{"id":60802,"date":"2024-11-21T11:53:36","date_gmt":"2024-11-21T10:53:36","guid":{"rendered":"https:\/\/www.fondapi.it\/liquidation-times\/"},"modified":"2025-11-11T08:59:40","modified_gmt":"2025-11-11T07:59:40","slug":"liquidation-times","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/en\/how-it-works\/employee-enrollment\/pension-fund-redemption\/liquidation-times\/","title":{"rendered":"Liquidation Times"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"60802\" class=\"elementor elementor-60802 elementor-59791\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-915486a e-flex e-con-boxed e-con e-parent\" data-id=\"915486a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64153a10 e-flex e-con-boxed e-con e-parent\" data-id=\"64153a10\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6e7cc04b e-flex e-con-boxed e-con e-child\" data-id=\"6e7cc04b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-433e85cb elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"433e85cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.fondapi.it\/en\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Home\">Home<\/a><\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-286f390d elementor-widget elementor-widget-html\" data-id=\"286f390d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>document.addEventListener(\"DOMContentLoaded\", function() {\n  var observer = new MutationObserver(function(mutations) {\n    mutations.forEach(function(mutation) {\n      var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n      if (link) {\n        link.addEventListener(\"click\", function(event) {\n          event.preventDefault();\n        });\n      }\n    });\n  });\n\n  observer.observe(document.body, { childList: true, subtree: true });\n\n  var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n  if (link) {\n    link.addEventListener(\"click\", function(event) {\n      event.preventDefault();\n    });\n  }\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66d4240b e-flex e-con-boxed e-con e-child\" data-id=\"66d4240b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42596142 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"42596142\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">pension fund redemption<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-79dbbe50 e-flex e-con-boxed e-con e-parent\" data-id=\"79dbbe50\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5e947145 e-con-full e-flex e-con e-child\" data-id=\"5e947145\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e791589 elementor-widget elementor-widget-heading\" data-id=\"6e791589\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">The Fund's rules on liquidation request times: let's\nclarify<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3504f9c2 elementor-widget elementor-widget-text-editor\" data-id=\"3504f9c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fondapi members have the right to request advances, redemptions, and liquidations for retirement when events legitimizing the request occur.<\/p><p>In this regard, over time, we have noticed some confusion among members, not only due to legal limits for submitting requests (for example, a minimum of 8 years of membership to request an &#8220;unmotivated&#8221; advance) but also regarding liquidation times, i.e., the time Fondapi takes to disburse the requested amount.<\/p><p>It is important to clarify and make appropriate comparisons. Let&#8217;s start with ADVANCE requests. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f412e60 e-con-full e-flex e-con e-child\" data-id=\"4f412e60\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5aeed1de elementor-widget elementor-widget-image\" data-id=\"5aeed1de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1500\" height=\"1001\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-bassi.webp\" class=\"attachment-full size-full wp-image-60803\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-bassi.webp 1500w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-bassi-300x200.webp 300w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-bassi-1024x683.webp 1024w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-bassi-768x513.webp 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36a59505 e-flex e-con-boxed e-con e-parent\" data-id=\"36a59505\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5d55626a e-con-full e-flex e-con e-child\" data-id=\"5d55626a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e16cbc1 elementor-widget elementor-widget-heading\" data-id=\"4e16cbc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Requests for <br><font color=\"#3997b9\">advances<\/font><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70e0f0b elementor-widget elementor-widget-text-editor\" data-id=\"70e0f0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you leave your severance pay with the company, you can request a maximum of 70% only once.<\/p><p>With the pension fund, you can request <b>up to 75%<\/b> of the accrued amount for healthcare expenses, purchase and renovation of your first home &#8211; including for your children &#8211; with the possibility of submitting the request again. <\/p><p>Additionally, you can request <strong>up to 30%<\/strong> for needs that do not require justification.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77b39cdb elementor-widget elementor-widget-text-editor\" data-id=\"77b39cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>you can request an <b>advance for medical expenses<\/b> that are very serious and extraordinary <b>immediately.<br><\/b>If you leave your severance pay with the company, you must still have 8 years of service;<br><br><\/li><li>after 8 years of membership, you can request an advance for purchasing or renovating the first home of the member worker but also for their children.<br>If you leave your severance pay with the company, you must wait 8 years of service, and the law does not expressly provide for advances for renovations;<br><br><\/li><li>after 8 years of membership, you can request advances without justification, while with the company you don&#8217;t have this option;<br><br><\/li><li>the applied taxation is generally more advantageous for advances paid by Fondapi;<br><br><\/li><li>it&#8217;s not guaranteed that the company will be able to grant you the requested advance: the <b>employer can annually grant advances to a maximum of 10% of employees who request them<\/b>, a number that must not exceed 4% of total employees.<br>If you choose Fondapi, you absolutely don&#8217;t have this constraint.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e50bb4c e-flex e-con-boxed e-con e-parent\" data-id=\"5e50bb4c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7499ac84 e-con-full e-flex e-con e-child\" data-id=\"7499ac84\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-178769ca elementor-widget elementor-widget-heading\" data-id=\"178769ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The <span style=\"color: #3997B9\">timeframes<\/span> for liquidation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60ff777f elementor-widget elementor-widget-text-editor\" data-id=\"60ff777f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Despite the more advantageous regime for advances enjoyed by Fondapi members, it&#8217;s necessary to consider that the <b>purpose of Fondapi<\/b> is to ensure that the amounts you have accrued are converted into <b>future support<\/b> that you can rely on when you can no longer count on your paycheck but only on your pension check!<\/p><p><b>This is why the pension fund is not an ATM<\/b> from which you can withdraw money at will! This is precisely why it&#8217;s necessary to clarify the reasons why liquidations do not occur with the typical banking times of withdrawals (instant) or bank transfers (3-4 working days). <\/p><p>Every liquidation requested from Fondapi consists of several steps that are the result of the guarantee and solidity of the &#8220;individual capitalization system&#8221; typical of pension funds: the liquidation is carried out with your money, not with money &#8220;lent&#8221; to you by other members. Therefore, after you have requested any benefit from Fondapi, these amounts must be disinvested. For this operation, we wait for the unit value corresponding to the month in which your complete request was submitted (it&#8217;s like closing a balance sheet for the month), the amounts leave your pension account, and finally, they are liquidated.   <\/p><p>The whole process takes <b>on average 70-80 days<\/b>, due to tax obligations, preparation of the liquidation statement and the C.U., and the fact that the Fund manages thousands of benefits together, not just yours. In any case, it&#8217;s a <b>time<\/b> significantly shorter than the <b>legal requirement of 6 months<\/b> for liquidating redemptions. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dbf7f6b e-con-full e-flex e-con e-child\" data-id=\"dbf7f6b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f77e17 elementor-widget elementor-widget-text-editor\" data-id=\"4f77e17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>N.B.<\/b> to be certain that the benefit (redemption\/advance\/retirement) will be disinvested with the unit value of the month in which the request was completed, it is necessary for it to be received at least 7 working days before the end of the month; otherwise, due to the timelines related to the procedure, the practice might take the unit value of the following month.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70dd643d e-con-full e-flex e-con e-child\" data-id=\"70dd643d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-52d11213 e-con-full e-flex e-con e-child\" data-id=\"52d11213\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-6c71e1bf e-flex e-con-boxed e-con e-child\" data-id=\"6c71e1bf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a02390b elementor-widget elementor-widget-heading\" data-id=\"1a02390b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Fondapi is not an ATM<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4aba99f3 elementor-widget elementor-widget-text-editor\" data-id=\"4aba99f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The purpose of Fondapi is to provide you with future support.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5dba9b51 e-con-full e-flex e-con e-child\" data-id=\"5dba9b51\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-283cd5ad e-flex e-con-boxed e-con e-child\" data-id=\"283cd5ad\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b649af elementor-widget elementor-widget-heading\" data-id=\"b649af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">individual capitalization system<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63eefdcb elementor-widget elementor-widget-text-editor\" data-id=\"63eefdcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The money with which we pay the requested benefit is actually yours and is not &#8220;lent&#8221; to you by other members.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45e91736 elementor-button-info elementor-widget elementor-widget-button\" data-id=\"45e91736\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fondapi.it\/fondapi\/sicurezza\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Discover the guarantees of this system<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4462d061 e-con-full e-flex e-con e-child\" data-id=\"4462d061\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-3773ebd5 e-flex e-con-boxed e-con e-child\" data-id=\"3773ebd5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-227727e7 elementor-widget elementor-widget-heading\" data-id=\"227727e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">70-80 days<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ff9c430 elementor-widget elementor-widget-text-editor\" data-id=\"4ff9c430\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The average time Fondapi takes to disburse the benefits requested by members (starting from the date of receipt of the request complete with all necessary information).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52e59e8b e-flex e-con-boxed e-con e-parent\" data-id=\"52e59e8b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5fa8c69c e-con-full e-flex e-con e-child\" data-id=\"5fa8c69c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-204785f4 elementor-widget elementor-widget-heading\" data-id=\"204785f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comparison with company liquidation times<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76538d90 elementor-widget elementor-widget-text-editor\" data-id=\"76538d90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>But when talking about times, it&#8217;s necessary to make appropriate comparisons with your usual situation.<\/p><p>If you leave your severance pay with the company, the company will have to pay you the &#8220;liquidation&#8221; in your last paycheck, so about a month later.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50a4b54b e-con-full e-flex e-con e-child\" data-id=\"50a4b54b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-2f982aa6 e-con-full e-flex e-con e-child\" data-id=\"2f982aa6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-503a476c e-flex e-con-boxed e-con e-child\" data-id=\"503a476c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76d8eb21 elementor-widget elementor-widget-heading\" data-id=\"76d8eb21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pension fund<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e473680 elementor-widget elementor-widget-text-editor\" data-id=\"2e473680\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>70-80 days;<\/li><li><b>Advantageous<\/b> taxation of:<ul><li>23% for redemptions before retirement and advances for first home or unjustified needs;<\/li><li>15% &#8211; 9% for retirement liquidation and advances for healthcare expenses;<\/li><\/ul><\/li><li>higher returns than the simple revaluation of severance pay left with the company;<\/li><li>Throughout the contribution phase, you have benefited from:<ul><li><b>additional contribution<\/b> from the company;<\/li><li><b>tax deductibility<\/b> of payments to the pension fund;<\/li><\/ul><\/li><li><b>Certainty<\/b> of liquidation times.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-486be6b elementor-button-info elementor-widget elementor-widget-button\" data-id=\"486be6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fondapi.it\/come-funziona\/adesione-lavoratori\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Explore the advantages of joining Fondapi<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10cdc170 e-con-full e-flex e-con e-child\" data-id=\"10cdc170\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-20d687ea e-flex e-con-boxed e-con e-child\" data-id=\"20d687ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54d5ce3d elementor-widget elementor-widget-heading\" data-id=\"54d5ce3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">company<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-581c1129 elementor-widget elementor-widget-text-editor\" data-id=\"581c1129\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>30-40 days;<\/li><li><b>Ordinary<\/b> taxation with marginal IRPEF rate:<ul><li>higher than 23%;<\/li><\/ul><\/li><li> Average severance pay revaluation lower than pension fund returns;<\/li><li><strong>Absence<\/strong> of additional company contribution;<\/li><li>Liquidation times depending on company availability.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f36fb41 e-flex e-con-boxed e-con e-parent\" data-id=\"f36fb41\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8109644 elementor-widget elementor-widget-text-editor\" data-id=\"8109644\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>And finally, one last consideration:<\/b> let&#8217;s keep in mind the concept of &#8220;necessity&#8221;. <\/p><p>If you don&#8217;t have a real need for money, it&#8217;s not advisable to request a benefit from Fondapi because, although all disbursements other than retirement are treated with a more advantageous tax regime compared to the same amounts requested from the company, <b>it is only after retirement that the most economically advantageous results are achieved.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35852f48 e-flex e-con-boxed e-con e-parent\" data-id=\"35852f48\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73b67d3e elementor-widget elementor-widget-html\" data-id=\"73b67d3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async=\"\"><\/script>\n<div class=\"trustpilot-widget\" data-locale=\"it-IT\" data-template-id=\"54ad5defc6454f065c28af8b\" data-businessunit-id=\"636d0a1b79e3f339e1d60a3b\" data-style-height=\"240px\" data-style-width=\"100%\" data-theme=\"light\" data-stars=\"1,2,3,4,5\" data-review-languages=\"it\" data-font-family=\"Lato\" data-text-color=\"#000000\">\n  <a href=\"https:\/\/it.trustpilot.com\/review\/fondapi.it\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home pension fund redemption The Fund&#8217;s rules on liquidation request times: let&#8217;s clarify Fondapi members have the right to request advances, redemptions, and liquidations for retirement when events legitimizing the request occur. In this regard, over time, we have noticed some confusion among members, not only due to legal limits for submitting requests (for example, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":60878,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-60802","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Liquidation Times - Fondapi<\/title>\n<meta name=\"description\" content=\"Liquidation times. 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