{"id":1352,"date":"2025-08-25T14:12:10","date_gmt":"2025-08-25T14:12:10","guid":{"rendered":"https:\/\/pierclub.com\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/"},"modified":"2026-03-18T12:53:51","modified_gmt":"2026-03-18T12:53:51","slug":"on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida","status":"publish","type":"post","link":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/","title":{"rendered":"On invertir 10.000\u20ac el 2025: opcions amb rendibilitat definida"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Resum curt<\/strong><\/h2>\n\n<p>Si teniu 10.000 \u20ac o menys i busqueu rendibilitat clara sense comprar habitatge, hi ha diverses alternatives. En aquest article les comparem de forma pr\u00e0ctica i us mostrem per qu\u00e8 el <strong>pr\u00e9stec participatiu<\/strong> pot ser l&#8217;opci\u00f3 m\u00e9s directa i predictible per al 2025. <\/p>\n\n<p>Si \u00e9s la vostra primera vegada amb el <strong>pr\u00e9stec participatiu<\/strong>, <a href=\"https:\/\/pierclub.com\/ca\/que-es-un-prestec-participatiu-i-per-que-pot-ser-una-forma-rendible-dinvertir\/\">aqu\u00ed<\/a> expliquem el model amb exemples senzills.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Punts clau<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li>La compra d&#8217;habitatge no \u00e9s l&#8217;\u00fanica via. Podeu <strong>invertir sense ser propietari<\/strong> ni gestionar inquilins. <\/li>\n\n\n\n<li>Els <strong>pr\u00e9stecs participatius<\/strong> ofereixen <strong>retorn fix per contracte<\/strong> i entrada accessible.<\/li>\n\n\n\n<li>Amb <strong>Pier Club<\/strong> invertiu des de <strong>1.000 \u20ac<\/strong>, a <strong>12 o 24 mesos<\/strong>, amb <strong>10% fix<\/strong> i <strong>suport per actiu immobiliari<\/strong>.<\/li>\n\n\n\n<li>Decidiu per dades: compareu retorn, liquiditat, risc i temps que exigeix cada alternativa.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Per qu\u00e8 partir de 10.000 \u20ac<\/strong><\/h2>\n\n<p>10.000 \u20ac \u00e9s un punt de partida habitual per a un inversor particular que vol provar una alternativa sense immobilitzar massa capital. A m\u00e9s, permet diversificar entre 2 o 3 opcions i comparar resultats de forma realista. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Les principals opcions per al 2025<\/strong><\/h2>\n\n<h3 class=\"wp-block-heading\"><strong>1) Pr\u00e9stec participatiu immobiliari<\/strong><\/h3>\n\n<p>Cedeix capital a una empresa per a un projecte concret i rep un inter\u00e8s pactat per contracte.<\/p>\n\n<h4 class=\"wp-block-heading\"><strong>Avantatges<\/strong><\/h4>\n\n<ul class=\"wp-block-list\">\n<li><strong>Retorn definit<\/strong>. A Pier Club: <strong>10% fix<\/strong> en <strong>12 o 24 mesos<\/strong>. <\/li>\n\n\n\n<li><strong>Sense comprar ni gestionar<\/strong>. Res d&#8217;inquilins, reparacions o hipoteques. <\/li>\n\n\n\n<li><strong>Entrada des de 1.000 \u20ac<\/strong>.<\/li>\n\n\n\n<li><strong>Suport per actiu immobiliari<\/strong> i <strong>coinversi\u00f3<\/strong> de Pier Club en els projectes.<\/li>\n<\/ul>\n\n<h4 class=\"wp-block-heading\"><strong>A tenir en compte<\/strong><\/h4>\n\n<ul class=\"wp-block-list\">\n<li><strong>Liquiditat<\/strong>: el vostre capital roman fins al venciment.<\/li>\n\n\n\n<li>Exigeix llegir i entendre el contracte.<\/li>\n<\/ul>\n\n<p>M\u00e9s info de concepte: veure qu\u00e8 \u00e9s un pr\u00e9stec participatiu i com invertir sense comprar habitatge.<\/p>\n\n<p>Si voleu una visi\u00f3 \u00e0mplia abans de decidir, aqu\u00ed comparem com <strong><a href=\"https:\/\/pierclub.com\/como-invertir-sin-comprar-una-propiedad-alternativas-reales-en-2025\/\">invertir sense comprar habitatge<\/a><\/strong> el 2025.<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>2) REITs o SOCIMI<\/strong><\/h3>\n\n<p>Accions de societats que inverteixen en immobles i cotitzen en borsa.<\/p>\n\n<h4 class=\"wp-block-heading\"><strong>Pros<\/strong><\/h4>\n\n<ul class=\"wp-block-list\">\n<li>Alta liquiditat.<\/li>\n\n\n\n<li>Diversificaci\u00f3 per actius.<\/li>\n<\/ul>\n\n<h4 class=\"wp-block-heading\"><strong>Contres<\/strong><\/h4>\n\n<ul class=\"wp-block-list\">\n<li>Rendibilitat <strong>variable<\/strong> i lligada al mercat borsari.<\/li>\n\n\n\n<li>Menor control sobre el rendiment final.<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><strong>3) Crowdlending immobiliari<\/strong><\/h3>\n\n<p>Plataformes que agrupen inversors per finan\u00e7ar promocions o reformes.<\/p>\n\n<h4 class=\"wp-block-heading\"><strong>Pros<\/strong><\/h4>\n\n<ul class=\"wp-block-list\">\n<li>Entrada baixa.<\/li>\n\n\n\n<li>\u00c0mplia oferta de projectes.<\/li>\n<\/ul>\n\n<h4 class=\"wp-block-heading\"><strong>Contres<\/strong><\/h4>\n\n<ul class=\"wp-block-list\">\n<li>Nivell de <strong>transpar\u00e8ncia<\/strong> i garanties desigual segons plataforma.<\/li>\n\n\n\n<li>Selecci\u00f3 complexa de promotors i projectes.<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><strong>4) Dip\u00f2sits i renda fixa a curt termini<\/strong><\/h3>\n\n<p>Alternatives conservadores de bancs o fons monetaris.<\/p>\n\n<h4 class=\"wp-block-heading\"><strong>Pros<\/strong><\/h4>\n\n<ul class=\"wp-block-list\">\n<li>Simplicitat i liquiditat alta.<\/li>\n\n\n\n<li>Volatilitat baixa.<\/li>\n<\/ul>\n\n<h4 class=\"wp-block-heading\"><strong>Contres<\/strong><\/h4>\n\n<ul class=\"wp-block-list\">\n<li>Rendibilitat normalment <strong>inferior<\/strong> a alternatives immobili\u00e0ries.<\/li>\n\n\n\n<li>Pot no batre la inflaci\u00f3 en certs escenaris.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Comparativa r\u00e0pida<\/strong><\/h2>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Model<\/strong><\/td><td><strong>Entrada aprox.  <\/strong><\/td><td><strong>Rendibilitat esperada<\/strong><\/td><td><strong>Liquiditat<\/strong><\/td><td><strong>Gesti\u00f3 pr\u00f2pia<\/strong><\/td><td><strong>Control sobre l&#8217;actiu<\/strong><\/td><\/tr><tr><td><strong>Pr\u00e9stec participatiu<\/strong><\/td><td><strong>1.000\u20ac<\/strong><\/td><td><strong>Fixa per contracte<\/strong><\/td><td><strong>Baixa fins al venc.<\/strong><\/td><td><strong>Molt baixa<\/strong><\/td><td><strong>Alta claredat contractual<\/strong><\/td><\/tr><tr><td>REITs \/ SOCIMI<\/td><td>100\u20ac<\/td><td>Variable<\/td><td>Mitjana<\/td><td>Baixa<\/td><td>Mitjana<\/td><\/tr><tr><td>Crowdlending immobiliari<\/td><td>50-100\u20ac<\/td><td>Variable<\/td><td>Mitjana<\/td><td>Baixa<\/td><td>Mitjana<\/td><\/tr><tr><td>Dip\u00f2sit \/ renda fixa curta<\/td><td>100-1.000\u20ac<\/td><td>Baixa-mitjana<\/td><td>Alta<\/td><td>Molt baixa<\/td><td>N.A<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p>Nota: les dades de REITs, crowdlending i dip\u00f2sits s\u00f3n orientatives i depenen del mercat, producte i prove\u00efdor.  <\/p>\n\n<p>Llegiu el nostre article sobre qu\u00e8 signifiquen les <a href=\"https:\/\/pierclub.com\/inversiones-con-retorno-garantizado-que-significa-realmente\/\">inversions amb retorn garantit<\/a>.  <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Exemple pr\u00e0ctic amb 10.000 \u20ac<\/strong><\/h2>\n\n<p>Suposem que destineu 10.000 \u20ac a un <strong>pr\u00e9stec participatiu<\/strong> a 12 mesos amb <strong>10% fix<\/strong>.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Inter\u00e8s brut<\/strong>: 1.000 \u20ac<\/li>\n\n\n\n<li><strong>Retenci\u00f3 IRPF<\/strong> estimada del 19%: 190 \u20ac<\/li>\n\n\n\n<li><strong>Inter\u00e8s net aproximat<\/strong>: 810 \u20ac<\/li>\n\n\n\n<li><strong>Capital a venciment<\/strong>: 10.000 \u20ac + 810 \u20ac nets<\/li>\n<\/ul>\n\n<p>\u00c9s un exemple il\u00b7lustratiu amb xifres rodones. Consulteu sempre les condicions i la vostra situaci\u00f3 fiscal concreta. <br\/>Voleu veure un cas real? Mireu aquesta <strong><a href=\"https:\/\/pierclub.com\/ca\/invertir-a-lombok-amb-pier-club-investments-guia-i-projecte-real\/\">oportunitat a Lombok<\/a><\/strong> amb retorn definit. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Per a qui \u00e9s cada opci\u00f3?<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><strong>Vull retorn clar i predictible sense comprar habitatge<\/strong>: pr\u00e9stec participatiu amb Pier Club.<\/li>\n\n\n\n<li><strong>Vull liquiditat di\u00e0ria i em sento c\u00f2mode amb borsa<\/strong>: REITs.<\/li>\n\n\n\n<li><strong>Vull explorar molts projectes petits<\/strong>: crowdlending amb selecci\u00f3 rigorosa.<\/li>\n\n\n\n<li><strong>Vull simplicitat i m\u00e0xima liquiditat<\/strong>: dip\u00f2sits o renda fixa curta.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Per qu\u00e8 molts inversors trien Pier Club per comen\u00e7ar<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><strong>10% fix<\/strong> per contracte en 12 o 24 mesos.<\/li>\n\n\n\n<li><strong>Des de 1.000 \u20ac<\/strong>.<\/li>\n\n\n\n<li><strong>Suport per actiu immobiliari<\/strong>.<\/li>\n\n\n\n<li><strong>Coinversi\u00f3<\/strong>: Pier Club inverteix en els mateixos projectes que ofereix.<\/li>\n\n\n\n<li><strong>7+ anys d&#8217;experi\u00e8ncia<\/strong> i enfocament 100 % transparent.<\/li>\n<\/ul>\n\n<p>Descobriu m\u00e9s sobre el <a href=\"https:\/\/pierclub.com\/ca\/com-funciona-una-inversio-amb-pier-club-pas-a-pas\/\">model de Pier Club<\/a> pas a pas.  <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Com comen\u00e7ar pas a pas<\/strong><\/h2>\n\n<ol class=\"wp-block-list\">\n<li><strong>Sol\u00b7liciteu informaci\u00f3<\/strong> i expliqueu-nos el vostre objectiu i termini.<\/li>\n\n\n\n<li><strong>Rebeu la fitxa<\/strong> del projecte actiu i resoleu dubtes en una trucada.<\/li>\n\n\n\n<li><strong>Formalitzeu el contracte<\/strong> del pr\u00e9stec participatiu.<\/li>\n\n\n\n<li><strong>Feu seguiment<\/strong> amb els nostres informes.<\/li>\n\n\n\n<li><strong>Cobreu capital i interessos<\/strong> al venciment.<\/li>\n<\/ol>\n\n<p><a href=\"https:\/\/pierclub.com\/ca\/quina-rendibilitat-podeu-esperar-dun-prestec-participatiu-immobiliari\/\">Llegiu<\/a> sobre quina rendibilitat podeu esperar d&#8217;un pr\u00e9stec participatiu.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Preguntes freq\u00fcents<\/strong><\/h2>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1758710499220\"><strong class=\"schema-faq-question\"><strong>Puc diversificar 10.000 \u20ac en diversos projectes de Pier Club?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ed. En ser tiquets des de 1.000 \u20ac, podeu repartir capital per terminis o projectes. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758710507483\"><strong class=\"schema-faq-question\"><strong>Qu\u00e8 passa si necessito els diners abans?<\/strong><\/strong> <p class=\"schema-faq-answer\">El pr\u00e9stec t\u00e9 termini tancat. Si prioritzeu liquiditat, valoreu deixar una part en productes l\u00edquids. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758710521419\"><strong class=\"schema-faq-question\"><strong>Quines garanties hi ha?<\/strong><\/strong> <p class=\"schema-faq-answer\">Cada operaci\u00f3 es recolza en un <strong>actiu immobiliari<\/strong>. A m\u00e9s, Pier Club <strong>coinverteix<\/strong> per alinear interessos. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758710535530\"><strong class=\"schema-faq-question\"><strong>Com tributen els interessos?<\/strong><\/strong> <p class=\"schema-faq-answer\">Com <strong>rendiments del capital mobiliari<\/strong> en IRPF. En el moment del pagament es pot aplicar retenci\u00f3. Consulteu el vostre assessor.  <\/p> <\/div> <\/div>\n\n<h2 class=\"wp-block-heading\"><strong>Conclusi\u00f3<\/strong><\/h2>\n\n<p>Si busqueu <strong>rendibilitat definida<\/strong> amb <strong>entrada accessible<\/strong> i <strong>zero gesti\u00f3<\/strong>, el <strong>pr\u00e9stec participatiu<\/strong> \u00e9s una de les opcions m\u00e9s directes per al 2025. Amb 10.000 \u20ac podeu comen\u00e7ar de forma ordenada i comparar resultats sense comprar habitatge ni assumir-ne la complexitat. <\/p>\n\n<p><strong>Seg\u00fcent pas<\/strong>: <a href=\"https:\/\/pierclub.com\/invierte-con-pier-club\/\">sol\u00b7liciteu la fitxa del projecte actiu<\/a> i agendeu una trucada de 15 minuts amb l&#8217;equip de Pier Club.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Resum curt Si teniu 10.000 \u20ac o menys i busqueu rendibilitat clara sense comprar habitatge, hi ha diverses alternatives. En [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1353,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","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":"","ast-disable-related-posts":"","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-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[11],"tags":[],"class_list":["post-1352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>On invertir 10.000 \u20ac el 2025: rendibilitat definida<\/title>\n<meta name=\"description\" content=\"Guia 2025: on invertir 10.000 \u20ac. Compara pr\u00e9stecs participatius (10% fix), REITs, crowdlending i dip\u00f2sits per a un retorn definit.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"On invertir 10.000 \u20ac el 2025: rendibilitat definida\" \/>\n<meta property=\"og:description\" content=\"Guia 2025: on invertir 10.000 \u20ac. Compara pr\u00e9stecs participatius (10% fix), REITs, crowdlending i dip\u00f2sits per a un retorn definit.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/\" \/>\n<meta property=\"og:site_name\" content=\"Pier Club\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-25T14:12:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-18T12:53:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/08\/donde-invertir-10000E-2025.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"801\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Joan Muntada\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Joan Muntada\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/\"},\"author\":{\"name\":\"Joan Muntada\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#\\\/schema\\\/person\\\/1dd4e2aa6d1d789ede61873fc1bc475b\"},\"headline\":\"On invertir 10.000\u20ac el 2025: opcions amb rendibilitat definida\",\"datePublished\":\"2025-08-25T14:12:10+00:00\",\"dateModified\":\"2026-03-18T12:53:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/\"},\"wordCount\":859,\"publisher\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/pierclub.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/donde-invertir-10000E-2025.jpg\",\"articleSection\":[\"Sin categorizar\"],\"inLanguage\":\"ca\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/\",\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/\",\"name\":\"On invertir 10.000 \u20ac el 2025: rendibilitat definida\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/pierclub.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/donde-invertir-10000E-2025.jpg\",\"datePublished\":\"2025-08-25T14:12:10+00:00\",\"dateModified\":\"2026-03-18T12:53:51+00:00\",\"description\":\"Guia 2025: on invertir 10.000 \u20ac. Compara pr\u00e9stecs participatius (10% fix), REITs, crowdlending i dip\u00f2sits per a un retorn definit.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#faq-question-1758710499220\"},{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#faq-question-1758710507483\"},{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#faq-question-1758710521419\"},{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#faq-question-1758710535530\"}],\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#primaryimage\",\"url\":\"https:\\\/\\\/pierclub.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/donde-invertir-10000E-2025.jpg\",\"contentUrl\":\"https:\\\/\\\/pierclub.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/donde-invertir-10000E-2025.jpg\",\"width\":1200,\"height\":801,\"caption\":\"Pr\u00e9stecs participatius per invertir 10.000\u20ac el 2025\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/pier-club-inversio-immobiliaria\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"On invertir 10.000\u20ac el 2025: opcions amb rendibilitat definida\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#website\",\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/\",\"name\":\"Pier Club\",\"description\":\"Viviendas exclusivas con alta rentabilidad\",\"publisher\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#organization\"},\"alternateName\":\"Confidence Changes Everything\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#organization\",\"name\":\"Pier Club\",\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/pierclub.com\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Recurso-1.svg\",\"contentUrl\":\"https:\\\/\\\/pierclub.com\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Recurso-1.svg\",\"width\":917,\"height\":216,\"caption\":\"Pier Club\"},\"image\":{\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/#\\\/schema\\\/person\\\/1dd4e2aa6d1d789ede61873fc1bc475b\",\"name\":\"Joan Muntada\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/113b77d5b69ce6428f4423ec8284a9839f7f6462db2e498adad5ab803676c96c?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/113b77d5b69ce6428f4423ec8284a9839f7f6462db2e498adad5ab803676c96c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/113b77d5b69ce6428f4423ec8284a9839f7f6462db2e498adad5ab803676c96c?s=96&d=mm&r=g\",\"caption\":\"Joan Muntada\"},\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/author\\\/joan\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#faq-question-1758710499220\",\"position\":1,\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#faq-question-1758710499220\",\"name\":\"Puc diversificar 10.000 \u20ac en diversos projectes de Pier Club?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\u00ed. En ser tiquets des de 1.000 \u20ac, podeu repartir capital per terminis o projectes. \",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#faq-question-1758710507483\",\"position\":2,\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#faq-question-1758710507483\",\"name\":\"Qu\u00e8 passa si necessito els diners abans?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"El pr\u00e9stec t\u00e9 termini tancat. Si prioritzeu liquiditat, valoreu deixar una part en productes l\u00edquids. \",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#faq-question-1758710521419\",\"position\":3,\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#faq-question-1758710521419\",\"name\":\"Quines garanties hi ha?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cada operaci\u00f3 es recolza en un <strong>actiu immobiliari<\\\/strong>. A m\u00e9s, Pier Club <strong>coinverteix<\\\/strong> per alinear interessos. \",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#faq-question-1758710535530\",\"position\":4,\"url\":\"https:\\\/\\\/pierclub.com\\\/ca\\\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\\\/#faq-question-1758710535530\",\"name\":\"Com tributen els interessos?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Com <strong>rendiments del capital mobiliari<\\\/strong> en IRPF. En el moment del pagament es pot aplicar retenci\u00f3. Consulteu el vostre assessor.  \",\"inLanguage\":\"ca\"},\"inLanguage\":\"ca\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"On invertir 10.000 \u20ac el 2025: rendibilitat definida","description":"Guia 2025: on invertir 10.000 \u20ac. Compara pr\u00e9stecs participatius (10% fix), REITs, crowdlending i dip\u00f2sits per a un retorn definit.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/","og_locale":"ca_ES","og_type":"article","og_title":"On invertir 10.000 \u20ac el 2025: rendibilitat definida","og_description":"Guia 2025: on invertir 10.000 \u20ac. Compara pr\u00e9stecs participatius (10% fix), REITs, crowdlending i dip\u00f2sits per a un retorn definit.","og_url":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/","og_site_name":"Pier Club","article_published_time":"2025-08-25T14:12:10+00:00","article_modified_time":"2026-03-18T12:53:51+00:00","og_image":[{"width":1200,"height":801,"url":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/08\/donde-invertir-10000E-2025.jpg","type":"image\/jpeg"}],"author":"Joan Muntada","twitter_card":"summary_large_image","twitter_misc":{"Escrit per":"Joan Muntada","Temps estimat de lectura":"4 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#article","isPartOf":{"@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/"},"author":{"name":"Joan Muntada","@id":"https:\/\/pierclub.com\/ca\/#\/schema\/person\/1dd4e2aa6d1d789ede61873fc1bc475b"},"headline":"On invertir 10.000\u20ac el 2025: opcions amb rendibilitat definida","datePublished":"2025-08-25T14:12:10+00:00","dateModified":"2026-03-18T12:53:51+00:00","mainEntityOfPage":{"@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/"},"wordCount":859,"publisher":{"@id":"https:\/\/pierclub.com\/ca\/#organization"},"image":{"@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#primaryimage"},"thumbnailUrl":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/08\/donde-invertir-10000E-2025.jpg","articleSection":["Sin categorizar"],"inLanguage":"ca"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/","url":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/","name":"On invertir 10.000 \u20ac el 2025: rendibilitat definida","isPartOf":{"@id":"https:\/\/pierclub.com\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#primaryimage"},"image":{"@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#primaryimage"},"thumbnailUrl":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/08\/donde-invertir-10000E-2025.jpg","datePublished":"2025-08-25T14:12:10+00:00","dateModified":"2026-03-18T12:53:51+00:00","description":"Guia 2025: on invertir 10.000 \u20ac. Compara pr\u00e9stecs participatius (10% fix), REITs, crowdlending i dip\u00f2sits per a un retorn definit.","breadcrumb":{"@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#faq-question-1758710499220"},{"@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#faq-question-1758710507483"},{"@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#faq-question-1758710521419"},{"@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#faq-question-1758710535530"}],"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#primaryimage","url":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/08\/donde-invertir-10000E-2025.jpg","contentUrl":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/08\/donde-invertir-10000E-2025.jpg","width":1200,"height":801,"caption":"Pr\u00e9stecs participatius per invertir 10.000\u20ac el 2025"},{"@type":"BreadcrumbList","@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/pierclub.com\/ca\/pier-club-inversio-immobiliaria\/"},{"@type":"ListItem","position":2,"name":"On invertir 10.000\u20ac el 2025: opcions amb rendibilitat definida"}]},{"@type":"WebSite","@id":"https:\/\/pierclub.com\/ca\/#website","url":"https:\/\/pierclub.com\/ca\/","name":"Pier Club","description":"Viviendas exclusivas con alta rentabilidad","publisher":{"@id":"https:\/\/pierclub.com\/ca\/#organization"},"alternateName":"Confidence Changes Everything","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/pierclub.com\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Organization","@id":"https:\/\/pierclub.com\/ca\/#organization","name":"Pier Club","url":"https:\/\/pierclub.com\/ca\/","logo":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/pierclub.com\/ca\/#\/schema\/logo\/image\/","url":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/06\/Recurso-1.svg","contentUrl":"https:\/\/pierclub.com\/wp-content\/uploads\/2025\/06\/Recurso-1.svg","width":917,"height":216,"caption":"Pier Club"},"image":{"@id":"https:\/\/pierclub.com\/ca\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/pierclub.com\/ca\/#\/schema\/person\/1dd4e2aa6d1d789ede61873fc1bc475b","name":"Joan Muntada","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/secure.gravatar.com\/avatar\/113b77d5b69ce6428f4423ec8284a9839f7f6462db2e498adad5ab803676c96c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/113b77d5b69ce6428f4423ec8284a9839f7f6462db2e498adad5ab803676c96c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/113b77d5b69ce6428f4423ec8284a9839f7f6462db2e498adad5ab803676c96c?s=96&d=mm&r=g","caption":"Joan Muntada"},"url":"https:\/\/pierclub.com\/ca\/author\/joan\/"},{"@type":"Question","@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#faq-question-1758710499220","position":1,"url":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#faq-question-1758710499220","name":"Puc diversificar 10.000 \u20ac en diversos projectes de Pier Club?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"S\u00ed. En ser tiquets des de 1.000 \u20ac, podeu repartir capital per terminis o projectes. ","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#faq-question-1758710507483","position":2,"url":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#faq-question-1758710507483","name":"Qu\u00e8 passa si necessito els diners abans?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"El pr\u00e9stec t\u00e9 termini tancat. Si prioritzeu liquiditat, valoreu deixar una part en productes l\u00edquids. ","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#faq-question-1758710521419","position":3,"url":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#faq-question-1758710521419","name":"Quines garanties hi ha?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Cada operaci\u00f3 es recolza en un <strong>actiu immobiliari<\/strong>. A m\u00e9s, Pier Club <strong>coinverteix<\/strong> per alinear interessos. ","inLanguage":"ca"},"inLanguage":"ca"},{"@type":"Question","@id":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#faq-question-1758710535530","position":4,"url":"https:\/\/pierclub.com\/ca\/on-invertir-10-000e-el-2025-opcions-amb-rendibilitat-definida\/#faq-question-1758710535530","name":"Com tributen els interessos?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Com <strong>rendiments del capital mobiliari<\/strong> en IRPF. En el moment del pagament es pot aplicar retenci\u00f3. Consulteu el vostre assessor.  ","inLanguage":"ca"},"inLanguage":"ca"}]}},"_links":{"self":[{"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/posts\/1352","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/comments?post=1352"}],"version-history":[{"count":2,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/posts\/1352\/revisions"}],"predecessor-version":[{"id":1355,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/posts\/1352\/revisions\/1355"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/media\/1353"}],"wp:attachment":[{"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/media?parent=1352"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/categories?post=1352"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pierclub.com\/ca\/wp-json\/wp\/v2\/tags?post=1352"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}