How it works
Employee Enrollment
A peaceful tomorrow is built today!
So you don’t find yourself thinking “if only I had done it sooner…”
IMPORTANT:
the form with the original signature must be sent by registered mail (NO CERTIFIED EMAIL, NO FAX, NO ONLINE REGISTERED MAIL)
Do you already have another fund?
Search and download the COST SHEET here to attach to the enrollment form.
How does it work?
You can join by contributing only the TFR or you can decide to add a voluntary contribution through which you will receive the company contribution.
The company contribution!
It’s your legal right if you decide to pay your voluntary contribution and it’s automatic. It’s included in your CCNL and doesn’t “fall from the sky”: it’s the result of an agreement between unions and entrepreneurs.
Don’t give it up
Save on taxes
every year!
With your tax return, you can automatically deduct Fondapi contributions. The contributions are declared by your company in the CU issued around March each year.
Take advantage of
very low costs!
Not all funds are the same. Those linked to the CCNL, like Fondapi, cost much less than others. Having an expensive pension fund is like putting money in a leaky piggy bank.
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.
How binding is the pension fund?
Less than you might think. Besides retirement, you can request the accumulated amounts in case of dismissal, resignation, or other specific reasons. As with company TFR, you can also request advances.
Enrolling a tax-dependent family member
If you wish, you can enroll your son, daughter, or non-working spouse in Fondapi.
Creating privileged savings for your loved one has never been easier!
Less taxes!
Retirement settlement taxed between 9% and 15%
Unsatisfied?
If you’re not satisfied after two years, you can change
Changing companies?
If your new company doesn’t have Fondapi, you can request a transfer
FAQ
7 questions,
7 answers
No, you can request redemption when your employment relationship with the company ends. Just like what happens with TFR if you leave it with the company!
No, Fondapi cannot fail! The legislative decree on supplementary pensions requires Funds to deposit members’ contributions and TFR portions with a depositary bank, which will then be invested by financial managers, entities external to the depositary bank that physically holds the resources. The separation between who collects the money and who invests it ensures maximum protection.
To learn more click here!
After enrollment, Fondapi will activate your Reserved Area. A kind of home banking where you can check payment regularity, fund performance, and many other things
No. Supplementary pension funds, like Fondapi, are not considered for ISEE calculation and therefore should not be indicated in the DSU.
Companies calculate and withhold from the paycheck the amounts that the member chooses to contribute monthly. Finally,
In case of death, legal heirs or designated beneficiaries are the only subjects authorized to request redemption. The capital disbursement will be exempt from inheritance tax and will be subject to reduced IRPEF taxation (between 15% and 9%)
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.
