{"id":93975,"date":"2025-10-01T10:54:55","date_gmt":"2025-10-01T08:54:55","guid":{"rendered":"https:\/\/lladogrup.com\/?p=93975"},"modified":"2025-10-01T11:48:22","modified_gmt":"2025-10-01T09:48:22","slug":"rescate-plan-de-pensiones-2025","status":"publish","type":"post","link":"https:\/\/lladogrup.com\/es\/rescate-plan-de-pensiones-2025\/","title":{"rendered":"Rescate su plan de pensiones en el a\u00f1o 2025"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=\u00bb.vc_custom_1631109896967{padding-bottom: 20px !important;}\u00bb][vc_column][vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"text-align: justify;\"><b>\u00bfSab\u00eda que ya puede rescatar su plan de pensiones?<\/b><\/p>\n<p style=\"text-align: justify;\"><b>A partir del 1 de enero de 2025, se abri\u00f3 una nueva posibilidad para los part\u00edcipes de planes de pensiones, pudiendo rescatar libremente las aportaciones realizadas con una antig\u00fcedad m\u00ednima de 10 a\u00f1os, sin necesidad de que concurra ninguna contingencia ordinaria (como jubilaci\u00f3n o incapacidad).<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Esta opci\u00f3n se conoce como <\/span><b>ventana de liquidez extraordinaria<\/b><span style=\"font-weight: 400;\">, y permite disponer del plan como si fuera un ahorro a largo plazo, manteniendo, eso s\u00ed, sus implicaciones fiscales.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1631109361052{padding-bottom: 20px !important;}\u00bb][vc_column]<div id=\"ultimate-heading-622769d12a137bae8\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-622769d12a137bae8 uvc-818 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-622769d12a137bae8 h2'  data-responsive-json-new='{\"font-size\":\"desktop:24px;\",\"line-height\":\"\"}' ><h2 style=\"font-weight:bold;color:#fe5d3a;margin-bottom:20px;\">\u00bfEn qu\u00e9 casos se puede rescatar un plan de pensiones?<\/h2><\/div><\/div>[vc_column_text css=\u00bb\u00bb]<span style=\"font-weight: 400;\">Existen dos grandes categor\u00edas que habilitan el rescate:<\/span><\/p>\n<ol>\n<li><b> Contingencias ordinarias<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Jubilaci\u00f3n<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Incapacidad laboral permanente<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fallecimiento<\/b><span style=\"font-weight: 400;\"> del part\u00edcipe o beneficiario<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Situaciones de dependencia severa o gran dependencia<\/b><span style=\"font-weight: 400;\"> (seg\u00fan Ley 39\/2006)<\/span><\/li>\n<\/ul>\n<ol start=\"2\">\n<li><b> Supuestos excepcionales de liquidez<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Enfermedad grave<\/b><span style=\"font-weight: 400;\"> del part\u00edcipe, c\u00f3nyuge o familiar dependiente<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Desempleo de larga duraci\u00f3n<\/b><\/li>\n<li style=\"font-weight: 400; text-align: justify;\" aria-level=\"1\"><b>Antig\u00fcedad de 10 a\u00f1os<\/b><span style=\"font-weight: 400;\">: a partir de 2025, se podr\u00e1n rescatar las aportaciones realizadas hasta 2015, y sucesivamente las que cumplan dicha antig\u00fcedad en a\u00f1os posteriores.<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1631109896967{padding-bottom: 20px !important;}\u00bb][vc_column][vc_btn title=\u00bbAsesoramiento plan de pensiones\u00bb color=\u00bbdanger\u00bb size=\u00bblg\u00bb align=\u00bbcenter\u00bb i_icon_fontawesome=\u00bbfa fa-solid fa-computer-mouse\u00bb css=\u00bb.vc_custom_1759308312033{margin-bottom: 40px !important;}\u00bb add_icon=\u00bbtrue\u00bb link=\u00bburl:https%3A%2F%2Flladogrup.com%2Fes%2Fparticulares%2F|target:_blank\u00bb][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1631109361052{padding-bottom: 20px !important;}\u00bb][vc_column]<div id=\"ultimate-heading-158469d12a137bba9\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-158469d12a137bba9 uvc-7539 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-158469d12a137bba9 h2'  data-responsive-json-new='{\"font-size\":\"desktop:24px;\",\"line-height\":\"\"}' ><h2 style=\"font-weight:bold;color:#fe5d3a;margin-bottom:20px;\">\u00bfC\u00f3mo tributa el rescate de un plan de pensiones?<\/h2><\/div><\/div>[vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">El rescate de un plan de pensiones <\/span><b>tributa en el IRPF como rendimiento del trabajo<\/b><span style=\"font-weight: 400;\">, al igual que una n\u00f3mina o pensi\u00f3n. Por tanto, su<\/span><b> impacto fiscal <\/b><span style=\"font-weight: 400;\">depender\u00e1 del <\/span><b>importe rescatado<\/b><span style=\"font-weight: 400;\"> y del <\/span><b>resto de ingresos<\/b><span style=\"font-weight: 400;\"> del contribuyente ese a\u00f1o.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=\u00bb2\/3&#8243;][vc_single_image image=\u00bb93980&#8243; img_size=\u00bbfull\u00bb css=\u00bb\u00bb][\/vc_column][vc_column width=\u00bb1\/3&#8243;]<div id=\"ultimate-heading-236469d12a137bc19\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-236469d12a137bc19 uvc-6119  uvc-heading-default-font-sizes\" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-236469d12a137bc19 h3'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}' ><h3 style=\"font-weight:bold;color:#fe5d3a;\">Subscr\u00edbete a nuestra newsletter<\/h3><\/div><\/div>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f87567-o1\" lang=\"ca\" dir=\"ltr\" data-wpcf7-id=\"87567\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/es\/wp-json\/wp\/v2\/posts\/93975#wpcf7-f87567-o1\" method=\"post\" class=\"wpcf7-form init 98099fcddabd cmatic-conn cmatic-aud-0 cmatic-mapd0-0 cmatic-v0976 cmatic-sent-0 cmatic-total-529\" aria-label=\"Formulari de contacte\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"87567\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"ca\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f87567-o1\" 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class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"167\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n[\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1631109361052{padding-bottom: 20px !important;}\u00bb][vc_column]<div id=\"ultimate-heading-114369d12a13c1350\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-114369d12a13c1350 uvc-485 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-114369d12a13c1350 h2'  data-responsive-json-new='{\"font-size\":\"desktop:24px;\",\"line-height\":\"\"}' ><h2 style=\"font-weight:bold;color:#fe5d3a;margin-bottom:20px;\">Modalidades de cobro y su tratamiento<\/h2><\/div><\/div>[vc_column_text css=\u00bb\u00bb]<\/p>\n<table style=\"height: 200px;\" width=\"772\">\n<thead>\n<tr>\n<th><b>Forma de cobro<\/b><\/th>\n<th><b>Tributaci\u00f3n<\/b><\/th>\n<th><b>Comentario relevante<\/b><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><b>Renta peri\u00f3dica<\/b><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">En cada ejercicio fisca<\/span><span style=\"font-weight: 400;\">l<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Suaviza impacto fiscal anual<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><b>Cobro en capital<\/b><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Total o parcial en un solo pago<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Puede aplicar una reducci\u00f3n del 40%, si se cumplen <\/span><span style=\"font-weight: 400;\">ciertos requisitios<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><b>Mix (renta + capital)<\/b><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Combinaci\u00f3n de ambas<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Permite optimizar fiscalmente el rescate<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\"><b>Reducci\u00f3n del 40%<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Podr\u00e1 aplicar una <\/span><b>reducci\u00f3n del 40%<\/b><span style=\"font-weight: 400;\"> sobre el importe rescatado en forma de capital si:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">El rescate se produce por jubilaci\u00f3n, y<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">El capital corresponde a aportaciones <\/span><b>anteriores al 31 de diciembre de 2006<\/b><span style=\"font-weight: 400;\">, y<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">El rescate se realiza <\/span><b>dentro de los dos a\u00f1os siguientes a la jubilaci\u00f3n<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><b>Importante:<\/b><span style=\"font-weight: 400;\"> Si se supera ese plazo, se pierde el derecho a la reducci\u00f3n. Tambi\u00e9n conviene planificarlo con antelaci\u00f3n para evitar saltos de tramo en la escala del IRPF.<\/span><\/p>\n<p><b>Recomendaci\u00f3n fiscal<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Desde nuestro despacho, recomendamos que antes de solicitar el rescate:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Se analizan los ingresos totales del a\u00f1o,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Se eval\u00faan la forma m\u00e1s eficiente de rescate,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Y se considera el impacto fiscal conjunto.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Una buena planificaci\u00f3n puede suponer <\/span><b>miles de euros de ahorro en impuestos<\/b><span style=\"font-weight: 400;\">.<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=\u00bbstretch_row\u00bb bg_type=\u00bbimage\u00bb bg_override=\u00bbfull\u00bb css=\u00bb.vc_custom_1704903641721{margin-bottom: 30px !important;background-color: #fff2ed !important;}\u00bb][vc_column][vc_row_inner css=\u00bb.vc_custom_1704899436080{margin-bottom: 30px !important;}\u00bb][vc_column_inner css=\u00bb.vc_custom_1704899344593{padding-right: 25px !important;padding-left: 30px !important;}\u00bb][vc_column_text css=\u00bb\u00bb]<\/p>\n<h3 class=\"form-control second-textarea\" style=\"text-align: center;\"><strong>\u00bfTienes dudas sobre <b>el rescate de plan de pensiones<\/b>?<\/strong><\/h3>\n<p>[\/vc_column_text][vc_column_text][\/vc_column_text]\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f4-o2\" lang=\"es-ES\" dir=\"ltr\" data-wpcf7-id=\"4\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/es\/wp-json\/wp\/v2\/posts\/93975#wpcf7-f4-o2\" method=\"post\" class=\"wpcf7-form init 98099fcddabd cmatic-conn cmatic-aud-0 cmatic-mapd0-0 cmatic-v0976 cmatic-sent-0 cmatic-total-529\" aria-label=\"Formulario de contacto\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"4\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"es_ES\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f4-o2\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label>Nombre*<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Escribe tu nombre y apellidos\" value=\"\" 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Consultor.\n<\/p>\n<p><span style=\"margin-top: 10px;\"><\/span>\n<\/p>\n\n<p><span style=\"margin-bottom: 10px;\"><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enviar\" \/>\n<\/p><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_2\" name=\"_wpcf7_ak_js\" value=\"250\"\/><script>document.getElementById( \"ak_js_2\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1631109361052{padding-bottom: 20px !important;}\u00bb][vc_column]<div id=\"ultimate-heading-59969d12a13c42e5\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-59969d12a13c42e5 uvc-3393 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-59969d12a13c42e5 h2'  data-responsive-json-new='{\"font-size\":\"desktop:24px;\",\"line-height\":\"\"}' ><h2 style=\"font-weight:bold;color:#fe5d3a;margin-bottom:20px;\">\u00bfTiene dudas sobre su plan de pensiones?<\/h2><\/div><\/div>[vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Si tiene un <\/span><b>plan de pensiones con antig\u00fcedad de 10 a\u00f1os o m\u00e1s<\/b><span style=\"font-weight: 400;\">, o si se encuentra en una de las situaciones que permiten su rescate, cons\u00faltenos. Le ayudaremos a:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verificar las condiciones de su plan,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Calcular el impacto fiscal del rescate,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Elegir la mejor forma de cobro,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Y gestionar la documentaci\u00f3n necesaria ante su entidad gestora.<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=\u00bb.vc_custom_1631109361052{padding-bottom: 20px !important;}\u00bb][vc_column]<div id=\"ultimate-heading-686169d12a13c43a9\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-686169d12a13c43a9 uvc-5811 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-686169d12a13c43a9 h2'  data-responsive-json-new='{\"font-size\":\"desktop:24px;\",\"line-height\":\"\"}' ><h2 style=\"font-weight:bold;color:#fe5d3a;margin-bottom:20px;\">C\u00f3mo puede ayudarte el equipo de Llad\u00f3 Grup Consultor<\/h2><\/div><\/div>[vc_column_text css=\u00bb\u00bb]<\/p>\n<div class=\"traductor-textarea form-group\">\n<div class=\"textarea-desti col-xs-12 col-sm-6\">\n<div class=\"form-control second-textarea\" style=\"text-align: justify;\">Si est\u00e1 pensando en hacer un <strong>rescate de su plan de pensiones este 2025<\/strong>, es importante que conozca los<strong> beneficios y obligaciones<\/strong>, es por eso que desde <strong>Llad\u00f3 Grup Consultor<\/strong> le ofrecemos un equipo especializado que le asesorar\u00e1 y acompa\u00f1ar\u00e1 en el proceso.<\/div>\n<\/div>\n<\/div>\n<div class=\"traductor-checkbox form-group\">\n<div class=\"row\">\n<div class=\"col-sm-offset-2 col-sm-5\"><\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row css=\u00bb.vc_custom_1631109896967{padding-bottom: 20px !important;}\u00bb][vc_column][vc_column_text css=\u00bb\u00bb] \u00bfSab\u00eda que ya puede rescatar su plan de pensiones? A partir del 1 de enero de 2025, se abri\u00f3 una nueva posibilidad para los part\u00edcipes de planes de pensiones, pudiendo rescatar libremente las aportaciones realizadas con una antig\u00fcedad m\u00ednima de 10 a\u00f1os, sin necesidad de que concurra ninguna contingencia ordinaria&hellip;<\/p>\n","protected":false},"author":2,"featured_media":93978,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[614,613,622,615,626,616,2195,617],"tags":[],"class_list":["post-93975","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-autonomos","category-clientes","category-fiscal-es","category-gran-empresa-es","category-laboral-es","category-particulares","category-patrimonial-es","category-pymes","category-614","category-613","category-622","category-615","category-626","category-616","category-2195","category-617","description-off"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - 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