{"id":9609,"date":"2025-02-23T23:27:07","date_gmt":"2025-02-23T15:27:07","guid":{"rendered":"https:\/\/doolounge.com\/tax-free-investment\/"},"modified":"2025-03-15T00:01:13","modified_gmt":"2025-03-14T16:01:13","slug":"tax-free-investment","status":"publish","type":"post","link":"https:\/\/doolounge.com\/es\/tax-free-investment\/","title":{"rendered":"\u00bfLos seguros de tipo inversi\u00f3n est\u00e1n exentos de impuestos?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<span class=\"embed-youtube\" style=\"text-align:center; display: block;\"><iframe loading=\"lazy\" class=\"youtube-player\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/_rlFJTaBdJw?version=3&#038;rel=1&#038;showsearch=0&#038;showinfo=1&#038;iv_load_policy=1&#038;fs=1&#038;hl=es-ES&#038;autohide=2&#038;wmode=transparent\" allowfullscreen=\"true\" style=\"border:0;\" sandbox=\"allow-scripts allow-same-origin allow-popups allow-presentation allow-popups-to-escape-sandbox\"><\/iframe><\/span>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Si usted es una persona ocupada y suele utilizar sus fondos adicionales para invertir en ETF de acciones, seguramente habr\u00e1 o\u00eddo a menudo a los agentes de seguros que le rodean decir: &quot;\u00bfPor qu\u00e9 no contrata un seguro de inversi\u00f3n conmigo? Al menos podr\u00e1 evitar pagar impuestos&quot;.<br><br>Pero \u00bfes realmente cierto, como dijo el agente de seguros, que si compro un seguro de tipo inversi\u00f3n no pagar\u00e9 ning\u00fan impuesto?<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" src=\"https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-576x1024.jpg\" alt=\"\" class=\"wp-image-9608\" srcset=\"https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-576x1024.jpg 576w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-169x300.jpg 169w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-768x1365.jpg 768w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-864x1536.jpg 864w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-7x12.jpg 7w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330.jpg 1013w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">El tratamiento fiscal de los seguros de inversi\u00f3n es, en efecto, diferente al de las acciones generales o los ETF, pero no est\u00e1 completamente exento de impuestos. Depende de las circunstancias:<br><br>1. Revalorizaci\u00f3n de la inversi\u00f3n dentro de la p\u00f3liza:<br><br>En la cuenta de una p\u00f3liza de seguro de tipo inversi\u00f3n, los activos no ser\u00e1n gravados durante el per\u00edodo de apreciaci\u00f3n, que est\u00e1 relacionado con el funcionamiento del fondo dentro de la cuenta de seguro.<br><br>Si los dividendos se mantienen en la p\u00f3liza y no se reclaman, no estar\u00e1n sujetos a impuestos.<br><br>2. Terminaci\u00f3n o Desistimiento Parcial:<br><br>Si rescinde el contrato o realiza un retiro parcial y el monto del retiro excede las primas pagadas, el monto en exceso se considerar\u00e1 &quot;ganancias&quot; y deber\u00e1 incluirse en la declaraci\u00f3n de renta integral personal.<br><br>En t\u00e9rminos generales, el monto excedente se gravar\u00e1 a una tasa que oscilar\u00e1 entre 6% y 40%, dependiendo del tramo de impuesto a la renta integral del individuo.<br><br>3. Reclamaci\u00f3n por muerte:<br><br>Los beneficios por muerte de las p\u00f3lizas de seguro de tipo inversi\u00f3n generalmente no est\u00e1n sujetos a impuestos, pero si el patrimonio total excede el monto libre de impuestos, a\u00fan as\u00ed se incluir\u00e1 en el impuesto al patrimonio.<br><br>4. Diferencias en la tributaci\u00f3n de los dividendos de los ETF:<br><br>Si posee directamente ETF de acciones de Taiw\u00e1n, los dividendos que reciba se considerar\u00e1n ingresos por dividendos y deber\u00e1n incluirse en su impuesto sobre la renta integral personal. Se aplicar\u00e1n las tasas impositivas 28% o 30%.<br><br>Si invierte en ETF indirectamente a trav\u00e9s de una p\u00f3liza de inversi\u00f3n, los dividendos no se pagan directamente a los asegurados, sino que se transfieren a la p\u00f3liza y, por lo tanto, no se gravan inmediatamente.<br><br>Por lo tanto, el seguro de tipo inversi\u00f3n no est\u00e1 completamente libre de impuestos, sino que la carga fiscal se difiere hasta que se termina el contrato o se retiran los beneficios.<br><br>Si el objetivo es la apreciaci\u00f3n de activos a largo plazo, de hecho hay un efecto de aplazamiento de impuestos, pero si los retiros o las terminaciones de contratos se realizan con frecuencia, todav\u00eda habr\u00e1 costos fiscales.<br><br>En cuanto a c\u00f3mo evitar pagar impuestos, hay cuestiones relacionadas con el grado de inversi\u00f3n y c\u00f3mo retirar las ganancias para que el seguro de tipo inversi\u00f3n pueda estar realmente libre de impuestos. M\u00e1s adelante les contar\u00e9 todo esto poco a poco.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<span class=\"embed-youtube\" style=\"text-align:center; display: block;\"><iframe loading=\"lazy\" class=\"youtube-player\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/M9vHGrlsrBA?version=3&#038;rel=1&#038;showsearch=0&#038;showinfo=1&#038;iv_load_policy=1&#038;fs=1&#038;hl=es-ES&#038;autohide=2&#038;wmode=transparent\" allowfullscreen=\"true\" style=\"border:0;\" sandbox=\"allow-scripts allow-same-origin allow-popups allow-presentation allow-popups-to-escape-sandbox\"><\/iframe><\/span>\n<\/div><\/figure>","protected":false},"excerpt":{"rendered":"<p>Los seguros de tipo inversi\u00f3n no est\u00e1n completamente libres de impuestos, pero s\u00ed gozan de la ventaja de la postergaci\u00f3n de los mismos.<\/p>\n<p>Durante la operaci\u00f3n interna de la p\u00f3liza, las plusval\u00edas y dividendos no est\u00e1n gravados, pero si la p\u00f3liza se da por terminada o se retira parcialmente, las ganancias que excedan las primas pagadas deber\u00e1n incluirse en la declaraci\u00f3n del impuesto sobre la renta integral de las personas f\u00edsicas.<\/p>\n<p>Los beneficios por muerte generalmente est\u00e1n exentos de impuestos, pero si el patrimonio excede el monto exento de impuestos, todav\u00eda est\u00e1 sujeto al impuesto al patrimonio.<\/p>\n<p>En comparaci\u00f3n con la tenencia directa de ETF, las pol\u00edticas de inversi\u00f3n pueden diferir los impuestos y son adecuadas para la asignaci\u00f3n de activos a largo plazo, pero los retiros frecuentes a\u00fan tienen costos fiscales.<\/p>","protected":false},"author":2,"featured_media":9608,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"activitypub_content_warning":null,"activitypub_content_visibility":"","activitypub_max_image_attachments":4,"activitypub_interaction_policy_quote":"anyone","activitypub_status":"federated","footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false,"beyondwords_generate_audio":"","beyondwords_project_id":"","beyondwords_content_id":"","beyondwords_player_style":"","beyondwords_language_id":"","beyondwords_title_voice_id":"","beyondwords_body_voice_id":"","beyondwords_summary_voice_id":"","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[70,860,817],"tags":[861,776,849,820],"class_list":["post-9609","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savemoney","category-insurance","category-money","tag-861","tag-776","tag-849","tag-820"],"blocksy_meta":[],"featured_image_urls":{"full":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330.jpg",1013,1800,false],"thumbnail":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-150x150.jpg",150,150,true],"medium":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-169x300.jpg",169,300,true],"medium_large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-768x1365.jpg",768,1365,true],"large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-576x1024.jpg",576,1024,true],"1536x1536":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-864x1536.jpg",864,1536,true],"2048x2048":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330.jpg",1013,1800,false],"trp-custom-language-flag":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-7x12.jpg",7,12,true]},"post_excerpt_stackable":"<p>\u6295\u8cc7\u578b\u4fdd\u96aa\u4e26\u975e\u5b8c\u5168\u514d\u7a05\uff0c\u800c\u662f\u4eab\u6709\u7a05\u52d9\u905e\u5ef6\u7684\u512a\u52e2\u3002<\/p>\n<p>\u5728\u4fdd\u55ae\u5167\u90e8\u904b\u4f5c\u671f\u9593\uff0c\u8cc7\u7522\u589e\u503c\u8207\u914d\u606f\u4e0d\u8ab2\u7a05\uff0c\u4f46\u82e5\u89e3\u7d04\u6216\u90e8\u5206\u63d0\u9818\uff0c\u8d85\u904e\u5df2\u7e73\u4fdd\u8cbb\u7684\u5229\u5f97\u9700\u7d0d\u5165\u500b\u4eba\u7d9c\u5408\u6240\u5f97\u7a05\u7533\u5831\u3002<\/p>\n<p>\u8eab\u6545\u4fdd\u96aa\u91d1\u901a\u5e38\u514d\u7a05\uff0c\u4f46\u82e5\u907a\u7522\u8d85\u904e\u514d\u7a05\u984d\uff0c\u4ecd\u7d0d\u5165\u907a\u7522\u7a05\u7bc4\u7587\u3002<\/p>\n<p>\u8207\u76f4\u63a5\u6301\u6709 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