{"id":122833,"date":"2025-08-14T15:03:18","date_gmt":"2025-08-14T13:03:18","guid":{"rendered":"https:\/\/youthappsuedtirol.com\/?p=122833"},"modified":"2025-08-14T15:03:22","modified_gmt":"2025-08-14T13:03:22","slug":"previdenza-complementare-4","status":"publish","type":"post","link":"https:\/\/youthappsuedtirol.com\/it\/2025\/08\/14\/previdenza-complementare-4\/","title":{"rendered":"Previdenza complementare"},"content":{"rendered":"\n<p><strong>Molti, e forse anche tu, si chiedono: che cos&#8217;\u00e8 un fondo pensione complementare \u2013 e mi serve davvero?<\/strong><\/p>\n\n\n\n<p>Forse sembra una cosa per persone anziane, ma in realt\u00e0 un fondo pensione pu\u00f2 essere utile anche per te, gi\u00e0 da ora!<br>Perch\u00e9 inizi fin da subito a risparmiare volontariamente dei soldi per il futuro!<\/p>\n\n\n\n<p>Che cos\u2019\u00e8 un fondo pensione complementare, quali vantaggi e svantaggi ha e come iscriversi, te lo spiega in questo video Ivan Munerati di <strong><a href=\"https:\/\/www.sgbcisl.it\/de\/young\">Young SGBCISL<\/a>.<\/strong><\/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=\"750\" height=\"422\" src=\"https:\/\/www.youtube.com\/embed\/RwIoGxd_5-o?version=3&#038;rel=1&#038;showsearch=0&#038;showinfo=1&#038;iv_load_policy=1&#038;fs=1&#038;hl=it-IT&#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<h2 class=\"wp-block-heading\"><strong><strong>Le info pi\u00f9 importanti, riassunte:<\/strong><\/strong><\/h2>\n\n\n\n<p>La pensione pubblica in futuro non sar\u00e0 sufficiente \u2013 soprattutto se farai periodi di lavoro part-time o pause lavorative. In Italia, quando andrai in pensione riceverai solo circa il 60% dell\u2019ultimo stipendio.<\/p>\n\n\n\n<p>Con un fondo pensione complementare puoi iniziare presto a mettere da parte dei soldi per la vecchiaia.<br>Prima inizi a versare, pi\u00f9 soldi avrai a disposizione in futuro. Cos\u00ec potrai vivere la tua pensione con pi\u00f9 serenit\u00e0.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>CHE COS\u2019\u00c8 UN FONDO PENSIONE COMPLEMENTARE?<\/strong><\/strong><\/h2>\n\n\n\n<p>\u00c8 come un piano di risparmio per il futuro: versi soldi in modo volontario e, una volta in pensione, riceverai \u2013 oltre alla pensione statale \u2013 una seconda pensione.<\/p>\n\n\n\n<p>I pagamenti avvengono mensilmente o trimestralmente e si compongono dalla parte di indennit\u00e0 di licenziamento, la parte del datore di lavoro e la parte del dipendente. L&#8217;ammontare dei contributi dipende dal contratto collettivo. Inoltre, puoi decidere di versare i tuoi contributi in qualsiasi momento e li potrai successivamente detrarre nella dichiarazione dei redditi.<\/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=\"750\" height=\"422\" src=\"https:\/\/www.youtube.com\/embed\/MzJ9KhhL09s?version=3&#038;rel=1&#038;showsearch=0&#038;showinfo=1&#038;iv_load_policy=1&#038;fs=1&#038;hl=it-IT&#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<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Cos&#8217;\u00e9 il trattamento di fine rapporto (TFR)?<\/summary>\n<p>Non appena firmi un contratto di lavoro, puoi decidere cosa fare con il tuo trattamento di fine rapporto (TFR). Il TFR \u00e8 una piccola percentuale del tuo stipendio che non ti viene pagata immediatamente. Questo contributo pu\u00f2 rimanere nell&#8217;azienda e riceverai il denaro accumulato alla fine del contratto di lavoro\u00a0 &#8211; oppure puoi far versare automaticamente il contributo in un fondo pensione complementare. La seconda opzione ha molti vantaggi.<\/p>\n<\/details>\n\n\n\n<p>Laborfonds, per esempio, \u00e8 uno di questi fondi pensione. In Alto Adige \u00e8 il pi\u00f9 grande ed \u00e8 pensato per chi lavora in Alto Adige o in Trentino.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>QUALI SONO I VANTAGGI?<\/strong><\/h2>\n\n\n\n<p>Oltre a migliorare la tua pensione futura, il pi\u00f9 grande vantaggio \u00e8 il risparmio fiscale:<br>le somme versate ogni anno si possono detrarre dalle tasse \u2013 fino a 5.165 \u20ac all\u2019anno.<\/p>\n\n\n\n<p>E anche quando riceverai la pensione complementare, pagherai meno tasse: tra il 9 e il 15%.<br>Se invece lasci il TFR in azienda, la tassazione sar\u00e0 almeno del 23%.<\/p>\n\n\n\n<p>Con un fondo come Laborfonds hai anche costi molto bassi \u2013 pi\u00f9 convenienti rispetto a molte assicurazioni o prodotti bancari.<\/p>\n\n\n\n<p>Un altro vantaggio: spesso anche il datore di lavoro versa una parte. E se il fondo \u00e8 ben gestito, potresti ottenere anche un rendimento positivo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>CI SONO ANCHE SVANTAGGI?<\/strong><\/strong><\/h2>\n\n\n\n<p>Beh, i soldi sono davvero pensati per la pensione.<br>Questo significa che non puoi prelevarli liberamente in qualsiasi momento, ci sono regole precise \u2013 ma d\u2019altronde \u00e8 proprio per quello che esiste.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"500\" data-attachment-id=\"112898\" data-permalink=\"https:\/\/youthappsuedtirol.com\/it\/2025\/05\/07\/previdenza-complementare-2\/freizeit-beitragsbilder-julia-1-5\/\" data-orig-file=\"https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-1-2.png?fit=1920%2C1280&amp;ssl=1\" data-orig-size=\"1920,1280\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Freizeit Beitragsbilder Julia (1)\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-1-2.png?fit=750%2C500&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-1-2.png?resize=750%2C500&#038;ssl=1\" alt=\"\" class=\"wp-image-112898\" srcset=\"https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-1-2.png?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-1-2.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-1-2.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-1-2.png?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-1-2.png?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-1-2.png?resize=1568%2C1045&amp;ssl=1 1568w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-1-2.png?resize=512%2C341&amp;ssl=1 512w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-1-2.png?w=1920&amp;ssl=1 1920w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>E SE HO BISOGNO DEI SOLDI PRIMA DELLA PENSIONE?<\/strong><\/strong><\/h2>\n\n\n\n<p>I soldi non sono completamente bloccati fino alla pensione, ma servono motivi precisi:<\/p>\n\n\n\n<p>Per spese sanitarie puoi prelevare fino al 75% in qualsiasi momento.<\/p>\n\n\n\n<p>Dopo 8 anni di adesione puoi prelevare fino al 75% per acquistare o costruire la prima casa (anche dei figli).<\/p>\n\n\n\n<p>Per altre esigenze puoi prelevare fino al 30%.<\/p>\n\n\n\n<p>Chi lavora nel pubblico ha condizioni ancora migliori: dopo 8 anni si pu\u00f2 prelevare fino al 100% per spese sanitarie, acquisto\/costruzione\/ristrutturazione della prima casa (anche dei figli) e \u2013 se previsto dal fondo \u2013 per formazione o periodi di congedo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>COME RICEVO I SOLDI UNA VOLTA IN PENSIONE?<\/strong><\/strong><\/h2>\n\n\n\n<p>Una volta in pensione, ricevi la rendita mensilmente.<br>Puoi anche chiedere fino alla met\u00e0 in un\u2019unica soluzione.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"500\" data-attachment-id=\"112901\" data-permalink=\"https:\/\/youthappsuedtirol.com\/it\/2025\/05\/07\/previdenza-complementare-2\/freizeit-beitragsbilder-julia-4\/\" data-orig-file=\"https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-3.png?fit=1920%2C1280&amp;ssl=1\" data-orig-size=\"1920,1280\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Freizeit Beitragsbilder Julia\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-3.png?fit=750%2C500&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-3.png?resize=750%2C500&#038;ssl=1\" alt=\"\" class=\"wp-image-112901\" srcset=\"https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-3.png?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-3.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-3.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-3.png?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-3.png?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-3.png?resize=1568%2C1045&amp;ssl=1 1568w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-3.png?resize=512%2C341&amp;ssl=1 512w, https:\/\/i0.wp.com\/youthappsuedtirol.com\/wp-content\/uploads\/2025\/05\/Freizeit-Beitragsbilder-Julia-3.png?w=1920&amp;ssl=1 1920w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>COME POSSO ADERIRE E DOVE TROVO ALTRE INFORMAZIONI?<\/strong><\/strong><\/h2>\n\n\n\n<p>Puoi chiedere all\u2019ufficio del personale della tua azienda, oppure rivolgerti a un sindacato, patronato o centro fiscale (CAF) \u2013 ti aiutano loro.<br>Se hai ancora domande, puoi anche andare a un Infopoint Pensplan.<\/p>\n\n\n\n<p>Pensplan<br>Dove: <strong><a href=\"https:\/\/goo.gl\/maps\/ZqkrpoAqdFP2xL1v9\">Via della Mostra 11, Bolzano<\/a><\/strong><br>Tel.: <strong><a href=\"tel: 0471 317600\">0471 317600<\/a><\/strong><\/p>\n\n\n\n<p><\/p>\n\n    <div class=\"my-social-footer\">\n      <p class=\"social-footer-title\">Contact us<\/p>\n      <div class=\"social-icons-row\">\n        <a href=\"https:\/\/wa.me\/393428628163\" 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Forse sembra una cosa per persone anziane, ma in realt\u00e0 un fondo pensione pu\u00f2 essere utile anche per te, gi\u00e0 da ora!Perch\u00e9 inizi fin da subito a risparmiare volontariamente dei soldi per il futuro! Che cos\u2019\u00e8 un<a class=\"more-link\" href=\"https:\/\/youthappsuedtirol.com\/it\/2025\/08\/14\/previdenza-complementare-4\/\">Continua a leggere <span class=\"screen-reader-text\">&#8220;Previdenza complementare&#8221;<\/span><\/a><\/p>\n","protected":false},"author":209540933,"featured_media":122834,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false},"categories":[2894,2891],"tags":[],"appful":[],"class_list":["post-122833","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-t4","category-servizi-di-consulenza","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Previdenza complementare - youth-info.it<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youthappsuedtirol.com\/it\/2025\/08\/14\/previdenza-complementare-4\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Previdenza complementare - youth-info.it\" \/>\n<meta property=\"og:description\" content=\"Molti, e forse anche tu, si chiedono: che cos&#8217;\u00e8 un fondo pensione complementare \u2013 e mi serve davvero? 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