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Importe total de las pensiones (media mensual, en millones de โ ฌ) 8.576,6

8.126,2

7.525,6 6.867,9 6.138,6 5.321,1

+15,4% 2006

+11,9%

+9,6%

2008

2010

+8% 2012

+5,5% 2014

2016

Fondo de reserva de la Seguridad Social (acumulado en millones de โ ฌ) 64.375

63.008

57.223 41.634

35.879

24.207 +59,5% 2006

+12,5% 2008

-2,1% 2010

Gasto en pensionesde jubilaciรณn

-33,9% 2012

-41,9% 2014

Jul 2016

Afiliados a la S. Social

(importe mensual en millones de โ ฌ)

18.770.259 6.040,6

17.712.020

3.526,5 +71% 2006

2016 (hasta julio)

-5,64% 2006

2016 (hasta julio)

Fuente: Ministerio de Empleo y Seguridad Social

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¿Qué ahorro consigo con 100 € al mes?

% de rentabilidad acumulada

Suma de cantidades ahorradas

26% 16%

8% 50 años 55 años 60 años Edad a la que empiezo a ahorrar

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Los mayores de 65 aรฑos

Previsiรณn de poblaciรณn residente en Espaรฑa (en millones de habitantes)

Paรญses con mayor al nacer (datos de 2

2014

18%

46,8 mill.

45,9

45,3

44,7

44

43,5

43

42,4

Japรณn 41,8

8,4 mill.

Poblaciรณn total 2050

38%

41,5 mill.

Espaรฑa, Andorra, Au Italia, Singapur y San 23,4

23,3

23,1

22,9

22,7

22,6

22,3

22,1

22,5

22

21,6

21,1

20,8

20,4

20,1

19,7

Hombres Mujeres Total

15,8 mill.

Poblaciรณn total

2015

2020

2025

2030

2035

2040

2045

Mรณnaco, Francia, Isla Chipre, Israel, Luxem Nueva Zelanda, Noru

Corea del Sur y Finla

2050

Fuente: INE, Naciones Unidas

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r esperanza de vida

2013, en años)

84

stralia, Suiza n Marino

ndia, Canadá, burgo, uega y Suecia

83 82 81

ndia

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Provisiones técnicas de seguros en España (millones de €) Vida

No vida

2005 (15,8% del PIB)

80,9% 116.509

2008 (14,9% del PIB)

79,6%

129.251

19,1% 2012 (18% del PIB)

84,3% 160.035

15,7%

20,4% 2016* (18,2% del PIB)

87,7%

175.643

12,3%

Fuente: DGSS y Unespa. *Tercer trimestre (PIB interanual)

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Hogares con planes de pensiones y seguros de vida de inversión o mixtos por edad del cabeza de familia (%)

&.1&;"3 " (6"3%"3 " 6/" &%"% 5&.13"3/" 44,6 43,5 41,8 41 40,4 -B SFDPNFOEBDJÓO EF 39,2 38,8 37,8 MPT FYQFSUPT FT 32 32 31,9 FNQF[BS QSPOUP B 30,5 BIPSSBS QBSB MB KVCJMBDJÓO nB MPT Ó 22,4 20,3 19,8 BÒPT DPNP UBSEFn 16,7 FO GVODJÓO EF MB 10,2 DBQBDJEBE EF BIPSSP 9,1 8,5 6,3 DPO FM PCKFUJWP EF RVF 3,1 2,4 2,4 1,7 FM FTGVFS[P BIPSSBEPS TFB NÃT TVBWF 4JO 2002 2005 2008 2011 Fuente: Encuesta Financiera de las Familias. Banco de España FNCBSHP MB SFBMJEBE FT RVF B MPT FTQBÒPMFT OPT QSFPDVQB FTUP &TUBEPT 6OJEPT FVSPT )P RVF VO GBDUPS EFUFSNJOBOUF EFM EF FOUSF MPT Z MPT MBOEB FVSPT *UBMJB FV TBSSPMMP EFM BIPSSP FO QSPEVDUPT EF BÒPT Z OPT JOJDJBNPT SPT P "MFNBOJB FVSPT

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35-44

45-54

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55-64

65-74

Mayor de 74 años

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Hogares con activos financieros en la Uniรณn Europea

Hogares con casa en propiedad en la Uniรณn Europea

-

-

+

100%

+

69,2%

Total

96,8%

97,8% 98,4% 98%

69,7% 99,3%

44,2%

91,7%

99,6%

89,9%

55,3%

99,5% 93,9%

47,7% 81,8%

82,7%

98,3% 92% 94,5%

Total

60,1%

57,1% 67,1%

68,7%

74,5% 97,2%

87,9%

71,5%

77,7%

72,4% 76,7%

Fuente: Encuesta de Consumo y Finanzas de los Hogares en la UE. Datos de 2013

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Estiman necesario seguro de ahorro o jubilaciรณn

86,4%

Tienen seguro de ahorro o jubilaciรณn (segรบn edad)

16,6%

9,7%

9,8%

5,3% Sรญ

1,4%

No

18-22

23-26

27-30

31-33

Conocimiento de este tipo de seguros

Conocimiento de los planes de pensiones

46,8%

31,2%

22%

58,9%

Nivel bajo

Nivel medio

Nivel alto

Muy bajo o bajo

Nivel medio Alto o muy alto 9,4%

Situaciรณn ocupacional

57,3%

43%

Ahorrarรฉ, pero Los veo no los veo necesanecesarios rios Confiarรฉ solo en la S. S. 14,8%

(18-33 aรฑos)

No trabajan

32%

25%

Trabajan Tienen de forma trabajo estable temporal

Fuente: Fundaciรณn Mapfre

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VO FTDBTP EF MPT Kร WFOFT DPOGร B TPMP FO MB QFOTJร O Qร CMJDB QBSB TV GVUVSP

31,7%

Previsiรณn ante la jubilaciรณn y valoraciรณn de los planes de pensiones 27,9%

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Satisfacciรณn con la propia situaciรณn econรณmica

Recomendaciones a los jรณvenes para mejorar su jubilaciรณn

Activos

Que ahorren / que no derrochen / que sean previsores 51,2% 58,8%

47,2%

Satisfechos

52,8% Insatisfechos

Jubilados

52,6% Satisfechos

47,4%

Insatisfechos

Trabajar / conseguir trabajo estable / carrera profesional 36,2% 37,8% Contratar un plan de pensiones / producto financiero Activos 21,7% 26,8% Jubilados Formarse / buena formaciรณn 10,8% 8,5%

Grado de acuerdo respecto a... ... la afirmaciรณn: โ Creo que la jubilaciรณn, tal y como es ahora, es un privilegio si lo comparamos con lo que tendrรกn los jรณvenes cuando se jubilenโ

79,6% De acuerdo 20,4% En desacuerdo

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Cobro de un plan de pensiones en forma de capital y en renta temporal a 15 aรฑos Ejemplo de una persona jubilada, con 65 aรฑos, 100.000 โ ฌ ahorrados en el plan de pensiones y una base imponible de 40.000 โ ฌ.

Capital

Rentas (segรบn condiciones de mercado a septiembre de 2016)

Tipo de retenciรณn IRPF 37% 24% / aรฑo Importe retenciรณn 36.940 โ ฌ 24.150 โ ฌ (1.610โ ฌ / aรฑo) Importe neto a percibir

63.060 โ ฌ 78.539 โ ฌ Tipo de retenciรณn IRPF 31% 24% / aรฑo Importe retenciรณn 30.520 โ ฌ 24.150 โ ฌ (1.610โ ฌ / aรฑo) Importe neto a percibir

El 50% de sus aportaciones fueron anteriores al 1 de enero de 2007

69.480 โ ฌ 78.539 โ ฌ Fuente: Fundaciรณn Mapfre

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