How it works
Enrollment of Dependent Family Members
A small step today,
a great treasure tomorrow.
Open a pension fund for your dependent family members and plant the seed for a prosperous future.
IMPORTANT:
the form with the original signature must be sent by registered mail (NO PEC, NO FAX, NO ONLINE REGISTERED MAIL)
Do you already have another pension fund for a dependent family member?
Search and download the COST SHEET here to attach to the enrollment form.
Who qualifies as "tax dependent"?
All family members with a total annual gross income below €2,840.51.
For sons or daughters under 24 years old, the threshold is increased to €4,000!
Tax Deductibility of Contributions
You can deduct the contributions you make for the enrolled family member.
Please note! The annual deductibility threshold remains the same, always €5,164
Why is opening a pension fund for a dependent family member an opportunity?
You will actively contribute to building your loved one’s financial future.
They will immediately start accruing membership seniority useful for advance requests.
Take advantage of
very low costs!
The cost applied to tax-dependent family members is identical to that applied to other members.
Top Returns!
To evaluate pension fund returns, a time frame of at least 10 years is used. Fondapi offers three investment lines: Growth, Prudent, and Guaranteed. These three lines are created and managed with members and their needs in mind.
Let us introduce Luca!
Luca was born in 2020 and his parents, by enrolling him in Fondapi, opened a pension fund for him. Every month they contribute part of what they manage to save to his position.
Years pass and Luca grows up
It’s 2038. Luca has just turned 18 and decides to request a
The first employment contract!
Now twenty-five, Luca has recently finished university and after several internships has been hired by a company. Before celebrating, however, he immediately enrolls in his company’s category pension fund. Which isn’t Fondapi, unfortunately! So, after a few days, he
Luca is now a full-fledged adult
He recently moved in with his partner and has even bought his first home. Once again, he used his pension fund to do so. Given the documentation sent to the Fund, within a few weeks, they disbursed an amount equal to 75% of his position for the purchase of his first home.
FAQ
6 questions,
6 answers
about pension funds for dependent family members
Except for the first one, contributions are flexible. Both in amount and frequency. In short, you can contribute as much as you want and when you want
The first contribution must be €200. We need this to activate your position. Subsequent contributions, as mentioned, will be flexible both in amount and frequency.
To make contributions, you need to complete the one-time contribution form for tax dependents. The form includes the details and instructions for sending the bank transfer.
To download the form, click here!
You can maintain the tax dependent’s position with Fondapi and continue contributions here. Or you can transfer their position to the other fund as well.
Yes, like other members, tax dependents can also request to change their investment line. The cost, starting from the second change, is €10 each.
The tax-dependent member enrolled in the pension fund can exercise all the prerogatives connected to membership recognized by current regulations. In the case of a minor tax dependent or someone under guardianship, all liquidation requests (advances, redemptions, and benefits), since they involve capital mobilization, must be submitted on their behalf by the person exercising parental authority or, if applicable, by the guardian, with prior authorization from the guardianship judge.
When you request liquidation for retirement, you can choose to receive everything as a lump sum or convert all or part of the capital into installments. To learn more: All about redemptions and advances!
Promotional message regarding supplementary pension forms – before joining, please read Part I ‘Key Information for Members’ and the Appendix ‘Sustainability Information’ of the Information Note.
Still Have Questions?
Book a completely free telephone consultation with no obligation or send an email to clarify any doubts
