{"id":121495,"date":"2025-03-06T12:58:38","date_gmt":"2025-03-06T11:58:38","guid":{"rendered":"https:\/\/aseryde.com\/?p=121495"},"modified":"2025-03-06T12:58:58","modified_gmt":"2025-03-06T11:58:58","slug":"a-partir-de-enero-de-2025-podran-rescatarse-las-aportaciones-de-los-planes-de-pensiones-con-10-anos-de-antiguedad","status":"publish","type":"post","link":"https:\/\/aseryde.com\/en\/a-partir-de-enero-de-2025-podran-rescatarse-las-aportaciones-de-los-planes-de-pensiones-con-10-anos-de-antiguedad\/","title":{"rendered":"From January 2025, contributions from pension plans with 10 years of seniority can be withdrawn"},"content":{"rendered":"
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As of January 1, 2025, a new liquidity scenario for pension plans will come into effect: you will be able to request a refund of contributions that have been invested for at least 10 years, without having to justify any special reason. This right is added to other situations that allow redemption, such as long-term unemployment, work incapacity or retirement.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\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

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How does this new liquidity right work?<\/b><\/h3>\n

According to article 9.4 of the Regulation of Pension Plans and Funds, those who have a pension plan may have, in whole or in part, the contributions with <\/span>at least 10 years old<\/b>.<\/span><\/p>\n

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  • From January 1, 2025<\/b>, the amounts contributed up to the date may be withdrawn <\/span>December 31, 2015<\/b>, together with the profits generated, without the need to justify contingency.<\/span><\/li>\n
  • In 2026<\/b>For example, the amounts contributed up to the date of the <\/span>December 31, 2016<\/b>, and so on in the following years.<\/span><\/li>\n<\/ul>\n

    Can I continue contributing after a withdrawal?<\/b><\/h3>\n

    Yes. If you decide to withdraw part of your pension plan for this reason, <\/span>You can continue making contributions<\/b> to cover possible future contingencies. The withdrawal does not close the plan, it simply allows you to access your savings when they are 10 years old.<\/span><\/p>\n

    How is the rescue taxed?<\/b><\/h3>\n

    From a tax point of view, when withdrawing these contributions of more than 10 years, the taxation is the same as that of a withdrawal upon retirement:<\/span><\/p>\n

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    • The amount you receive is integrated into your <\/span>general taxable base of personal income tax<\/b> as employment income in the year in which you make the withdrawal.<\/span><\/li>\n
    • This can cause your tax rate to increase, so it is advisable <\/span>plan and study<\/b> the right time to proceed with the rescue.<\/span><\/li>\n<\/ul>\n

      Contact us at Aseryde<\/b><\/h3>\n

      If you are considering withdrawing your pension plan and you do not know which is the best option for you, <\/span>At Aseryde we are at your disposal<\/b>Our team of tax, labor and accounting advisors can help you:<\/span><\/p>\n

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      • Plan the best rescue strategy to reduce the tax burden.<\/span><\/li>\n
      • Perform simulations in your personal income tax return.<\/span><\/li>\n
      • Resolve any questions you may have about legal and tax developments.<\/span><\/li>\n<\/ul>\n

        Contact us before taking any step, and you will be able to <\/span>enjoy your savings<\/b> with the utmost tranquility and <\/span>lower tax cost<\/b> possible.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\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":"

        Starting January 1, 2025, a new liquidity requirement for pension plans will come into effect: you can request reimbursement of contributions that have been invested for at least 10 years, without needing to justify any special reason. This right is in addition to other situations that allow redemption, such as unemployment [\u2026]<\/p>","protected":false},"author":2,"featured_media":121496,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_theme","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-121495","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria"],"_links":{"self":[{"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/posts\/121495","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/comments?post=121495"}],"version-history":[{"count":4,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/posts\/121495\/revisions"}],"predecessor-version":[{"id":121508,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/posts\/121495\/revisions\/121508"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/media\/121496"}],"wp:attachment":[{"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/media?parent=121495"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/categories?post=121495"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/tags?post=121495"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}