Los planes de pensiones españoles con mejor rentabilidad en la pandemia

En estas circunstancias tan extraordinarias tener un plan de pensiones que consiga unos rendimientos que aprovechen las oportunidades es un éxito al alcance del ahorrador

El ahorro para la jubilación es una preocupación sobre la que los españoles toman más conciencia cada día. La necesidad de complementar la pensión una vez se abandona el mercado laboral resulta vital en un contexto como el actual.

Y es que la llegada de la crisis del coronavirus ha puesto sobre la mesa varias evidencias: la primera de ellas es que mantener un colchón de ahorro destinado a emergencias es fundamental en cualquier etapa de la vida para evitar imprevistos. La segunda es que la crisis ha aumentado la preocupación por el futuro y ha hecho que los españoles busquen la mejor vía para asegurarse el retiro.

En un contexto en el que la inminente reforma sobre las pensiones ya se encuentra sobre la mesa y su sostenibilidad resulta un asunto que suscita un mayor interés, los planes de pensiones se presentan como una de las vías para complementar la pensión de jubilación en el futuro. Pero, ¿dónde están las mejores opciones?

Los mejores planes de renta variable

Para los inversores más arriesgados los planes de pensiones de renta variable ofrecen rentabilidades atractivas, incluso en un contexto como el actual. Eso sí, los productos que más destacan se encuentran dentro de la renta variable americana.«Un primer objetivo para Sabadell es recuperar los 0,95 euros a los que cotizaba antes del desplome»Por si acaso, conviene colocar un stop-loss en los 0,71 euros

Uno de ellos es el BBVA Plan Telecomunicaciones, que cosecha una rentabilidad a un año del 38,17% hasta agosto, siendo, además, el mejor plan a cinco años con unas ganancias anualizadas del 18,75%, según los datos de Inverco. Tras el producto de BBVA, otros planes a la cabeza en rentabilidad son el Novo Banco Crecimiento, con una rentabilidad del 20,91% a un año o el CaixaBank Renta Variable Internacional, con un 18,64%.

A un plazo mayor, además del BBVA Plan Telecomunicaciones, también se encuentra el CaixaBank Renta Variable Internacional, con unas ganancias anualizadas del 12,39% a cinco años, o el Allianz USA, con un 11,46% de rentabilidad.

Los mejores planes de renta fija

Para los inversores conservadores, los planes de pensiones de renta fija son una opción si no quieren asumir demasiados riesgos. Aun así, cuanto menor riesgo se asuma, menores serán las rentabilidades. Por este motivo, en los últimos 12 meses la mayoría de estos planes no ha cosechado grandes beneficios, aunque hay algunos productos como excepción.

Entre los planes de pensiones de renta fija a corto plazo destaca el Renta 4 Renta Fija, con una rentabilidad del 0,55%. Junto con este, se encuentra el Banca Pueyo I, que también gana un 0,55% a un año. ¿Y cómo se comportan estos productos en un periodo más largo? Pues bien, a cinco años, tanto el Renta 4 Renta Fija como el Banca Pueyo I son los mejores planes de esta categoría, con una rentabilidad cada uno del 1,15%.

Aunque en estos casos las rentabilidades son más reducidas, si se analizan los planes de pensiones de renta fija a largo plazo, estos presentan un mejor comportamiento. En concreto, el BBVA Plan Renta Fija Internacional Flexible cosecha una rentabilidad en el último año del 2,72%.

A este le siguen otros productos como el Caser Renta Fija Largo o el Caser Deuda Publica, con rentabilidades del 1,07% y del 1,04%, respectivamente. Además, dentro de esta categoría, si se amplía el horizonte temporal, el comportamiento de estos productos también mejora.

En este caso, el PlanCaixa Proyección 2029 se sitúa a la cabeza con una rentabilidad anualizada del 5,23% en los últimos cinco años. A este le siguen otros planes de la misma entidad con ganancias superiores al 4,5%.

Los mejores planes garantizados

Si se tiene un perfil de riesgo ultraconservador, los planes de pensiones garantizados también son una de las alternativas para fomentar el ahorro a largo plazo, aunque siempre habrá que estudiar detenidamente sus comisiones antes de contratar.

Entre los productos que se comportan mejor destaca el Bankia Protegido Renta Premium XII, con una rentabilidad del 6,84% a un año. A este le siguen con ganancias más reducidas el Rendimiento Europa (0,91%) o el Bankia Protegido Renta Premium VI (0,63%).

Sin embargo, a un plazo mayor los protagonistas son otros productos. En concreto, destaca el Protección 2035, con una rentabilidad del 8,80% a cinco años. Tras este se encuentran el BBVA Protección 2030 (6,50%) o el BBVA Protección Futuro 5/10 (4,30%).

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