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17,2% 12,1% Frutas frescas
14,6% 9,1% Hortalizas y patatas frescas
12,1% 7,7% Agua embotellada
9,7% 0,9% Carne
7,5% 21,1% Bebidas refrescantes
6,6% 2,3% Pan
5,1% 5,3% Pescado
3,7% 13,3% Aceite
1,9% 2,4% Vino y derivados
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Huevos (Kgs)
1,3% 1,2% Bebidas espirituosas
0,1% 0,5% Resto alimentación
18,6% 22,6% Fuente: Ministerio de Agricultura, Pesca y Alimentación
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62,5% Platos refrigerados con base vegetal alternativa (tofu...)
49,5% Sushi refrigerado
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22,5% 20% 18,6%
12,6% Platos elaborados congelados a base de verduras
13,7% Platos elaborados congelados a base de arroz
14,9%
Croquetas refrigeradas
Sopas y cremas líquidas refrigeradas
20,9% Conservas de legumbre cocidas al natural
Rollitos de verdura refrigerados
23,2% Platos orientales congelados
Café monodosis
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1FOTJPOFT QPS SFHร NFOFT Z DMBTFT Q H Z INCAPACIDAD PERMANENTE
JUBILACIร N
VIUDEDAD
ORFANDAD
FAVOR DE FAMILIARES
951.860 (TOTAL)
5.962.648 (TOTAL)
2.361.249 (TOTAL)
339.168 (TOTAL)
42.017 (TOTAL)
3.690.099
Por sexo y edad
Hombres 497,38
2.272.482
2.177.867
1.011,28
851,82
54
55
1.276,71
825,48
73
343.073 3
74
75
183.352 3
Mujeres
Media de edad M
Pensiรณn media (โ ฌ)
695,14
393,14
392,38
526,01
570,13
34
34
59
68
78
608.772 8 0 178.046 161.054 0
Nยบ de pensiones por provincias 29.918
13.213 4.727 42.835 10.877
179.181 85.578 46.133 357.289 90.373 476.031
69.973 46.392
23.410
17.077 126.928
155.773
875.640
41.605
Por los principales regรญmenes 714.015
75.301
61.220
390.649
MInerรญa del carbรณn
1.682
1.242
3.809
48.643
2.320
410
15.007
9.847
923
6.108
127
2.481
1.948
2.540
37.329
61.648
69.870
11.212
10.190
1.211
16.873
Accidentes de trabajo
1.412
2.830
35.283 44.355
182
6.482
80.013
Mar
15.338 4.197
9.433
242.157
140.397
Autรณnomos
1.955
19.583
394.114
96.627
178.444
General
4.498
268.248 121.888 605.757
31.589
8.843
29.268 2 Total de la CC AA
+
23.601
1.112.673
214.016
95.644 206.610
193.460
764.407
81.110 26.546
82.316 35.611 16.122 135.345 29.636
187.111 376.759
165.217
43.228
7 12.749
2.154
Enfermedades Enfermedade es profesionales siona
1.729.763
4.226.866
472.904 1.291.286
122.015
84.706 12.031 7.527 2.787
Fuente: Ministerio de Trabajo, Migraciones y Seguridad Social
69.1677 37.04052.170
10.856
55.595 43.302 22.426 11.960
64.616 5.020 2.058 12.070 1.153
29.748 9.771
1.084 573
630
211
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254.251
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BLUEMEDIA STUDIO
CAIXABANK OFRECE PLANES DE PENSIONES RESPONSABLES CON LA SOCIEDAD Y EL MEDIO AMBIENTE Ahorro con bonificaciones
Los pro productos oducto os para a la jubilaciĂłn de la entidad son100% son100% sostenibles y respetuosos con los derechos humanos.
Naciones Unidas reconoce a la aseguradora del Grupo como la Ăşnica de EspaĂąa en obtener la mĂĄxima calificaciĂłn en inversiĂłn sostenible La sociedad es cada vez mĂĄs consciente del impacto que tiene su rutina en el medio ambiente y en el resto de la comunidad. Prueba de ello son los cambios en los hĂĄbitos de muchos hogares, que se preocupan por ser mĂĄs respetuosos con el Planeta, la poblaciĂłn y los derechos humanos. Los datos avalan esta tendencia: de media cada ciudadano separa y recicla 30 kg de residuos al aĂąo; se construyen edificios inteligentes que potencian su eficiencia energĂŠtica, facilitan una buena gestiĂłn de los desechos y mejoran la calidad de vida de sus usuarios; y EspaĂąa ya es el dĂŠcimo consumidor mundial de alimentos ecolĂłgicos, con una demanda anual creciente. Una responsabilidad sostenible que tambiĂŠn puede aplicarse al dinero del bolsillo de los ciudadanos. La inversiĂłn responsable marca el estilo de una compaĂąĂa en materia de inversiĂłn, incorporando factores ambientales en las decisiones y criterios sociales y de buen gobierno (ASG). Estos agentes buscan financiaciones respetuosas con el entorno, la gestiĂłn del agua y la reducciĂłn de la poluciĂłn. TambiĂŠn tienen como objetivo invertir en empresas mĂĄs igualitarias, una buena administraciĂłn del capital humano en las empresas, la atenciĂłn a los derechos humanos y, en general, en compaĂąĂas claras y justas, con el mĂĄximo respeto a la legalidad y la transparencia. Inversores ins-
titucionales como VidaCaixa juegan hoy un papel crucial en esta materia porque son capaces de movilizar subvenciones y flujos financieros hacia actividades econĂłmicas que tienen en cuenta a la sociedad y al medio ambiente. AsĂ aparece la oportunidad de aplicar la sostenibilidad a nuestra economĂa a travĂŠs de productos como los planes de pensiones o los seguros de ahorro y, por supuesto, sin renunciar a la rentabilidad. 46 '65630 46 '65630 : &- %& 50%04 0 : &- %& 50 0%04 La inversiĂłn sostenible permite a las personas ahorrar de cara a su futuro sin perder de vista el objetivo comĂşn: contribuir al cuidado del Planeta. CaixaBank, a travĂŠs de VidaCaixa, apuesta desde hace mĂĄs de 15 aĂąos por la financiaciĂłn responsable en la gestiĂłn de todos sus activos, combinando rentabilidad y sostenibilidad. Por esta razĂłn, la entidad gestiona los planes de pensiones de sus clientes de forma respetuosa con el medio ambiente y la sociedad. Gracias a este esfuerzo y dedicaciĂłn ha obtenido la mĂĄxima calificaciĂłn que otorgan los Principios de InversiĂłn Responsable de Naciones Unidas (PRI), el mayor proyecto mundial de impulso de la gestiĂłn consecuente de las inversiones y un referente internacional en este ĂĄmbito. VidaCaixa fue en 2009 la primera entidad espaĂąola
en adherirse globalmente a PRI, como aseguradora de vida y gestora de fondos de pensiones, tan solo tres aĂąos despuĂŠs de su lanzamiento. Casi una dĂŠcada despuĂŠs, el Grupo CaixaBank ha demostrado su compromiso asumiendo principios basados en los derechos humanos, los estĂĄndares laborales, el cuidado del Planeta y la lucha contra la corrupciĂłn. )ÂŚ#*50 04 26& 46."/ )ÂŚ#*504 26& 46."/ De la misma manera que los pequeĂąos gestos como reciclar o reducir el uso del vehĂculo privado en los trayectos cortos, el pequeĂąo ahorro sistemĂĄtico es el que mĂĄs y mejor construye a largo plazo. Un hĂĄbito de ahorro a tiempo hace que el esfuerzo sea siempre menor para alcanzar el objetivo. Para ello hay que ser constante en las aportaciones, por muy pequeĂąas que sean; por ejemplo: ahorrando 50 euros al mes desde la edad de 30 aĂąos podemos llegar a la jubilaciĂłn con mĂĄs de 60.000 euros. En cambio, ahorrar el doble durante menos tiempo, ademĂĄs de suponer un mayor esfuerzo, resultarĂĄ en una menor cantidad. Esta situaciĂłn se debe al interĂŠs compuesto, el cual permite que estos se generan reduciendo el gasto se reinviertan y den lugar a nuevas compensaciones, sumando valor al esfuerzo de ahorrar. En general, los expertos aconsejan bloquear entre un 10% y un 20% de las ganancias mensuales y guardarlos en la hucha. TambiĂŠn se puede aplicar la conocida a regla 50-30-20, que aconseja destinar el 50% de los ingresos para los gastos bĂĄsicos , el 20% al ahorro a largo
La La entidad ha puesto en marcha una campaĂąa de bonificaciones para apoyar a quienes ahorran para su jubilaciĂłn que estarĂĄ activa hasta el 31 de enero de 2019. Esta permite alcanzar un 5% de bonificaciĂłn mĂĄxima traspasando el plan de pensiones y realizando aportaciones a planes y fondos de inversiĂłn del Grupo. Si el usuario estĂĄ retirado y desea disponer de su plan en forma de renta asegurada, podrĂĄ obtener un 1% del importe del Rentas Plan. Los clientes que traspasan su producto desde otra entidad obtienen directamente un 1% de bonificaciĂłn de lo transferido. Por otro lado, si el usuario tiene mĂĄs de 65 aĂąos o traspasa mĂĄs de 30.000 euros, obtiene un 1% adicional. AdemĂĄs, quienes realicen una aportaciĂłn mensual de al menos 100 euros o una contribuciĂłn Ăşnica a partir de 2.000 euros obtienen un 2% adicional. Se suma un 1% mĂĄs a aquellos clientes que realicen una nueva suscripciĂłn o traspaso a un fondo de inversiĂłn de la Gama Destino o
plazo y el 30% restante para ocio y aspectos del proyecto de vida personal. Aunque la mejor opciĂłn es guardar dinero cada mes como si esta tarea fuese un gasto fijo y no tocar dicha cantidad. &- .&+03 1-"/ %& ")0330 &- .&+03 1-"/ %& ")0330 0 AdemĂĄs de tener en cuenta si es sostenible, la mejor estrategia de ahorro es aquel que encuentra el equilibrio entre el crecimiento y la estabilidad. Es decir, el plan mĂĄs recomendado se adecĂşa a las necesidades de cada usuario, teniendo en cuenta su perfil de riesgo y su horizonte temporal. Por eso es importante el consejo de un experto para elegir las herramientas para la jubilaciĂłn. CaixaBank naciĂł con el compromiso de proteger la calidad de vida de las
Carteras Valor de un mĂnimo de 1.000 euros. MĂĄs allĂĄ de las ventajas de esta promociĂłn, cabe seĂąalar que las aportaciones al plan de pensiones implican una reducciĂłn en la base imponible del IRPF que puede llegar a suponer un ahorro fiscal en la prĂłxima DeclaraciĂłn de la Renta. Todas las contribuciones y los traspasos se pueden realizar a travĂŠs de una oficina CaixaBank o en CaixaBankNow, la platae de la forma de gestiĂłn personal online entidad. AdemĂĄs, al hacerlo vĂa web, por cada operaciĂłn de 300 euros hasta el 31 de diciembre se consigue una participaciĂłn para el sorteo de 100 Samsung Galaxy Tab S4. En esta promociĂłn se incluyen los traspasos externos de planes de pensiones, la contrataciĂłn de una aportaciĂłn Ăşnica o periĂłdica a una cuenta, la adquisiciĂłn de una Cuenta CaixaFuturo PIAS o SIALP con una inversiĂłn periĂłdica y las propias inversiones extraordinarias o regulares estas Cuentas.
personas durante su retiro de la vida laboral. Hace mĂĄs de un siglo, la entonces llamada Caja de Pensiones para la Vejez emitiĂł la primera libreta de pensiones, un producto de ahorro con el que se sentaron las bases para uno de los pilares a los que el grupo se ha mantenido fiel: contribuir a mejorar el bienestar de las personas y aportar soluciones para conseguir una jubilaciĂłn digna para todos los ciudadanos. Esta histĂłrica trayectoria es la que hoy permite al Grupo ofrecer un asesoramiento global y personalizado, asĂ como una amplia gama de soluciones innovadoras, las cuales se completan con una apuesta firme por la sostenibilidad. Todo ello para dar respuesta a los retos que plantea el futuro.
La campaĂąa de bonificaciones permite alcanzar hasta un 5% de beneficio mĂĄximo.
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Evoluciรณn de las pensiones de jubilaciรณn en Espaรฑa
*Aรฑos 2000-2009
80.000 70.000
60.022
Media mensual (en โ ฌ)
Nยบ de pensiones (en millones)
1.600
66.815
1.400
60.000
53.744
1.200
4,89
5,08
5,85 ,
50.000 1.000 40.000 800
30.000 600
8.095 0
20.000 10.000
9923,06
8861,49
6 3 1.068,38
200 0
2009* 10
11
12
13
14
15
16
17
5
4
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1.029,533
7766,52
400
0
9987,48
6
2007 08
09
10
11
Fuente: Ministerio de Empleo y Seguridad Social, BBVA
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68,9%
Gasolina
67,4%
66,1%
Alternativos
62,9%
57%
56,8% 48,3% 4 40,2% 3 35,1% 229,6%
31,1%
46,6% 6
32,3% 2
36,9% 6
6,2% ,
2012
13
14
15
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