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Over last years the
Italian economic policy, and more in general those of the member states
of the European Union, dealt with the “pensions dilemma”, that is the
need to cut the public expenditure and so also the one related to the
welfare system, without damaging workers of the current and next generations.
On consequence it was proved useful applying for the supplementary benefits,
on the other side already spread and successful in many European countries,
even in the United States. It looked harder the way of this kind of
investments in our country, where employees link almost naturally the
concept of pension with institutions as the INPS, of public character.
With the passage of time and thanks to greater available information,
those that once were choices that fit few, it’s just the case to call
them, “provident”, are becoming options, ever more present in the family
balances. We’re talking about the PENSION FUNDS, a saving supplementary
integration instrument by the means of which workers can supplement
their own basic retirement fund. Insurance companies authorized to manage
directly or indirectly, by the means of controlled companies, the assets,
issue, among others, the pension funds. Even within this ambit SAI is
in the front line, thanks to its Open Pension Fund.
How do the open pension
funds run? Talking about pension funds a foreword is basic: they
can adhere to it employees (both private and public) for which it does
not stand or does not work any institution source of enterprise or professions,
sectors, groups pension funds, that is the so-called “defined contractual
funds” or featured by a “defined contractual range”; the self-employees;
professionals; worker-partners in cooperatives. Concurrence to the open
pension funds may be foreseen even on a collective bargaining base.
The enrolled, practically, pay, by a frequency and an amount on one’s
own accord, contributions that monthly are turned into representative
quotas of the funds’ asset. At the assignment of considerations, the
equivalent value of the owned quotas is paid as an income. The fund
foresees the follow performances: - Supplementary old-age pension, at
the end of the retirement age, foreseen by the compulsory regime the
subject belongs to, with five years at least of participation to the
fund; - Supplementary seniority pension, at the expire of the work activity
with at least fifteen years of registration at the fund and an age no
higher than ten years less the age foreseen in one’s own old age pension
compulsory regime. The enrolled may possibly require the liquidation
of considerations as a capital, according to the capitalized value,
for an amount no higher than 50% the individual position.
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