{"id":2,"date":"2025-05-12T12:14:01","date_gmt":"2025-05-12T12:14:01","guid":{"rendered":"https:\/\/tupensioninteligente.cl\/?page_id=2"},"modified":"2026-06-05T16:05:16","modified_gmt":"2026-06-05T16:05:16","slug":"tu-pension-inteligente-asesoria-previsional-confiable-y-cercana-en-chile","status":"publish","type":"page","link":"https:\/\/tupensioninteligente.cl\/","title":{"rendered":"Inicio"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2\" class=\"elementor elementor-2\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32a1bc2 e-con-full e-flex e-con e-parent\" data-id=\"32a1bc2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-507f967 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-html\" data-id=\"507f967\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"tpi-hero-slider\" data-autoplay=\"5200\" aria-label=\"Slider principal T\u00fa Pensi\u00f3n Inteligente\">\n\n  <div class=\"tpi-slides\">\n\n    <!-- SLIDE 1: HOME -->\n    <article \n      class=\"tpi-slide tpi-slide--home\"\n      style=\"\n        --bg-desktop: url('https:\/\/tupensioninteligente.cl\/wp-content\/uploads\/2025\/06\/Home-copia-scaled.jpeg');\n        --bg-mobile: url('https:\/\/tupensioninteligente.cl\/wp-content\/uploads\/2025\/06\/Version-mobile-copia.jpeg');\n        --pos-desktop: center center;\n        --pos-mobile: center top;\n      \"\n      aria-hidden=\"false\"\n    >\n      <div class=\"tpi-slide__content tpi-slide__content--home\">\n        <h1 class=\"tpi-home-title\">\n          OPTIMIZA<br>\n          TU<br>\n          CAPITAL\n        <\/h1>\n\n        <p class=\"tpi-home-lead\">Tu pensi\u00f3n, tu decisi\u00f3n.<\/p>\n\n        <p class=\"tpi-home-copy\">\n          Asesor\u00eda previsional con m\u00e1s de <strong>30 a\u00f1os de experiencia<\/strong>,\n          <br>ahora m\u00e1s transparente, cercana y digital.\n        <\/p>\n      <\/div>\n\n      <a class=\"tpi-btn tpi-btn--home\" href=\"\/index.php\/simulador\/\">\n        Simula tu renta aqu\u00ed\n      <\/a>\n    <\/article>\n\n\n    <!-- SLIDE 2: APV EMPRENDEDOR -->\n    <article \n      class=\"tpi-slide tpi-slide--apv tpi-slide--emprendedor\"\n      style=\"\n        --bg-desktop: url('https:\/\/tupensioninteligente.cl\/wp-content\/uploads\/2026\/05\/Frame-3-scaled.jpg');\n        --pos-desktop: center center;\n        --pos-mobile: 68% center;\n        --accent: #FFC94D;\n        --btn-text: #15202B;\n      \"\n      aria-hidden=\"true\"\n    >\n      <div class=\"tpi-slide__content\">\n        <h2 class=\"tpi-slide-title\">\n          Emprender es abrir caminos,<br>\n          protegerlos es una<br>\n          <strong>decisi\u00f3n inteligente.<\/strong>\n        <\/h2>\n\n        <p class=\"tpi-slide-copy\">\n          En <strong>T\u00fa Pensi\u00f3n Inteligente APV<\/strong> pensamos<br>\n          en tu desarrollo profesional y lo importante<br>\n          que es tu negocio. Juntos optimizamos tu inversi\u00f3n.\n        <\/p>\n\n        <a class=\"tpi-btn\" href=\"https:\/\/tupensioninteligente.cl\/index.php\/tu-pension-inteligente-apv\">\n          <span class=\"tpi-btn-icon\" aria-hidden=\"true\">\u2713<\/span>\n          Cotiza tu APV aqu\u00ed\n        <\/a>\n      <\/div>\n    <\/article>\n\n\n    <!-- SLIDE 3: APV FAMILIA -->\n    <article \n      class=\"tpi-slide tpi-slide--apv tpi-slide--familia\"\n      style=\"\n        --bg-desktop: url('https:\/\/tupensioninteligente.cl\/wp-content\/uploads\/2026\/05\/Frame-1-scaled.jpg');\n        --pos-desktop: center center;\n        --pos-mobile: 62% center;\n        --accent: #6957FF;\n        --btn-text: #FFFFFF;\n      \"\n      aria-hidden=\"true\"\n    >\n      <div class=\"tpi-slide__content\">\n        <h2 class=\"tpi-slide-title\">\n          Pensar en los que m\u00e1s importan,<br>\n          es una <strong>decisi\u00f3n inteligente.<\/strong>\n        <\/h2>\n\n        <p class=\"tpi-slide-copy\">\n          En <strong>T\u00fa Pensi\u00f3n Inteligente APV<\/strong><br>\n          aseguramos a tu familia, cuidando<br>\n          y rentabilizando el patrimonio de todos.\n        <\/p>\n\n        <a class=\"tpi-btn\" href=\"https:\/\/tupensioninteligente.cl\/index.php\/tu-pension-inteligente-apv\">\n          <span class=\"tpi-btn-icon\" aria-hidden=\"true\">\u2713<\/span>\n          Cotiza tu APV aqu\u00ed\n        <\/a>\n      <\/div>\n    <\/article>\n\n\n    <!-- SLIDE 4: APV LAGUNAS -->\n    <article \n      class=\"tpi-slide tpi-slide--apv tpi-slide--lagunas\"\n      style=\"\n        --bg-desktop: url('https:\/\/tupensioninteligente.cl\/wp-content\/uploads\/2026\/05\/Frame-2-scaled.jpg');\n        --pos-desktop: center center;\n        --pos-mobile: 64% center;\n        --accent: #58F2CE;\n        --btn-text: #6957FF;\n      \"\n      aria-hidden=\"true\"\n    >\n      <div class=\"tpi-slide__content\">\n        <h2 class=\"tpi-slide-title\">\n          Si hubo lagunas en el camino,<br>\n          hoy puedes empezar a cerrarlas<br>\n          con una <strong>decisi\u00f3n inteligente.<\/strong>\n        <\/h2>\n\n        <p class=\"tpi-slide-copy\">\n          En <strong>T\u00fa Pensi\u00f3n Inteligente APV<\/strong>,<br>\n          buscamos la mejor alternativa y la adaptamos<br>\n          a tu estilo de vida maximizando tu capital.\n        <\/p>\n\n        <a class=\"tpi-btn\" href=\"https:\/\/tupensioninteligente.cl\/index.php\/tu-pension-inteligente-apv\">\n          <span class=\"tpi-btn-icon\" aria-hidden=\"true\">\u2713<\/span>\n          Cotiza tu APV aqu\u00ed\n        <\/a>\n      <\/div>\n    <\/article>\n\n  <\/div>\n\n  <div class=\"tpi-slider-dots\" aria-label=\"Controles del slider\">\n    <button class=\"tpi-dot is-active\" type=\"button\" aria-label=\"Ver slide 1\"><\/button>\n    <button class=\"tpi-dot\" type=\"button\" aria-label=\"Ver slide 2\"><\/button>\n    <button class=\"tpi-dot\" type=\"button\" aria-label=\"Ver slide 3\"><\/button>\n    <button class=\"tpi-dot\" type=\"button\" aria-label=\"Ver slide 4\"><\/button>\n  <\/div>\n\n<\/section>\n\n\n<script>\n(function () {\n  const sliders = document.querySelectorAll('.tpi-hero-slider');\n\n  sliders.forEach(function (slider) {\n    const track = slider.querySelector('.tpi-slides');\n    const slides = Array.from(slider.querySelectorAll('.tpi-slide'));\n    const dots = Array.from(slider.querySelectorAll('.tpi-dot'));\n    const autoplayTime = parseInt(slider.getAttribute('data-autoplay'), 10) || 0;\n\n    let current = 0;\n    let timer = null;\n    let touchStartX = 0;\n    let touchEndX = 0;\n\n    function goTo(index) {\n      const nextIndex = (index + slides.length) % slides.length;\n      current = nextIndex;\n\n      track.style.transform = 'translateX(-' + (current * 25) + '%)';\n\n      slides.forEach(function (slide, i) {\n        slide.setAttribute('aria-hidden', i === current ? 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Sabemos lo importante que es este momento para ti, por eso contamos con un equipo de especialistas dedicados exclusivamente a guiarte en este proceso. Te acompa\u00f1amos con estudios, simulaciones y proyecciones personalizadas que te permitir\u00e1n comparar opciones y complementar tu pensi\u00f3n con los beneficios que trae la nueva reforma previsional.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52a1f2c gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"52a1f2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-1' class='gallery galleryid-2 gallery-columns-3 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<img decoding=\"async\" width=\"435\" height=\"326\" src=\"https:\/\/tupensioninteligente.cl\/wp-content\/uploads\/2025\/06\/cmf-comision-mercado-financiero.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/tupensioninteligente.cl\/wp-content\/uploads\/2025\/06\/cmf-comision-mercado-financiero.png 435w, https:\/\/tupensioninteligente.cl\/wp-content\/uploads\/2025\/06\/cmf-comision-mercado-financiero-300x225.png 300w\" sizes=\"(max-width: 435px) 100vw, 435px\" \/>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<img decoding=\"async\" width=\"321\" height=\"157\" src=\"https:\/\/tupensioninteligente.cl\/wp-content\/uploads\/2025\/06\/WhatsApp-Image-2025-06-06-at-10.15.22-2.jpeg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/tupensioninteligente.cl\/wp-content\/uploads\/2025\/06\/WhatsApp-Image-2025-06-06-at-10.15.22-2.jpeg 321w, https:\/\/tupensioninteligente.cl\/wp-content\/uploads\/2025\/06\/WhatsApp-Image-2025-06-06-at-10.15.22-2-300x147.jpeg 300w\" sizes=\"(max-width: 321px) 100vw, 321px\" \/>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4de5f5c e-grid e-con-full elementor-invisible e-con e-parent\" data-id=\"4de5f5c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;slideInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9188ab elementor-widget elementor-widget-counter\" data-id=\"f9188ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Clientes asesorados<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\">+<\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"10000\" data-from-value=\"0\" data-delimiter=\".\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecbe05c elementor-widget elementor-widget-counter\" data-id=\"ecbe05c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">A\u00f1os de experiencia<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\">+<\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"30\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-550162d elementor-widget elementor-widget-counter\" data-id=\"550162d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">En pensiones gestionandas<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\">$<\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"30\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">M UF<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a677c3b elementor-widget elementor-widget-counter\" data-id=\"a677c3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Tr\u00e1mite sin costo<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"100\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">%<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d35132 e-con-full e-flex e-con e-parent\" data-id=\"1d35132\" data-element_type=\"container\" data-e-type=\"container\" id=\"Servicios\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e3f9608 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"e3f9608\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">NUESTROS\n<br>SERVICIOS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-009fb56 elementor-invisible elementor-widget elementor-widget-html\" data-id=\"009fb56\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"servicios-section\">\n \n  <div class=\"servicios-grid\">\n    \n    <div class=\"servicio-item\">\n      <div class=\"icono\" style=\"background-color: #172837;\"><i class=\"fas fa-user-clock\"><\/i><\/div>\n      <h2>Tramitaci\u00f3n de Pensi\u00f3n<\/h2>\n      <p>Vejez, vejez anticipada, invalidez o sobrevivencia: gestionamos tu pensi\u00f3n de forma clara, r\u00e1pida y personalizada.<\/p>\n    <\/div>\n\n    <div class=\"servicio-item\">\n      <div class=\"icono\" style=\"background-color: #4472FF;\"><i class=\"fas fa-chart-line\"><\/i><\/div>\n      <h2>Mejora de Pensi\u00f3n Vigente<\/h2>\n      <p>\u00bfYa est\u00e1s pensionado? Evaluamos si puedes cambiar de modalidad para obtener mejores condiciones.<\/p>\n    <\/div>\n\n    <div class=\"servicio-item\">\n      <div class=\"icono\" style=\"background-color: #C1D8E4;\"><i class=\"fas fa-shield-alt\"><\/i><\/div>\n      <h2>Pensiones Vitalicias<\/h2>\n      <p>Analizamos alternativas para subir el monto de tu jubilaci\u00f3n por un tiempo y\/o asegurar pensiones a tus beneficiarios.<\/p>\n    <\/div>\n\n    <div class=\"servicio-item\">\n      <div class=\"icono\" style=\"background-color: #5CE3D3;\"><i class=\"fas fa-hand-holding-usd\"><\/i><\/div>\n      <h2>Retiro de Excedentes<\/h2>\n      <p>Te guiamos para acceder a tus excedentes sin perjudicar tu pensi\u00f3n futura.<\/p>\n    <\/div>\n\n    <div class=\"servicio-item\">\n      <div class=\"icono\" style=\"background-color: #E0F3DD;\"><i class=\"fas fa-hourglass-half\"><\/i><\/div>\n      <h2>Pensiones Futuras<\/h2>\n      <p>Evaluamos tu situaci\u00f3n actual y te ayudamos a mejorar tu pensi\u00f3n futura.<\/p>\n    <\/div>\n     <div class=\"servicio-item\">\n      <div class=\"icono\" style=\"background-color: #D7D3C1;\"><i class=\"fas fa-file-invoice-dollar\"><\/i><\/div>\n      <h2>Rentas Privadas<\/h2>\n      <p>Te ofrecemos modalidades de pensi\u00f3n con capitales privados no previsionales. Cuyas pensiones no generan ninguna carga tributaria (Ley 20.190 MK2).<\/p>\n    <\/div>\n\n\n  <\/div>\n<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b966982 e-con-full e-flex e-con e-parent\" data-id=\"b966982\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a4210e1 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"a4210e1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;slideInLeft&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bec49c elementor-widget elementor-widget-html\" data-id=\"0bec49c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.faq-container {\n  max-width: 800px;\n  margin: 60px auto;\n  font-family: 'Degular', sans-serif;\n  font-size: 20px;\n  font-weight: 400;\n  color: #111;\n}\n\n.faq-item {\n  border-bottom: 1px solid #ddd;\n  padding: 16px 0;\n}\n\n.faq-question {\n  cursor: pointer;\n  position: relative;\n  padding-right: 30px;\n  font-weight: 400;\n  display: block;\n  transition: color 0.3s ease;\n}\n\n.faq-question::after {\n  content: '+';\n  position: absolute;\n  right: 0;\n  top: 0;\n  font-size: 24px;\n  color: #4472FF;\n  transition: transform 0.3s ease;\n}\n\n.faq-answer {\n  max-height: 0;\n  overflow: hidden;\n  transition: max-height 0.5s ease;\n  margin-top: 8px;\n  color: #444;\n  font-weight: 300;\n  line-height: 1.5;\n}\n\ninput[type=\"checkbox\"] {\n  display: none;\n}\n\ninput[type=\"checkbox\"]:checked ~ .faq-answer {\n  max-height: 500px;\n}\n\ninput[type=\"checkbox\"]:checked ~ label.faq-question::after {\n  content: '\u2013';\n  transform: rotate(180deg);\n  color: #4472FF;\n}\n<\/style>\n\n<div class=\"faq-container\">\n  \n  <div class=\"faq-item\">\n    <input type=\"checkbox\" id=\"faq1\">\n    <label class=\"faq-question\" for=\"faq1\">\u00bfEstoy tomando la mejor decisi\u00f3n con mi pensi\u00f3n\u2026 o podr\u00eda mejorarla?<\/label>\n    <div class=\"faq-answer\">\n      <p>Muchas personas toman decisiones importantes sobre su pensi\u00f3n sin conocer todas las alternativas disponibles. Evaluar tu modalidad de pensi\u00f3n \u2014como renta vitalicia o retiro programado\u2014 puede marcar una gran diferencia en tu ingreso mensual. En Tu Pensi\u00f3n Inteligente revisamos tu caso y te ayudamos a tomar la decisi\u00f3n m\u00e1s conveniente, sin presiones ni costos para ti.<\/p>\n    <\/div>\n  <\/div>\n\n  <div class=\"faq-item\">\n    <input type=\"checkbox\" id=\"faq2\">\n    <label class=\"faq-question\" for=\"faq2\">\u00bfQu\u00e9 opciones tengo si quiero pensionarme antes de la edad legal?<\/label>\n    <div class=\"faq-answer\">\n      <p>La pensi\u00f3n anticipada es una posibilidad real si cumples ciertos requisitos financieros. Te ayudamos a simular tu pensi\u00f3n, verificar si cumples las condiciones legales y entender c\u00f3mo afectar\u00eda tu monto final. Con la informaci\u00f3n clara, puedes decidir si te conviene adelantar tu retiro o seguir cotizando un tiempo m\u00e1s.<\/p>\n    <\/div>\n  <\/div>\n\n  <div class=\"faq-item\">\n    <input type=\"checkbox\" id=\"faq3\">\n    <label class=\"faq-question\" for=\"faq3\">\u00bfPuedo mejorar mi pensi\u00f3n actual aunque ya est\u00e9 jubilado?<\/label>\n    <div class=\"faq-answer\">\n      <p>S\u00ed. Si ya est\u00e1s pensionado bajo retiro programado, a\u00fan puedes evaluar cambiarte a renta vitalicia, si las condiciones te favorecen. Tambi\u00e9n puedes revisar si tienes nuevos aportes \tprevisionales por cotizaciones, por bonos liquidados, por traspasos de AFP o por dep\u00f3sitos convenidos. En Pensi\u00f3n Inteligente analizamos tu contrato actual y buscamos oportunidades de mejora.<\/p>\n    <\/div>\n  <\/div>\n\n  <div class=\"faq-item\">\n    <input type=\"checkbox\" id=\"faq4\">\n    <label class=\"faq-question\" for=\"faq4\">\u00bfC\u00f3mo puedo planificar desde ya una pensi\u00f3n que me permita vivir tranquilo ma\u00f1ana?<\/label>\n    <div class=\"faq-answer\">\n      <p>La clave est\u00e1 en anticiparse. Si a\u00fan est\u00e1s trabajando, puedes mejorar tu futura pensi\u00f3n optimizando tu fondo de pensiones, cotizando de forma completa o sumando herramientas como el ahorro previsional voluntario (APV), el Ahorro Previsional Voluntario Colectivo (APVC) y\/o Dep\u00f3sitos Convenidos. Te orientamos paso a paso, para que tomes buenas decisiones desde hoy.<\/p>\n    <\/div>\n  <\/div>\n\n  <div class=\"faq-item\">\n    <input type=\"checkbox\" id=\"faq5\">\n    <label class=\"faq-question\" for=\"faq5\">\u00bfC\u00f3mo s\u00e9 si me conviene cambiar mi modalidad de pensi\u00f3n?<\/label>\n    <div class=\"faq-answer\">\n      <p>Cada modalidad tiene ventajas y desventajas. Por ejemplo, si estas en retiro programado, podemos evaluar que tan rentable es tomar una pensi\u00f3n estable en el tiempo a trav\u00e9s de una renta vitalicia. Con nuestra asesor\u00eda, evaluamos tu situaci\u00f3n actual, tus objetivos personales y te ayudamos a elegir lo m\u00e1s conveniente.<\/p>\n    <\/div>\n  <\/div>\n\n  <div class=\"faq-item\">\n    <input type=\"checkbox\" id=\"faq6\">\n    <label class=\"faq-question\" for=\"faq6\">\u00bfQu\u00e9 son los excedentes de libre disposici\u00f3n y c\u00f3mo puedo retirarlos?<\/label>\n    <div class=\"faq-answer\">\n      <p>Los excedentes de libre disposici\u00f3n son fondos adicionales que puedes retirar cuando tu pensi\u00f3n supera ciertos l\u00edmites establecidos por ley. Si tienes derecho a ellos puedes recibirlos en un s\u00f3lo pago ajustado a 800 UTM de franquicia tributaria o parcialmente en 6 cuotas de 200 UTM anuales totalizando 1200 UTM de franquicia tributaria. Nosotros te ayudamos a verificar si los tienes y c\u00f3mo acceder a ellos.<\/p>\n    <\/div>\n  <\/div>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-be2ca34 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"be2ca34\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;slideInRight&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0be48e elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"c0be48e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"> PREGUNTAS\n <BR> FRECUENTES<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>OPTIMIZA TU CAPITAL Tu pensi\u00f3n, tu decisi\u00f3n. Asesor\u00eda previsional con m\u00e1s de 30 a\u00f1os de experiencia, ahora m\u00e1s transparente, cercana y digital. Simula tu renta aqu\u00ed Emprender es abrir caminos, protegerlos es una decisi\u00f3n inteligente. En T\u00fa Pensi\u00f3n Inteligente APV pensamos en tu desarrollo profesional y lo importante que es tu negocio. Juntos optimizamos tu [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":966,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-2","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Inicio - Tu pension inteligente<\/title>\n<meta name=\"description\" content=\"Optimiza tu pensi\u00f3n con asesor\u00eda personalizada, transparente y digital. 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