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The Fondo Pensione Aperto
Sai works in defined contribution regime, that is the pension consideration
amounts are determined according to correspondence criteria and to the
capitalization principle.
Once achieved the right
to the pension, individual position of enrolled person - net the part
distributed as a capital - is employed as a sole premium for the allocation
of an immediate income, according to three ways:
1) a life annuity;
2) a reversionary life
annuity, given to the enrolled till he is alive and then to a person
he points out among those foreseen by the compulsory welfare system;
3) a sure annuity for
5 or 10 years and later a life annuity that for the chosen period is
given to the enrolled (or in case of death to the person he designed)
and later, to the same enrolled till he’s alive.
Contributions paid
by the self-employees, professionals and partners of cooperatives are
deductible within the limit of 6% income with a 5 million ceiling; for
employees that, as said, can adhere only on a collective base, the personal
limit is equal to 2% income with a 2,5 million ceiling, provided that
a portion of the severance pay of equal amount is destined to the fund.
Previ-BOND, Previ-GEST
and Previ-MIX: three different ways to save
As any other financial
investment also for the pension funds savers are in front of some alternatives,
to value - in details with SAI’s experts- on the base of one’s own economic
income balance or the propensity to risk, at any extent limited when
pension funds are at matter. The Fondo Pensione Aperto Sai foresees
three different ways to invest the contributions paid by workers and
make them...yield.
Previ-BOND line: a bond
kind investment, with result warranty, whose target is the pure profitability
of investments in medium-long term prospects. Contributions are destined
to purchase state national and international organisms bonds and it
is expressed in lire and euros. In average the financial duration of
the bonds is from two to five years. It concerns a conservative choice,
substantially without risks, that ensures the contribution of a less
amount, equal to the sum of the net payments, each of them capitalized
by the 2,5% yearly interest compound rate.
Previ-GEST line: a bond
kind investment, with result warranty whose target is a time investment,
medium-long term. Contributions are directed mainly to the national
public securities, expressed in lire or euros and, for a 20%, ceiling
to equity stocks. Marginally the investment must concern debentures
issued in the countries of the European Union and in the industrialized
countries. The average financial duration is from two to five years.
Even this case it concerns a conservative choice that ensures the contribution
of a minimum amount, equal to the sum of the net payments, each of them
capitalized at the 2% year compound interest rate.
Previ-MIX line: balanced
investment whose target is the profitability of the assets in the medium-long
term. Contributions are employed to constitute a security and stock
balanced portfolio issued by the countries of the European Union and
the residual by the main industrialized countries. Public bodies issue
the securities, while stocks are issued by European countries and are
featured by a medium-high capitalization. The average financial duration
is from five to seven years. Previ-MIX fits especially the worker still
far from the retirement age. It must be reminded that all investment
lines just illustrated foreseen the possibility of conversion, transfer
and redemption. What else? Entrust the experience of a financial-insurance
group of proved faith that is someone you known you can rely on.
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