{"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":"reinvestimento-de-plusvalias-en-anuidades-de-vida","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/gl\/reinversion-de-ganancias-patrimoniales-en-rentas-vitalicias\/","title":{"rendered":"Como aproveitar a reinversi\u00f3n de plusval\u00edas nunha renda vitalicia se tes m\u00e1is de 65 anos"},"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\">Como aproveitar a reinversi\u00f3n de plusval\u00edas en anuidades se tes m\u00e1is de 65 anos<\/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\">Se tes m\u00e1is de 65 anos e planeas vender un activo (unha propiedade distinta da t\u00faa residencia principal, un negocio ou fondos de investimento), a lei espa\u00f1ola perm\u00edteche estar totalmente exento do imposto sobre a renda polas plusval\u00edas xeradas.<\/span><\/b><span data-contrast=\"auto\"> Isto \u00e9 posible reinvestindo as plusval\u00edas en anuidades de vida.<\/span><span data-contrast=\"auto\">\u00a0dentro de seis meses da transmisi\u00f3n. Isto \u00e9 o\u00a0<\/span><b><span data-contrast=\"auto\">estratexia de xesti\u00f3n de activos<\/span><\/b><span data-contrast=\"auto\">\u00a0m\u00e1is eficiente e de uso m\u00e1is estendido en Espa\u00f1a para\u00a0<\/span><b><span data-contrast=\"auto\">evitar pagar impostos<\/span><\/b><span data-contrast=\"auto\">\u00a0tras a venda de activos significativos.<\/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\">De\u00a0<\/span><b><span data-contrast=\"auto\">PIB Grupo Iberia<\/span><\/b><span data-contrast=\"auto\">, Como corredur\u00eda independente especializada en soluci\u00f3ns de seguros para particulares, axudamos a identificar as opci\u00f3ns de anuidades dispo\u00f1ibles e a planificar correctamente o reinvestimento para que non se perdan os beneficios fiscais.<\/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\">Que beneficios fiscais ofrece a reinversi\u00f3n en anuidades para persoas maiores de 65 anos?<\/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\">Os regulamentos establecen unha vantaxe clave:<\/span> <b><span data-contrast=\"auto\">As plusval\u00edas poden estar totalmente exentas do imposto sobre a renda das persoas f\u00edsicas.<\/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\">Condici\u00f3ns b\u00e1sicas para a exenci\u00f3n:<\/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\">Para beneficiarse da exenci\u00f3n fiscal, deben cumprirse os seguintes requisitos:<\/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\">Ter 65 anos de idade ou m\u00e1is no momento da transferencia.<\/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 a cantidade obtida nunha p\u00f3liza de seguro de renda vitalicia.<\/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\">O l\u00edmite m\u00e1ximo de exenci\u00f3n \u00e9 <\/span><b><span data-contrast=\"auto\">240.000 euros<\/span><\/b><span data-contrast=\"auto\">\u00a0por contribu\u00ednte.<\/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\">A reinversi\u00f3n debe realizarse nun per\u00edodo m\u00e1ximo de <\/span><b><span data-contrast=\"auto\">seis meses<\/span><\/b><span data-contrast=\"auto\">\u00a0da 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\">O contrato debe constitu\u00edrse como <\/span><b><span data-contrast=\"auto\">Anuidade vitalicia<\/span><\/b><span data-contrast=\"auto\">, non 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\">O contribu\u00ednte debe necesariamente figurar como beneficiario.<\/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\">Estas condici\u00f3ns establ\u00e9cense na normativa vixente do imposto sobre a renda das persoas f\u00edsicas, publicada por <a href=\"https:\/\/sede.agenciatributaria.gob.es\" target=\"_blank\" rel=\"noopener\">Agencia Tributaria<\/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\">Por que o seguro de rendas \u00e9 clave para esta planificaci\u00f3n<\/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\">Unha p\u00f3liza de seguro de rendas permite converter o capital reinvestido en\u00a0<\/span><b><span data-contrast=\"auto\">ingreso garantido de por vida<\/span><\/b><span data-contrast=\"auto\">. \u00c9 unha ferramenta especialmente \u00fatil para as persoas maiores porque combina\u00a0<\/span><b><span data-contrast=\"auto\">fiscalidade favorable<\/span><\/b><span data-contrast=\"auto\">,\u00a0<\/span><b><span data-contrast=\"auto\">estabilidade financeira<\/span><\/b><span data-contrast=\"auto\">\u00a0y\u00a0<\/span><b><span data-contrast=\"auto\">protecci\u00f3n contra a lonxevidade<\/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\">Beneficios de seguro pertinentes<\/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\">Pago mensual garantido de por 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\">Tipos flexibles de ingresos: constantes, crecentes ou con reversi\u00f3n.<\/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\">Maior eficiencia fiscal durante a recadaci\u00f3n do aluguer.<\/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\">Non se require ningunha xesti\u00f3n activa por parte do cliente.<\/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\">Permite a optimizaci\u00f3n da sucesi\u00f3n 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\">Como no PIB Group Iberia vos apoiamos ao longo de todo este proceso<\/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\">En PIB Group Iberia, ofrecemos asesoramento personalizado para:<\/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\">Analiza a transacci\u00f3n de venda e a plusval\u00eda xerada.<\/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 a estratexia fiscal m\u00e1is adecuada dentro do marco legal espa\u00f1ol.<\/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\">Compara anuidades de diferentes aseguradoras l\u00edderes do mercado.<\/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\">Aseg\u00farate de que o reinvestimento cumpra todos os requisitos dentro do prazo 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\">Optimizar o dese\u00f1o da anuidade de vida segundo as necesidades de liquidez e sucesi\u00f3n.<\/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\">Podes consultar as nosas soluci\u00f3ns de seguros para particulares na \u00e1rea de\u00a0<\/span><b><span data-contrast=\"auto\">Aforros e Vida<\/span><\/b><span data-contrast=\"auto\">\u00a0a trav\u00e9s desta ligaz\u00f3n interna:<\/span>\u00a0<\/p><p style=\"text-align: center;\"><a href=\"\/gl\/particulares\/ahorro-inversion\/\"><b><span data-contrast=\"auto\">Seguro de aforro garantido de PIB Group Iberia<\/span><\/b><\/a>\u00a0<\/p><h2>\u00a0<\/h2><h2><b><span data-contrast=\"auto\">Exemplos pr\u00e1cticos de aplicaci\u00f3n da exenci\u00f3n<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\"> reinvestindo as plusval\u00edas en anuidades de vida<\/span><\/h2><h3>\u00a0<\/h3><h3><b><span data-contrast=\"auto\">Venda de acci\u00f3ns ou fondos de investimento<\/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>A exenci\u00f3n para a reinversi\u00f3n en anuidades de vida \u00e9 ideal para carteiras de investimento que acumularon grandes ganancias ao longo dos anos. \u00c9 unha estratexia financeira moi eficiente, xa que permite manter o capital de por vida sen pasar polas autoridades fiscais no momento da transferencia.<\/p><h3>\u00a0<\/h3><h3><b><span data-contrast=\"auto\">Venda dunha empresa ou dun negocio 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>Esta \u00e9, con diferenza, a transacci\u00f3n na que o impacto fiscal da rendas vitalicia \u00e9 m\u00e1is significativo. A venda dunha pemea ou dunha empresa familiar xera a mi\u00fado plusval\u00edas considerables que, sen esta ferramenta, estar\u00edan suxeitas a tipos impositivos elevados. A anuidade vitalicia garante unha pensi\u00f3n regular para o socio ou propietario que se retira, mentres mant\u00e9n a liquidez da empresa (se a venda se realiza a un terceiro) ou os activos familiares.<\/p><p><b><span data-contrast=\"auto\">Fale cun asesor especialista e solicite <a href=\"\/gl\/corporativo\/contacto\/\">aqu\u00ed<\/a> a t\u00faa simulaci\u00f3n gratu\u00edta e sen compromiso.<\/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>Cal \u00e9 o mellor seguro de vida en Espa\u00f1a? Unha lista das compa\u00f1\u00edas de seguros de vida m\u00e1is competitivas en termos de relaci\u00f3n calidade-prezo. Atopa o 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\/gl\/wp-json\/wp\/v2\/posts\/20349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/gl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/gl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/gl\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/gl\/wp-json\/wp\/v2\/comments?post=20349"}],"version-history":[{"count":0,"href":"https:\/\/pibgroupiberia.com\/gl\/wp-json\/wp\/v2\/posts\/20349\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/gl\/wp-json\/wp\/v2\/media\/20351"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/gl\/wp-json\/wp\/v2\/media?parent=20349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/gl\/wp-json\/wp\/v2\/categories?post=20349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/gl\/wp-json\/wp\/v2\/tags?post=20349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}