    <tr>\r\n      <td data-label=\"Pla\">Enginyers Renda Fixa ODS **<\/td>\r\n      <td data-label=\"Fons\">Fons de Pensions EIC 2<\/td>\r\n      <td data-label=\"Categoria\">Renda Fixa a Llarg Termini<\/td>\r\n      <td data-label=\"Indicador de risc\" class=\"mutua-risk mutua-risk-3\">3\/7<\/td>\r\n    <\/tr>\r\n        <tr>\r\n      <td data-label=\"Pla\">Enginyers Prudent **<\/td>\r\n      <td data-label=\"Fons\">Fons de Pensions EIC 5<\/td>\r\n      <td data-label=\"Categoria\">Renda Fixa Mixta<\/td>\r\n      <td data-label=\"Indicador de risc\" class=\"mutua-risk mutua-risk-3\">3\/7<\/td>\r\n    <\/tr>\r\n    \r\n        <tr>\r\n      <td data-label=\"Pla\">Enginyers Inversi\u00f3 Sostenible **<\/td>\r\n      <td data-label=\"Fons\">Fons de Pensions EIC 6<\/td>\r\n      <td data-label=\"Categoria\">Renda Fixa Mixta<\/td>\r\n      <td data-label=\"Indicador de risc\" class=\"mutua-risk mutua-risk-3\">3\/7<\/td>\r\n    <\/tr>\r\n\r\n    <tr>\r\n      <td data-label=\"Pla\">Enginyers Mixt **<\/td>\r\n      <td data-label=\"Fons\">Fons de Pensions EIC 3<\/td>\r\n      <td data-label=\"Categoria\">Renda Variable Mixta<\/td>\r\n      <td data-label=\"Indicador de risc\" class=\"mutua-risk mutua-risk-4\">4\/7<\/td>\r\n    <\/tr>\r\n\r\n    <tr>\r\n      <td data-label=\"Pla\">Enginyers Fongesti\u00f3 **<\/td>\r\n      <td data-label=\"Fons\">Fons de Pensions EIC 7<\/td>\r\n      <td data-label=\"Categoria\">Renda Variable Mixta<\/td>\r\n      <td data-label=\"Indicador de risc\" class=\"mutua-risk mutua-risk-4\">4\/7<\/td>\r\n    <\/tr>\r\n\r\n    <tr>\r\n      <td data-label=\"Pla\">Enginyers Solidari i Tem\u00e0tic **<\/td>\r\n      <td data-label=\"Fons\">Fons de Pensions EIC 9<\/td>\r\n      <td data-label=\"Categoria\">Renda Variable<\/td>\r\n      <td data-label=\"Indicador de risc\" class=\"mutua-risk mutua-risk-5\">5\/7<\/td>\r\n    <\/tr>\r\n\r\n    <tr>\r\n      <td data-label=\"Pla\">Enginyers Borsa **<\/td>\r\n      <td data-label=\"Fons\">Fons de Pensions EIC 4<\/td>\r\n      <td data-label=\"Categoria\">Renda Variable<\/td>\r\n      <td data-label=\"Indicador de risc\" class=\"mutua-risk mutua-risk-5\">5\/7<\/td>\r\n    <\/tr>\r\n\r\n  <\/tbody>\r\n<\/table>\r\n<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8448635 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"8448635\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ddc3b13\" data-id=\"ddc3b13\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0f12a6a elementor-widget elementor-widget-heading\" data-id=\"0f12a6a\" 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<h1 class=\"elementor-heading-title elementor-size-default\">Demana informaci\u00f3<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3effd95 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3effd95\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-dfcfa2f\" data-id=\"dfcfa2f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c767e04 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"c767e04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/wa.me\/message\/AA7URW4D3M43K1\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t<i aria-hidden=\"true\" class=\"fab fa-whatsapp\"><\/i>\t\t\t<\/a>\n\t\t<\/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-94984d1 elementor-widget elementor-widget-text-editor\" data-id=\"94984d1\" 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>Envia un missatge al nostre<span style=\"color: #ffff99;\">\u00a0<span style=\"color: #182741;\"><a style=\"color: #182741;\" href=\"https:\/\/wa.me\/message\/AA7URW4D3M43K1\/\" target=\"_blank\" rel=\"noopener\">WhatsApp<\/a><\/span><\/span><\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-4737c62\" data-id=\"4737c62\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-86d6a6a elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"86d6a6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"mailto:correu@mutua-enginyers.com\" target=\"_blank\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Capa_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 512 512\" style=\"enable-background:new 0 0 512 512;\" xml:space=\"preserve\"><g>\t<g>\t\t<path d=\"M452,68H60C26.916,68,0,94.916,0,128v256c0,33.084,26.916,60,60,60h392c33.084,0,60-26.916,60-60V128   C512,94.916,485.084,68,452,68z M472,384c0,11.028-8.972,20-20,20H60c-11.028,0-20-8.972-20-20V128c0-11.028,8.972-20,20-20h392   c11.028,0,20,8.972,20,20V384z\"><\/path>\t<\/g><\/g><g>\t<g>\t\t<polygon points=\"468.604,92.937 256,251.074 43.396,92.937 19.522,125.032 256,300.926 492.478,125.032   \"><\/polygon>\t<\/g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><\/svg>\t\t\t<\/a>\n\t\t<\/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-b5d686e elementor-widget elementor-widget-text-editor\" data-id=\"b5d686e\" 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>Envia un mail a<span style=\"color: #000000;\"> <a style=\"color: #000000;\" href=\"mailto:correu@mutua-enginyers.com\">correu@mutua-enginyers.com<\/a><\/span><\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2765d02\" data-id=\"2765d02\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8892ed elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f8892ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"tel:+34932954300\" target=\"_blank\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/a>\n\t\t<\/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-73b1e15 elementor-widget elementor-widget-text-editor\" data-id=\"73b1e15\" 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>Truca&#8217;ns al<span style=\"color: #182741;\"> <a style=\"color: #182741;\" href=\"tel:+34932954300\">932 954 300<\/a><\/span><\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-81139d6 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"81139d6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b97a694\" data-id=\"b97a694\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-02492e7 elementor-widget elementor-widget-image\" data-id=\"02492e7\" 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\" src=\"https:\/\/landing.mutua-enginyers.com\/wp-content\/uploads\/2025\/10\/01_Marca_Color-MUTUA-CAT.png\" title=\"01_Marca_Color (M\u00daTUA CAT)\" alt=\"01_Marca_Color (M\u00daTUA CAT)\" loading=\"lazy\" \/>\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 class=\"elementor-element elementor-element-69af55a elementor-widget elementor-widget-text-editor\" data-id=\"69af55a\" 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>* LLIURAMENT DEL LOT DELS ESTOIGS DE PERNIL I DEL LOT DE VINS FINS AL 31\/01\/2026. En cas que s\u2019exhaureixin, s\u2019entregar\u00e0 la targeta regal d\u2019El Corte Ingl\u00e9s. Les targetes regal d\u2019El Corte Ingl\u00e9s es podran sol\u00b7licitar fins al 31\/01\/2026. En cas d\u2019exhaurir-se, el seu lliurament es realitzar\u00e0 a partir del 25\/02\/2026. NO S\u2019ACCEPTEN RESERVES D\u2019OBSEQUIS. Aquesta promoci\u00f3 est\u00e0 subjecta a la normativa fiscal vigent.<br \/>** Les aportacions realitzades al Pla d\u2019Estalvi Multinversi\u00f3 com a previsi\u00f3 de la jubilaci\u00f3 computaran si el grup adscrit de la p\u00f2lissa \u00e9s &#8220;Vinculat RETA\u201d o \u201cComplementari RETA\u201d; tamb\u00e9 computaran les quotes de les prestacions de Depend\u00e8ncia de La M\u00fatua dels Enginyers. Per les aportacions al Multiempresa Previsi\u00f3 i PPSE, el perceptor de l\u2019obsequi ser\u00e0 la persona assegurada en funci\u00f3 dels requisits d\u2019import establerts, i \u00a0la imputaci\u00f3 fiscal del seu valor es realitzar\u00e0 a la persona assegurada. Perman\u00e8ncia m\u00ednima de les aportacions d\u2019un any.<\/p><p>CONDICIONS DE LA PROMOCI\u00d3 DE TRASPASSOS<\/p><p>\u2022 Perman\u00e8ncia m\u00ednima de dos anys en qualsevol dels plans de pensions o PPA de La M\u00fatua dels Enginyers per tenir dret al primer pagament de la promoci\u00f3.<\/p><p>\u2022 La promoci\u00f3 del 5,5 % es far\u00e0 en un m\u00e0xim de 5 pagaments:<\/p><p style=\"padding-left: 40px;\">\u2013 1,5 % abans dels quatre mesos des de la recepci\u00f3 del trasp\u00e0s.<\/p><p style=\"padding-left: 40px;\">\u2013 1 % al final del tercer any de perman\u00e8ncia en qualsevol dels plans de pensions o PPA de La M\u00fatua.\u00a0<\/p><p style=\"padding-left: 40px;\">\u2013 1 % al final del sis\u00e8 any de perman\u00e8ncia en qualsevol dels plans de pensions o PPA de La M\u00fatua.<\/p><p style=\"padding-left: 40px;\">\u2013 1 % al final del vuit\u00e8 any de perman\u00e8ncia en qualsevol dels plans de pensions o PPA de La M\u00fatua.<\/p><p style=\"padding-left: 40px;\">\u2013 1 % al final del des\u00e8 any de perman\u00e8ncia en qualsevol dels plans de pensions o PPA de La M\u00fatua. V\u00e0lida per als 100 primers clients que sol\u00b7licitin traspassos de 5.000 euros o m\u00e9s, procedents de plans de pensions o PPA no gestionats ni intermediats pel Grup La M\u00fatua dels Enginyers. Promoci\u00f3 no acumulable amb altres promocions i subjecta a la legislaci\u00f3 vigent.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-77e5472 elementor-section-height-min-height elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"77e5472\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-f08a2c1\" data-id=\"f08a2c1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70e6b5e elementor-widget elementor-widget-text-editor\" data-id=\"70e6b5e\" 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=\"color: #000000;\">La M\u00fatua dels Enginyers &#8211; Via Laietana, 39 2n pis &#8211;\u00a0Tel\u00e8fon: 93 295 43 00\u00a0 WhatsApp:\u00a0<span style=\"text-align: inherit;\">602 250 068<span style=\"font-family: var( --e-global-typography-text-font-family ), Oxygen;\"><span style=\"font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: -0.015em;\">.\u00a0 <\/span><\/span><\/span><a style=\"font-size: inherit; text-align: inherit; font-family: var( --e-global-typography-text-font-family ), Oxygen; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: -0.015em; color: #000000;\" href=\"https:\/\/www.mutua-enginyers.com\/particulars\/grupmutua\/avis_legal\"><span style=\"text-decoration: underline;\">Av\u00eds legal<\/span>.<\/a><\/span><\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-665d13c\" data-id=\"665d13c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b9883b8 e-grid-align-right e-grid-align-mobile-center elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"b9883b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook-f elementor-repeater-item-993ef04\" href=\"https:\/\/www.facebook.com\/MutuaEnginyers\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook-f<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-facebook-f\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin-in elementor-repeater-item-8c290c2\" href=\"https:\/\/www.linkedin.com\/company\/lamutuadelsenginyers\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin-in<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin-in\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-twitter elementor-repeater-item-07456d9\" href=\"https:\/\/twitter.com\/MutuaEnginyers\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Twitter<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-twitter\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-blog elementor-repeater-item-639a42a\" href=\"https:\/\/www.elblogdelaingenieria.com\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Blog<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-blog\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Traspassa el teu pla de pensions Traspassa ara el teu pla de pensions o PPA a La M\u00fatua dels Enginyers i emporta\u2019t fins a un 5,5% sobre la quantitat traspassada. M\u00e9s flexibilitat per a tu Estalvia en la teva declaraci\u00f3 Vull el meu pla Fes una aportaci\u00f3 i emporta&#8217;t un premi! Fes una aportaci\u00f3 als [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-406","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/landing.mutua-enginyers.com\/index.php\/wp-json\/wp\/v2\/pages\/406","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/landing.mutua-enginyers.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/landing.mutua-enginyers.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/landing.mutua-enginyers.com\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/landing.mutua-enginyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=406"}],"version-history":[{"count":668,"href":"https:\/\/landing.mutua-enginyers.com\/index.php\/wp-json\/wp\/v2\/pages\/406\/revisions"}],"predecessor-version":[{"id":9954,"href":"https:\/\/landing.mutua-enginyers.com\/index.php\/wp-json\/wp\/v2\/pages\/406\/revisions\/9954"}],"wp:attachment":[{"href":"https:\/\/landing.mutua-enginyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=406"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}