Innovación

Pensumo: La APP que convierte la compra en ahorro para la pensión.

Redacción Send an email 21 febrero, 2025
1.272 66 3 minutos de lectura

Pensumo cuenta ya con 30.000 descargas y más de 4.000 usuarios activos y planea su expansión internacional.

El nombre de Pensumo proviene de la combinación de los términos pensión y consumo. En un mundo donde la jubilación sigue siendo un desafío para la mayoría, Pensumo se presenta como una propuesta innovadora: Transformar el consumo diario en ahorro para el futuro.

Lanzada en octubre de 2024, esta aplicación permite que, por cada compra en comercios adheridos, un porcentaje del importe se destine automáticamente a un plan de pensiones gestionado por Ibercaja Pensiones.

En febrero de 2023, la Dirección General de Seguros y Fondos de Pensiones (DGSFP) dio luz verde a este proyecto. Ibercaja desarrolló la aplicación, mientras que la DGSFP trabajó para que el Consejo de Ministros aprobara la regulación necesaria para incorporar las pensiones por consumo dentro de los planes de pensiones. Esto implica que Pensumo cuenta con todas las características de un plan de pensiones tradicional.

<<Ahorrar cuesta mucho: Solo el 15% de la población tiene un plan de pensiones privado. En cambio, consumir lo hacemos todos los días, y Pensumo convierte las compras de hoy en ahorro futuro>>, explica el director general de Pensumo, David Herrando.

«Esto significa que el usuario puede trasladar su plan de pensiones a otra entidad si lo desea en el futuro. Además, las aportaciones realizadas a través de Pensumo están dentro del límite fiscal de 1.500 euros anuales, el mismo que cualquier otro plan de pensiones privado», añade Herrando. El dinero acumulado se puede recuperar bajo las condiciones establecidas por la ley: En la jubilación o a partir de los diez años desde que se hizo la aportación.

Gratuita y disponible para cualquier ciudadano mayor de 18 años

Desde su lanzamiento, la aplicación ya cuenta con 4.000 usuarios activos. Pensumo es gratuita y está disponible para cualquier ciudadano mayor de 18 años, sin importar su entidad financiera.

«Este modelo representa el recién creado cuarto pilar de nuestro sistema de pensiones, y está abierto a todas las personas que quieran adherirse, sean o no clientes de Ibercaja. En el Sandbox financiero, Pensumo ha sido el primer y único proyecto convertido en realidad, y somos pioneros en España y Europa», explica Herrando.

Las aportaciones que reciben los consumidores provienen de los propios comercios adheridos a la iniciativa. El porcentaje abonado depende del acuerdo alcanzado con cada establecimiento. «El único coste que asumen las empresas es el porcentaje que destinan al plan de pensiones del usuario cuando realiza la compra. Este porcentaje puede variar entre el 1% y el 20% del importe de la compra. Desde la aplicación, el usuario podrá conocer estas condiciones y comprobar cómo sus compras se traducen en ahorro para su jubilación», explica Herrando.

Hasta el momento, 140 empresas se han adherido al sistema. Amazon es uno de los principales participantes y Pensumo también cuenta con el apoyo de la fintech Coinscrap Finance, cuya plataforma de compras online abarca marcas tan prestigiosas como Decathlon, Ikea, Lidl, Fnac, MediaMarkt, Lego, Adidas o Sephora.

«Para los comercios, esta herramienta también supone una ventaja, ya que les ayuda a captar y fidelizar clientes. El 97% de las empresas en España son pymes, muchas de las cuales no tienen la capacidad ni la tecnología para desarrollar herramientas digitales que les permitan ser más visibles. Además, no hay plazos de permanencia, ni tampoco costes de implantación, mensualidades o penalizaciones por salir del sistema», añade Herrando.

Pensumo ha llegado también a un acuerdo con Hostelería de España, lo que permite incorporar bares, restaurantes, alojamientos y hoteles a la plataforma.

Desde su lanzamiento Pensumo ha logrado 30.000 descargas y 4.000 usuarios activos. Su siguiente paso será expandir su modelo a Latinoamérica y Europa. Entre las próximas innovaciones destacan: Click &Plan, para ahorrar en experiencias como ir al cine; Geolocalización, para encontrar comercios adheridos en cualquier ciudad; planes de fidelización en el sector de la hostelería y administraciones locales, como el ayuntamiento de Zaragoza; nuevas funcionalidades en el plan de pensiones, que permitirán a los usuarios realizar aportaciones directas a su plan.

«Estamos en conversaciones con administraciones públicas para incrementar el límite fiscal de las aportaciones, ahora establecido en 1.500 euros anuales. Con el ahorro que se genera en un año, solo se cubren dos meses de jubilación, por lo que es necesario aumentar este tope», explica Herrando.

Etiquetas
Redacción Send an email 21 febrero, 2025
1.272 66 3 minutos de lectura

Redacción

Publicaciones relacionadas

6 recomendaciones para formarte en IA durante el periodo navideño.

Hace 6 horas

Ultralytics cierra una ronda de financiación Serie A de 30 millones de dólares para impulsar la IA de visión de código abierto.

Hace 2 días

Nace Impacta ICC, la herramienta digital estratégica para transformar el compromiso del sector cultural y creativo en impacto social y ambiental medible

Hace 5 días

La Inteligencia Artificial se consolida como la palanca estratégica para las empresas en 2026.

Hace 1 semana

1.272 comentarios

  680. https://myforexcashback.com/forex cashback, forex rebate serves as an effective instrument intended to refund part of transaction expenses that traders normally pay to brokers. Such a model cuts down the total cost of trading, making each trade more cost-efficient, particularly for high-volume traders. Such cashback is usually delivered without additional actions per executed transaction or for a set timeframe, offering a stable added value. Through participating in forex rebate programs, traders can improve their ROI without altering their existing trading approach. The main step is picking a proven cashback partner, connecting the account and operating normally. Many brokers cooperate with cashback services, allowing traders to maintain their preferred platform while still getting valuable cashback credits. Forex cashback also provides transparency, as traders can track every refunded amount, making budget management more predictable. An added benefit is accumulation of rebates even with smaller trade frequency, building an extra layer of measurable income. Since cashback works independently of strategy, both beginners and professionals can benefit equally. Active traders may see notable accumulated payouts, enhancing stability and growth potential over time. In the competitive forex environment, every reduction of cost matters, making rebate services an approachable method to reduce costs. Working with a credible cashback platform ensures transparent conditions, timely payments, and steady benefits, turning cashback into a vital part of an efficient trading environment.

    Responder

  681. https://myforexcashback.com/forex rebate, forex cashback is a financial tool designed to return part of the trading costs that traders normally pay to brokers. Such a model cuts down the total cost of trading, making each trade more cost-efficient, which is extremely beneficial for active traders. Rebates are generally credited automatically either per trade or by period, ensuring a consistent monetary return. By using forex cashback services, traders can improve their ROI without modifying their trading strategy. The main step is picking a proven cashback partner, connecting the account and operating normally. Many brokers cooperate with cashback services, enabling users to trade on their chosen terminal yet benefiting from important cashback returns. Forex cashback also provides transparency, allowing users to monitor each refunded value, helping maintain a clear picture of expenses. An added benefit is accumulation of rebates even with smaller trade frequency, forming a steady supplementary return. Since cashback works independently of strategy, both beginners and professionals can benefit equally. Active traders may see notable accumulated payouts, enhancing stability and growth potential over time. Within the dynamic forex landscape, each decrease in trading expense is valuable, with rebate systems being one of the easiest cost-optimization tools. Choosing a reliable cashback provider guarantees clear terms, punctual credits, and consistent advantages, making forex cashback an essential component of a modern trading setup.

    Responder

  1122. buy fb accs, tg accs for marketing is a practical solution for companies working with social media platforms, when fast access to social media profiles is required. A dedicated service for acquiring social media profiles supports key platforms used by businesses worldwide, which makes it suitable for a wide range of projects. Choosing a reliable service for buying accounts reduces preparation time for campaign launches, since operational tasks are simplified. A solution for purchasing tg fb vk accounts is suitable for agencies and in house teams, who develop brand presence in social networks. An important advantage of the platform is its clear structure and ease of use, which simplifies daily operations. A specialized social media account service supports customization for business objectives, based on strategic priorities. Working with ready to use accounts is applied within broader marketing strategies, when rapid expansion is required. A solution for working with social accounts is developed according to market needs, which is valuable for commercial projects. Within online marketing strategies the platform can become part of an integrated workflow, supporting steady growth. Service for purchasing tg fb vk accounts takes into account platform specific features, which expands usage options. As a result of using the service becomes a convenient option for businesses, combining speed convenience and scalability.

    Responder

  1226. Sharing, a detailed guide on FDA equivalent standards. It explains the best shipping methods for ED meds. You can read it here: п»їhttps://polkcity.us.com/# mexican medicine.

    Responder

  1227. п»їLately, I found an interesting page about buying affordable antibiotics. It covers the manufacturing standards when buying antibiotics. For those interested in Trusted Indian sources, take a look: п»їindianpharmacy com. Worth a read.

    Responder

  1228. п»їRecently, I discovered a helpful guide regarding Indian Pharmacy exports. It covers the manufacturing standards for ED medication. For those interested in Trusted Indian sources, read this: п»їkisawyer.us.com. It helped me.

    Responder

  1229. Does anyone know getting antibiotics without prescription. I ran into a cool site that lists trusted vendors: п»їhttps://polkcity.us.com/# mexican pharmacies online. Looks legit.

    Responder

  1232. п»їActually, I found an informative article concerning Indian Pharmacy exports. It explains the manufacturing standards when buying antibiotics. In case you need Trusted Indian sources, check this out: п»їhttps://kisawyer.us.com/# indian pharmacy. Hope it helps.

    Responder

  1233. п»їActually, I came across a helpful guide about buying affordable antibiotics. It covers how to save money for ED medication. If anyone wants reliable shipping to USA, take a look: п»їhttps://kisawyer.us.com/# online shopping pharmacy india. It helped me.

    Responder

  1235. п»їLately, I came across an interesting guide concerning buying affordable antibiotics. It details CDSCO regulations when buying antibiotics. If anyone wants Trusted Indian sources, take a look: п»їhttps://kisawyer.us.com/# best online pharmacy india. Good info.

    Responder

  1240. п»їJust now, I stumbled upon an informative article regarding ordering meds from Mexico. It details FDA equivalents for generic meds. If you are looking for reliable shipping to USA, take a look: п»їUpstate Medical. Good info.

    Responder

  1241. п»їJust now, I found a helpful guide concerning ordering meds from India. It covers how to save money when buying antibiotics. In case you need cheaper alternatives, read this: п»їhttps://kisawyer.us.com/# Online medicine home delivery. Good info.

    Responder

  1243. п»їJust now, I discovered a helpful article regarding buying affordable antibiotics. It details CDSCO regulations on prescriptions. If anyone wants Trusted Indian sources, check this out: п»їwebsite. Cheers.

    Responder

  1244. п»їRecently, I stumbled upon a useful resource about generic pills availability. It details FDA equivalents on prescriptions. For those interested in Trusted pharmacy sources, check this out: п»їhttps://polkcity.us.com/# online pharmacies in mexico. Good info.

    Responder

  1245. п»їLately, I discovered a great guide concerning cheap Indian generics. The site discusses WHO-GMP protocols for generic meds. If you are looking for Trusted Indian sources, go here: п»їnavigate here. Good info.

    Responder

  1246. FYI, an important article on Mexican Pharmacy safety. It explains pricing differences for generics. Link: п»їhttps://polkcity.us.com/# mail order pharmacy mexico.

    Responder

  1247. п»їTo be honest, I stumbled upon a great resource about generic pills from India. It covers the manufacturing standards on prescriptions. If anyone wants cheaper alternatives, read this: п»їhttps://kisawyer.us.com/# best india pharmacy. Hope it helps.

    Responder

  1248. п»їJust now, I came across a useful article about ordering meds from India. It explains WHO-GMP protocols for generic meds. If anyone wants factory prices, take a look: п»їhttps://kisawyer.us.com/# online pharmacy india. Cheers.

    Responder

  1249. п»їActually, I came across a great resource concerning safe pharmacy shipping. The site discusses regulations for ED medication. If anyone wants Trusted pharmacy sources, go here: п»їhttps://polkcity.us.com/# online pharmacy. Hope it helps.

    Responder

  1250. п»їLately, I stumbled upon a useful page regarding generic pills from India. It explains WHO-GMP protocols on prescriptions. For those interested in Trusted Indian sources, visit this link: п»їfollow. Cheers.

    Responder

  1252. п»їRecently, I came across a great resource about Indian Pharmacy exports. It explains how to save money for generic meds. For those interested in cheaper alternatives, visit this link: п»їhttps://kisawyer.us.com/# best online pharmacy india. Worth a read.

    Responder

  1254. п»їJust now, I discovered a great resource regarding Mexican Pharmacy standards. It details FDA equivalents for ED medication. If you are looking for reliable shipping to USA, visit this link: п»їsee more. Might be useful.

    Responder

  1255. п»їJust now, I discovered a great article concerning ordering meds from India. It explains CDSCO regulations for generic meds. If you are looking for Trusted Indian sources, read this: п»їkisawyer.us.com. Worth a read.

    Responder

  1258. п»їTo be honest, I stumbled upon an informative guide concerning ordering meds from India. It details CDSCO regulations on prescriptions. If anyone wants cheaper alternatives, take a look: п»їhttps://kisawyer.us.com/# indian pharmacy online. It helped me.

    Responder

  1259. To save cash on meds, I suggest visiting this page. The site explains where to buy cheap. Huge savings found here: п»їhttps://polkcity.us.com/# mexico pharmacy list.

    Responder

  1260. п»їRecently, I stumbled upon an informative article regarding ordering meds from Mexico. The site discusses FDA equivalents for ED medication. If anyone wants cheaper alternatives, go here: п»їhttps://polkcity.us.com/# mexican pharmacy las vegas. It helped me.

    Responder

  1262. п»їJust now, I found a great report concerning cheap Indian generics. It details WHO-GMP protocols for ED medication. If you are looking for Trusted Indian sources, take a look: п»їhttps://kisawyer.us.com/# top 10 pharmacies in india. Worth a read.

    Responder

  1264. п»їJust now, I stumbled upon a useful page regarding cheap Indian generics. It details how to save money on prescriptions. If anyone wants cheaper alternatives, take a look: п»їhttps://kisawyer.us.com/# best india pharmacy. It helped me.

    Responder

  1265. п»їJust now, I found an interesting report regarding buying affordable antibiotics. It covers the manufacturing standards when buying antibiotics. If anyone wants Trusted Indian sources, go here: п»їhttps://kisawyer.us.com/# indianpharmacy com. Cheers.

    Responder

  1267. п»їLately, I stumbled upon an informative guide concerning Indian Pharmacy exports. It explains the manufacturing standards for ED medication. In case you need cheaper alternatives, check this out: п»їhttps://kisawyer.us.com/# best online pharmacy india. Hope it helps.

    Responder

  1269. п»їRecently, I came across an interesting article concerning cheap Indian generics. It details WHO-GMP protocols for generic meds. In case you need reliable shipping to USA, take a look: п»їhttps://kisawyer.us.com/# top online pharmacy india. It helped me.

    Responder

  1271. п»їTo be honest, I stumbled upon a helpful article concerning buying affordable antibiotics. The site discusses CDSCO regulations on prescriptions. For those interested in cheaper alternatives, take a look: п»їhttps://kisawyer.us.com/# indian pharmacy. Good info.

    Responder

Responder a EugeneemepT Cancelar la respuesta

Tu dirección de correo electrónico no será publicada. Los campos obligatorios están marcados con *

Botón volver arriba