{"id":20349,"date":"2025-12-17T11:28:28","date_gmt":"2025-12-17T10:28:28","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=20349"},"modified":"2025-12-17T11:29:59","modified_gmt":"2025-12-17T10:29:59","slug":"reinversio-de-guanys-patrimonials-en-rendes-vitalicies","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/ca\/blog\/reinversion-de-ganancias-patrimoniales-en-rentas-vitalicias\/","title":{"rendered":"Com aprofitar la reinversi\u00f3 de guanys patrimonials en una renda vital\u00edcia si tens m\u00e9s de 65 anys"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"20349\" class=\"elementor elementor-20349\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-365f2a90 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"365f2a90\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&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-69eb241c\" data-id=\"69eb241c\" 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-105a519a elementor-widget elementor-widget-text-editor\" data-id=\"105a519a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1><b><span data-contrast=\"auto\">Com aprofitar la reinversi\u00f3 de guanys patrimonials en rendes vital\u00edcies si tens m\u00e9s de 65 anys<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h1><p><b><span data-contrast=\"auto\">Si teniu m\u00e9s de 65 anys i planegeu vendre un b\u00e9 (immoble diferent del vostre habitatge habitual, empresa o fons d&#039;inversi\u00f3), la llei espanyola us permet l&#039;exempci\u00f3 total de l&#039;IRPF sobre els guanys patrimonials generats.<\/span><\/b><span data-contrast=\"auto\"> Aix\u00f2 \u00e9s possible mitjan\u00e7ant la reinversi\u00f3 de guanys patrimonials en rendes vital\u00edcies<\/span><span data-contrast=\"auto\">\u00a0abans de sis mesos des de la transmissi\u00f3. Aquesta \u00e9s la\u00a0<\/span><b><span data-contrast=\"auto\">estrat\u00e8gia patrimonial<\/span><\/b><span data-contrast=\"auto\">\u00a0m\u00e9s eficient i utilitzada a Espanya per\u00a0<\/span><b><span data-contrast=\"auto\">evitar pagar impostos<\/span><\/b><span data-contrast=\"auto\">\u00a0despr\u00e9s de la venda dactius importants.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Des de\u00a0<\/span><b><span data-contrast=\"auto\">PIB Group Iberia<\/span><\/b><span data-contrast=\"auto\">, com a corredoria independent especialitzada en solucions asseguradores per a particulars, ajudem a identificar les opcions de renda vital\u00edcia disponibles ia planificar correctament la reinversi\u00f3 per no perdre els beneficis fiscals.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><h2>\u00a0<\/h2><h2><b><span data-contrast=\"auto\">Quins beneficis fiscals ofereix la reinversi\u00f3 en rendes vital\u00edcies per a majors de 65 anys<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2><p><span data-contrast=\"auto\">La normativa estableix un avantatge clau:<\/span> <b><span data-contrast=\"auto\">el guany patrimonial pot quedar totalment exempt de tributaci\u00f3 a IRPF<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><h3><b><span data-contrast=\"auto\">Condicions b\u00e0siques de l&#039;exempci\u00f3:<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3><p><span data-contrast=\"auto\">Per beneficiar-se de l&#039;exempci\u00f3 fiscal, cal complir els requisits seg\u00fcents:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><ul><li><span data-contrast=\"auto\">Tenir 65 anys o m\u00e9s al moment de la transmissi\u00f3.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Reinvertir l&#039;import obtingut en una asseguran\u00e7a de renda vital\u00edcia.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">El l\u00edmit m\u00e0xim exempt \u00e9s de <\/span><b><span data-contrast=\"auto\">240000 euros<\/span><\/b><span data-contrast=\"auto\">\u00a0per contribuent.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">La reinversi\u00f3 s&#039;ha de fer en un termini m\u00e0xim de <\/span><b><span data-contrast=\"auto\">6 mesos<\/span><\/b><span data-contrast=\"auto\">\u00a0des de la venda.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">El contracte s&#039;ha de constituir com <\/span><b><span data-contrast=\"auto\">renda vital\u00edcia<\/span><\/b><span data-contrast=\"auto\">, no temporal.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">La persona contribuent ha de figurar necess\u00e0riament com a benefici\u00e0ria.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">Aquestes condicions estan recollides a la normativa vigent d&#039;IRPF, publicada per la <a href=\"https:\/\/sede.agenciatributaria.gob.es\" target=\"_blank\" rel=\"noopener\">Ag\u00e8ncia Tribut\u00e0ria<\/a>.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><h2>\u00a0<\/h2><h2><b><span data-contrast=\"auto\">Per qu\u00e8 les assegurances de renda vital\u00edcia s\u00f3n clau en aquesta planificaci\u00f3<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2><p><span data-contrast=\"auto\">L&#039;asseguran\u00e7a de renda vital\u00edcia permet convertir el capital reinvertit en\u00a0<\/span><b><span data-contrast=\"auto\">ingressos garantits de per vida<\/span><\/b><span data-contrast=\"auto\">. \u00c9s una eina especialment \u00fatil en edats avan\u00e7ades perqu\u00e8 combina\u00a0<\/span><b><span data-contrast=\"auto\">fiscalitat favorable<\/span><\/b><span data-contrast=\"auto\">,\u00a0<\/span><b><span data-contrast=\"auto\">estabilitat financera<\/span><\/b><span data-contrast=\"auto\">\u00a0y\u00a0<\/span><b><span data-contrast=\"auto\">protecci\u00f3 davant la longevitat<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><h3>\u00a0<\/h3><h3><b><span data-contrast=\"auto\">Avantatges asseguradors rellevants<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><ul><li><span data-contrast=\"auto\">Garantia de cobrament mensual de per vida.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Tipologies flexibles de renda: constant, creixent o amb reversi\u00f3.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Major efici\u00e8ncia fiscal durant el cobrament de la renda.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">No requereix gesti\u00f3 activa per part del client.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Permet optimitzar la successi\u00f3 patrimonial.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><\/ul><h2>\u00a0<\/h2><h2><b><span data-contrast=\"auto\">Com acompanyem des de PIB Group Iberia en aquest proc\u00e9s<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2><p><span data-contrast=\"auto\">A PIB Group Iberia oferim assessorament personalitzat per a:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><ul><li><span data-contrast=\"auto\">Analitzar loperaci\u00f3 de venda i el guany patrimonial generat.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Definir lestrat\u00e8gia fiscal m\u00e9s adequada dins del marc legal espanyol.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Comparar les rendes vital\u00edcies de diferents asseguradores l\u00edders del mercat.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Assegurar que la reinversi\u00f3 compleix tots els requisits dins el termini legal.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li><span data-contrast=\"auto\">Optimitzar el disseny de la renda vital\u00edcia segons les necessitats de liquiditat i successi\u00f3.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">Pots consultar les nostres solucions asseguradores per a particulars a l&#039;\u00e0rea de\u00a0<\/span><b><span data-contrast=\"auto\">Estalvi i Vida<\/span><\/b><span data-contrast=\"auto\">\u00a0a trav\u00e9s d&#039;aquest enlla\u00e7 intern:<\/span>\u00a0<\/p><p style=\"text-align: center;\"><a href=\"\/ca\/particulars\/ahorro-inversion\/\"><b><span data-contrast=\"auto\">Asseguran\u00e7a d&#039;Estalvi Garantit de PIB Group Iberia<\/span><\/b><\/a>\u00a0<\/p><h2>\u00a0<\/h2><h2><b><span data-contrast=\"auto\">Exemples pr\u00e0ctics d&#039;aplicaci\u00f3 de l&#039;exempci\u00f3<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\"> mitjan\u00e7ant la reinversi\u00f3 dels guanys patrimonials en rendes vital\u00edcies<\/span><\/h2><h3>\u00a0<\/h3><h3><b><span data-contrast=\"auto\">Venda d&#039;accions o fons d&#039;inversi\u00f3<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3><p>L&#039;exempci\u00f3 per reinversi\u00f3 en renda vital\u00edcia \u00e9s ideal per a carteres d&#039;inversi\u00f3 que han acumulat grans guanys al llarg dels anys. \u00c9s una estrat\u00e8gia financera molt eficient, ja que permet mantenir el capital de manera vital\u00edcia sense passar per Hisenda al moment de la transmissi\u00f3.<\/p><h3>\u00a0<\/h3><h3><b><span data-contrast=\"auto\">Venda d&#039;empresa o negoci familiar<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3><p>Aquesta \u00e9s, de lluny, l?operaci\u00f3 on l?impacte fiscal de la renda vital\u00edcia \u00e9s m\u00e9s significatiu. La venda d&#039;una pime o un negoci familiar sol generar quantiosos guanys patrimonials que, sense aquesta eina, tributarien a tipus elevats. La renda vital\u00edcia permet garantir una pensi\u00f3 peri\u00f2dica al soci\/propietari sortint, mantenint la liquiditat de lempresa (si la venda \u00e9s a un tercer) o del patrimoni familiar.<\/p><p><b><span data-contrast=\"auto\">Parla amb un assessor especialitzat i sol\u00b7licita <a href=\"\/ca\/corporatiu\/contacte\/\">aqu\u00ed<\/a> la teva simulaci\u00f3 gratu\u00efta sense comprom\u00eds.<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\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>","protected":false},"excerpt":{"rendered":"<p>Quina \u00e9s la millor asseguran\u00e7a de vida a Espanya? Llista amb les asseguradores m\u00e9s competitives en qualitat-preu en assegurances de vida. Troba el teu!<\/p>","protected":false},"author":8,"featured_media":20351,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":4.8,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"CreativeWorkSeries","footnotes":""},"categories":[16,152],"tags":[282],"class_list":["post-20349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-particulares","category-profesionales","tag-private-life"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/posts\/20349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/comments?post=20349"}],"version-history":[{"count":0,"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/posts\/20349\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/media\/20351"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/media?parent=20349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/categories?post=20349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/tags?post=20349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}