▷ Que es un pias de la caixa | Actualizado julio 2024

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This product offers the possibility of saving in several portfolios, as does VidaCaixa’s Flexible Future Plan, with the possibility of combining assets according to the risk profile and investment needs of each client.
As Jordi Gual, Executive Director of Strategic Planning and Chief Economist of CaixaBank, explains, “it is advisable to start saving for retirement very early; every month it is advisable to separate an amount from the payroll that goes to another account and is not touched. With this account you save and, thanks to the magic of compound interest, you accumulate savings that can be used at the time of retirement”. He adds, “The sooner you start saving for retirement, the better.”
The decision to take out one of these products to supplement retirement will depend exclusively on the personal circumstances of each individual. For this, the best thing to do is to seek appropriate advice to guarantee a savings plan that will allow you to maintain your quality of life once you are retired.

Caixa seguros españa

I have taken out on the recommendation of the branch a savings insurance called pias destino 2022, from Caixa, with an investment of 8000e.in one week the surrender value is 7925euros. I should take it out before I lose a larger amount. In Caixa they tell me that it is normal to start losing money but I do not trust.
“Good, if I withdraw the money from the pias destiny 2022 and amortize it in the mortgage of the same mortgage entity, tb I have q pay to hacienda, if so, is paid the same as if it were a pension plan (40%).By degree of disability more than 33% is paid less to Hacienda.A cordial greeting.”
Good morning. Yes you have to pay tax on the benefits of the PIAS (you only have tax benefits if you receive it in the form of income) as income from movable capital. Then what you deduct if the habitual residence is still subject to this possibility, you will deduct it.
Good, if I withdraw the money from the PIAS destination 2022 and amortize it in the mortgage of the same mortgage company, I also have to pay to the tax office, if so, it is paid the same as if it were a pension plan (40%).by degree of disability over 33% is paid less to the Treasury.cordial greetings.

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Caixa insurance

Destino is a range that responds to the philosophy of target-date products. These are instruments in which the policyholder assumes the investment risk aimed at optimal investment management and which take into account a specific time horizon.
The PIAS Destino is a unit-linked life-savings insurance in which the benefits and values of the policy depend on the market value of the investments linked to the contract and in which the policyholder assumes the risks of these investments.

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Hello, from my CaixaBank branch with which I am operating, they offered me a product called PIAS or PIES with a profitability of 2%. They told me that I could make periodical contributions or not and with total availability of the money (100%) in case of urgency and that if I took it all out, I would only be penalized the interest.
That if you must be clear that you want to receive an annuity, otherwise you will be taxed as in any savings instrument for the income generated as income from movable capital, up to 19% if you do not exceed 6,000 € of yield, $ 21 up to 50,000 € and 23% above this amount.
The interest rate of 2% pay attention because it is very possible that it is the technical interest or interest in a period of time of 3 or 6 months and in the whole term of the contract it can be much lower, at least the net that you are really going to receive. It is not that it is not a good product but that they explain its characteristics well.