{"id":12631,"date":"2019-03-13T11:17:30","date_gmt":"2019-03-13T10:17:30","guid":{"rendered":"http:\/\/serveiseducatius.xtec.cat\/tarragones\/?p=12631"},"modified":"2019-04-26T20:17:51","modified_gmt":"2019-04-26T18:17:51","slug":"trics13_acarmona","status":"publish","type":"post","link":"https:\/\/serveiseducatius.xtec.cat\/tarragones\/dinamitzacio\/trics\/trics13_acarmona\/","title":{"rendered":"Pensions de jubilaci\u00f3"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-5353\" title=\"Anna Carmona Ferrer\" src=\"https:\/\/serveiseducatius.xtec.cat\/tarragones\/wp-content\/uploads\/usu549\/2019\/03\/trics13_acarmona.jpg\" alt=\"Anna Carmona Ferrer\" width=\"150\" height=\"200\" \/><strong><span style=\"color: #808080;\"><em>T\u00edtol:\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/em><\/span><\/strong><strong>Pensions de jubilaci\u00f3. Estudi de les pensions i les seves caracter\u00edstiques.<\/strong><br \/>\n<strong><em><span style=\"color: #808080;\">Autor\/a:\u00a0\u00a0\u00a0\u00a0<\/span><\/em><\/strong><strong> Anna Carmona Ferrer<\/strong><br \/>\n<strong><em><span style=\"color: #808080;\">Tutor\/a:\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/em><\/strong>Eugeni Just Sugra\u00f1es<br \/>\n<strong><em><span style=\"color: #808080;\">Modalitat:\u00a0\u00a0<\/span><\/em><\/strong>Humanitats i Ci\u00e8ncies Socials<br \/>\n<strong><em><span style=\"color: #808080;\">\u00c0rea:\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/em><\/strong>Economia<br \/>\n<strong><em><span style=\"color: #808080;\">Centre:\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/em><\/strong>C Puigcerver<br \/>\n<strong><em><span style=\"color: #808080;\">Localitat:\u00a0\u00a0\u00a0 <\/span><\/em><\/strong>Reus<\/p>\n<h6><strong>Objectius:<\/strong><\/h6>\n<ol>\n<li>Entendre quina \u00e9s la situaci\u00f3 actual d\u2019Espanya en relaci\u00f3 a les pensions per als jubilats.<\/li>\n<li>Estudiar l\u2019evoluci\u00f3 de la societat a Espanya per a comprendre quins han estat els<br \/>\nmotius que ens han arrossegat a la situaci\u00f3 actual (econ\u00f2mics i socials).<\/li>\n<li>Estudiar els altres sistemes per a les pensions de jubilaci\u00f3 i veure exemples de pa\u00efsos on s\u2019usin.<\/li>\n<li>Obtenir testimonis que recolzin tota la informaci\u00f3 que he trobat en relaci\u00f3 a la qualitat de vida dels habitants dels pa\u00efsos esmentats.<\/li>\n<li>Trobar mesures que pugui prendre l\u2019Estat espanyol per a mantenir l\u2019actual sistema de repartiment i aix\u00ed extraure les conclusions del treball.<\/li>\n<\/ol>\n<h6><strong>Hip\u00f2tesi:<\/strong><\/h6>\n<p style=\"text-align: justify;\">Els avis actuals podran seguir cobrant una pensi\u00f3 de jubilaci\u00f3 digna o hauran de subsistir amb els seus estalvis?<\/p>\n<h6><strong>El proc\u00e9s:<\/strong><\/h6>\n<p style=\"text-align: justify;\">El proc\u00e9s d&#8217;elaboraci\u00f3 del treball de recerca ha estat llarg i dur. En primer lloc em va ser dif\u00edcil escollir la tem\u00e0tica que tractaria per\u00f2, un cop vaig tenir aix\u00f2 clar, el projecte va comen\u00e7ar a avan\u00e7ar sense parar. El primer que vaig fer va ser buscar informaci\u00f3 general de les pensions i, quan vaig tenir una idea clara de la seva classificaci\u00f3, em vaig centrar a buscar informaci\u00f3 de pa\u00efsos que poguessin servir-me d&#8217;exemple. Aquesta part va ser complicada, ja que a Internet no vaig trobar tota la informaci\u00f3 que m&#8217;hauria agradat de manera que vaig decidir fer enquestes per a complementar-la. El que va succeir llavors, per\u00f2, \u00e9s que vaig obtenir moltes menys respostes de les que m&#8217;esperava i em vaig desmotivar bastant. Aquesta situaci\u00f3 es va mantenir fins que vaig tractar les pensions a Espanya amb m\u00e9s profunditat, lloc on s\u00ed que vaig trobar informaci\u00f3 suficient i on vaig rebre ajuda de professionals del sector. Vaig trobar totes les dades que reflectien l&#8217;evoluci\u00f3 del pa\u00eds i vaig poder elaborar gr\u00e0fics que ho mostressin de manera m\u00e9s visual. A m\u00e9s, tamb\u00e9 vaig poder calcular dues pensions fict\u00edcies i fer-me aix\u00ed a la idea del proc\u00e9s que s&#8217;ha de seguir per a aconseguir-ho.<br \/>\nDespr\u00e9s de tota aquesta feina que em va permetre tenir una visi\u00f3 global del sector, vaig ser capa\u00e7 d&#8217;extreure les conclusions del treball i donar-lo, doncs, per acabat.<\/p>\n<h6><strong>Conclusions:<\/strong><\/h6>\n<p style=\"text-align: justify;\">Les conclusions a qu\u00e8 vaig arribar un cop finalitzat el treball s\u00f3n clares i concises. En primer lloc, pel que fa als objectius, vaig poder assolir-los tots per\u00f2 no em vaig quedar del tot satisfeta amb les enquestes, punt que considero feble.<br \/>\nPel que fa a la meva hip\u00f2tesi inicial, despr\u00e9s d&#8217;haver-me creat una opini\u00f3 envers la tem\u00e0tica, vaig extraure la seg\u00fcent conclusi\u00f3. A Espanya, un pa\u00eds que econ\u00f2micament no es troba en les millors condicions possibles, hi ha el sistema de repartiment per a les pensions amb una poblaci\u00f3 envellida, una contradicci\u00f3 que ha propiciat la seva inestabilitat. La gent jove no pot suportar totes les pensions per als avis i no podem permetre que una part tan gran de la poblaci\u00f3 estigui desprotegida. El que s&#8217;ha de fer, doncs, \u00e9s prendre mesures que permetin mantenir les prestacions, ja que els avis actuals van contribuir al sistema i ara esperen que es faci el mateix amb ells. Si proposen un canvi de sistema per a semblar-nos m\u00e9s a altres pot\u00e8ncies mundials, no poden fer-ho r\u00e0pidament, ja que veur\u00edem, tamb\u00e9, altres generacions perjudicades.<br \/>\nHem d&#8217;intentar prendre mesures que mantinguin aquest sistema, aquesta clau per a l&#8217;estat del benestar espanyol. Potser, si la gent del pa\u00eds tingu\u00e9s m\u00e9s coneixement, votarien els partits pol\u00edtics que tractarien aquest tema amb m\u00e9s delicadesa per a la poblaci\u00f3 per\u00f2 aix\u00f2 no \u00e9s aix\u00ed. Veiem que tamb\u00e9 ha passat als Estats Units i en molts altres pa\u00efsos del m\u00f3n i nosaltres no ho evitarem. Ens acabaran governant persones que creuen m\u00e9s en l&#8217;actuaci\u00f3 privada com a soluci\u00f3 aix\u00ed que les \u00faltimes possibilitats de mantenir aquest tresor amb qu\u00e8 comptem es perdran. Puc respondre doncs la meva hip\u00f2tesi inicial, ja que s\u00e9 que els avis actuals de moment seguiran cobrant la pensi\u00f3 per\u00f2 aquesta resposta no \u00e9s tan clara com voldria perqu\u00e8 he acabat traslladant la pregunta per a la generaci\u00f3 posterior. Podran ells, doncs, cobrar una pensi\u00f3 de jubilaci\u00f3 digna? No ho sabem, tot dep\u00e8n del vot ciutad\u00e0.<\/p>\n<h6><strong>Llocs Web:<\/strong><\/h6>\n<ul>\n<li><a href=\"https:\/\/www.bbva.es\/cat\/general\/finanzas-vistazo\/planes-de-pensiones\/reglamento-planes-fondos-pensiones\/index.jsp\" target=\"_blank\" rel=\"noopener noreferrer\">Informaci\u00f3 general<\/a><\/li>\n<li><a href=\"http:\/\/www.eleconomista.es\/mercados-cotizaciones\/noticias\/5566370\/02\/14\/Como-se-lograen-EEUU-invertir-para-la-jubilacion-sin-pensiones-publicas.html\" target=\"_blank\" rel=\"noopener noreferrer\">Pensions de jubilaci\u00f3 dels Estats Units<\/a><\/li>\n<li><a href=\"https:\/\/directa.cat\/les-pensions-son-avui-lacumulacio-de-diners-mes-gran-de-diners-que-hi-ha-al-mon-i-el-capitalisme-sen-vol-apropiar\/\" target=\"_blank\" rel=\"noopener noreferrer\">Pensions de jubilaci\u00f3 dels Pa\u00efsos N\u00f2rdics<\/a><\/li>\n<li><a href=\"http:\/\/archivo.juventudes.org\/textos\/Documentos%20Historicos\/Seguridad%20Social%20URS S%201985.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Pensions de jubilaci\u00f3 de la Uni\u00f3 Sovi\u00e8tica<\/a><\/li>\n<li><a href=\"http:\/\/www.envellimentsaludable.com\/portfolio\/les-pensions-que-ens-espera\/\" target=\"_blank\" rel=\"noopener noreferrer\">Informaci\u00f3 de la qualitat de vida dels pa\u00efsos tractats<\/a><\/li>\n<li><a href=\"https:\/\/elpais.com\/sociedad\/2018\/10\/10\/actualidad\/1539170799_310404.html\" target=\"_blank\" rel=\"noopener noreferrer\">Estudis de l\u2019evoluci\u00f3 futura de la societat espanyola<\/a><\/li>\n<li><a href=\"https:\/\/datosmacro.expansion.com\/paises\/espana\" target=\"_blank\" rel=\"noopener noreferrer\">Indicadors de la societat espanyola<\/a><\/li>\n<li><a href=\"https:\/\/www.bbva.es\/cat\/general\/finanzas-vistazo\/planes-de-pensiones\/sistema-pensionesespana\/index.jsp\" target=\"_blank\" rel=\"noopener noreferrer\">Informaci\u00f3 general de les pensions de jubilaci\u00f3 a Espanya<\/a><\/li>\n<li><a href=\"https:\/\/www.ccma.cat\/324\/lfmi-alerta-el-govern-espanyol-sobre-la-pujada-de-les-pensions\/noticia\/2878768\/\" target=\"_blank\" rel=\"noopener noreferrer\">Mesures del govern espanyol<\/a><\/li>\n<li><a href=\"https:\/\/www.elmundo.es\/economia\/2018\/10\/03\/5bb3be87ca474147178b45c8.html\" target=\"_blank\" rel=\"noopener noreferrer\">Mesures del govern espanyol<\/a><\/li>\n<\/ul>\n<h6><strong>Presentaci\u00f3:<\/strong><\/h6>\n<p><iframe loading=\"lazy\" style=\"border: 1px solid #CCC; border-width: 1px; margin-bottom: 5px; max-width: 100%;\" src=\"\/\/www.slideshare.net\/slideshow\/embed_code\/key\/ApTWwsjpEZgyLw\" width=\"595\" height=\"485\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" allowfullscreen=\"allowfullscreen\"> <\/iframe><\/p>\n<h6><strong>Fotos:<\/strong><\/h6>\n<div id=\"1234\" style=\"width: 600px; height: 400px; display: none;\"><img decoding=\"async\" src=\"https:\/\/serveiseducatius.xtec.cat\/tarragones\/wp-content\/uploads\/usu549\/2019\/03\/trics13_imatge1_acarmona.jpg\" data-link=\"https:\/\/serveiseducatius.xtec.cat\/tarragones\/wp-content\/uploads\/usu549\/2019\/03\/trics13_imatge1_acarmona.jpg\" \/><br \/>\n<img decoding=\"async\" src=\"https:\/\/serveiseducatius.xtec.cat\/tarragones\/wp-content\/uploads\/usu549\/2019\/03\/trics13_imatge2_acarmona.jpg\" data-link=\"https:\/\/serveiseducatius.xtec.cat\/tarragones\/wp-content\/uploads\/usu549\/2019\/03\/trics13_imatge2_acarmona.jpg\" \/><br \/>\n<img decoding=\"async\" src=\"https:\/\/serveiseducatius.xtec.cat\/tarragones\/wp-content\/uploads\/usu549\/2019\/03\/trics13_imatge3_acarmona.jpg\" data-link=\"https:\/\/serveiseducatius.xtec.cat\/tarragones\/wp-content\/uploads\/usu549\/2019\/03\/trics13_imatge3_acarmona.jpg\" \/><br \/>\n<script type=\"text\/javascript\" src=\"https:\/\/cdn.jsdelivr.net\/jquery\/1.12.3\/jquery.min.js\"><\/script><br \/>\n<script>\n (MyGalleries=(typeof MyGalleries === 'undefined' ? [] : MyGalleries)).push({gallId:'#1234',autoplay:true,lightbox:true,debug:false,popupLinks:true});\n if(typeof GalleryLoaded === 'undefined'){\n  GalleryLoaded = jQuery(function(){\n   jQuery.ajax({url:'https:\/\/cdn.jsdelivr.net\/galleria\/1.4.2\/galleria.min.js',dataType:'script',cache:true}).done(function(){\n    Galleria.loadTheme('https:\/\/cdn.jsdelivr.net\/galleria\/1.4.2\/themes\/classic\/galleria.classic.js');\n    for(var n in MyGalleries){\n     Galleria.run(MyGalleries[n].gallId, MyGalleries[n]);\n     jQuery(MyGalleries[n].gallId).css('display','block');\n    }\n   });\n  });\n }\n<\/script><\/div>\n<p>&nbsp;<\/p>\n<div><sup><em>Foto 1.- Portada del treball de recerca<\/em><\/sup><br \/>\n<sup><em>Foto 2.- Gr\u00e0fic on apareix l&#8217;evoluci\u00f3 de les pensions en el seu valor i quantitat. <\/em><\/sup><br \/>\n<sup><em>Foto 3.- Gr\u00e0fic on podem veure l&#8217;afectaci\u00f3 de la crisi en la inflaci\u00f3 i en el PIB<\/em><\/sup><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Anna Carmona Ferrer<\/p>\n","protected":false},"author":1,"featured_media":12632,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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