If you are looking to save, we recommend that you go beyond the typical piggy bank at home or accumulating money in your bank account without doing anything with it. To really save optimally, it pays to look for tax-advantaged savings products.<\/p>\n
That is why we recommend that you consider the savings products we are going to talk about today, as they can also offer you interesting tax savings.<\/p>\n
To make your decision easier, we offer you 4 savings products that offer the best tax advantages with the highest profitability and minimum permanence, and we explain their benefits. To make everything easier for you.<\/p>\n
A pension plan<\/a> and guaranteed pension plans (PPAs) are an interesting way of saving.<\/p>\n As well as helping you to supplement your retirement pension, pension plans allow savings to be made on tax returns<\/em>.<\/p>\n And it is that it is a tax-advantaged product<\/strong>, which is deductible from the IRPF taxable base up to a limit of 8,000 euros per year.<\/p>\n REVIEW January 2021: contributions to Individual Pension Plans have been limited to 2,000 \u20ac\/year.<\/p><\/blockquote>\n You already know that the pension plan is fed by the periodic or extraordinary contributions that you make. So, in addition to the financial profitability of the product itself, there is also the tax saving we have mentioned.<\/p>\n This means that for an annual contribution of 1,000 euros, you can save up to 500 euros on your tax return in the highest brackets. That is why the tax savings in the pension plan are very interesting.<\/p>\n Click here to see our Pension Plans and our Insured Pension Plans<\/a>.<\/p>\n Another interesting option is the product called PIAS<\/a><\/strong>. Individual savings plans are also suitable, as they offer attractive tax advantages.<\/p>\n This long-term savings plan means that, five years after it has been taken out, it can be withdrawn in the form of an annuity without being taxed on all the profit you have generated.<\/p>\n Although the tax advantage is after 5 years of the product's life, most of them have liquidity after one year from the date they are taken out. It is a savings plan with interesting taxation, very flexible, and its maximum annual contribution is \u20ac8,000.\u00a0<\/strong><\/p>\n The Individual Long-Term Savings Insurance (SIALP)<\/strong> is a flexible savings system that allows us to invest money with a specific frequency and generate returns.<\/p>\n It does not seem very different from the other savings products we have seen, but it has several particularities that make it very attractive:<\/p>\n It is the most popular savings plan<\/strong> at the moment. Both for its profitability and its favourable taxation.<\/p><\/blockquote>\n And finally, we would like to refer to life annuities as a way of channelling our accumulated savings over the years.<\/p>\n As we have pointed out in previous articles, a annuity insurance<\/a><\/strong> is a savings product generally aimed at people over 60 years of age who want to have a financial supplement to the retirement benefit they receive. It is a periodic income that is obtained for life, i.e. for life.<\/p>\n It has a very advantageous taxation, especially if we have sold a property and want to avoid paying tax on it, allocating the proceeds to an annuity.<\/p>\n Today, thanks to rising interest rates, we can offer you products with a return in excess of 3% per annum, which is quick to say.<\/p>\n And so much for our analysis of the best products with guaranteed returns<\/strong> y personal income tax benefits<\/strong>. Do you have doubts or are you not sure which one suits you best? From PIB Group Iberia<\/strong><\/a> we will guide you in choosing the savings products that best suit your conditions. Get in touch with contact with us<\/a> and we will help you to optimise your money with a full guarantee.<\/p>\n\n <\/p>","protected":false},"excerpt":{"rendered":" We tell you about the savings products that offer the best tax advantages with the highest returns.<\/p>","protected":false},"author":14,"featured_media":13166,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":4.9,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[16,152],"tags":[159],"class_list":["post-13165","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-particulares","category-profesionales","tag-productos-ahorro"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":1,"sum_votes":5},"_links":{"self":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/13165","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/comments?post=13165"}],"version-history":[{"count":0,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/13165\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media\/13166"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media?parent=13165"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/categories?post=13165"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/tags?post=13165"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Redemption of the PIAS in the form of an annuity<\/strong><\/h2>\n
The SIALP and the tax savings on bailing it out<\/strong><\/h2>\n
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Life annuity<\/strong><\/h2>\n
What is the most advantageous savings product for me?<\/h2>\n