{"id":61113,"date":"2024-06-19T12:57:47","date_gmt":"2024-06-19T10:57:47","guid":{"rendered":"https:\/\/www.fondapi.it\/comparison-with-other-investments\/"},"modified":"2025-11-28T11:12:58","modified_gmt":"2025-11-28T10:12:58","slug":"comparison-with-other-investments","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/en\/fondapi\/comparison-with-other-investments\/","title":{"rendered":"Comparison with other Investments"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"61113\" class=\"elementor elementor-61113 elementor-55845\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20b4162c e-flex e-con-boxed e-con e-parent\" data-id=\"20b4162c\" 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-45a9db54 e-flex e-con-boxed e-con e-child\" data-id=\"45a9db54\" 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-7f94b597 elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"7f94b597\" 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-558c7490 elementor-widget elementor-widget-html\" data-id=\"558c7490\" 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-20bf6ee0 e-flex e-con-boxed e-con e-child\" data-id=\"20bf6ee0\" 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-4026c667 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"4026c667\" 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\">Fondapi<\/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-1c545dba e-flex e-con-boxed e-con e-parent\" data-id=\"1c545dba\" 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-7b0b8f11 e-con-full e-flex e-con e-child\" data-id=\"7b0b8f11\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_offset&quot;:140,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39fa4cff elementor-widget elementor-widget-text-editor\" data-id=\"39fa4cff\" 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>Being able to save for the future is essential, and doing so by contributing to a negotiated pension fund (linked to your employment contract) is an excellent way, as it can <b>perfectly integrate with other forms of investment already used<\/b>; let&#8217;s look at the <b>peculiarities of the pension fund compared to other investments<\/b>.<\/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-24dbbd9b e-con-full e-flex e-con e-child\" data-id=\"24dbbd9b\" 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-8b0631a elementor-widget elementor-widget-image\" data-id=\"8b0631a\" 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=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/altri-investimenti.webp\" class=\"attachment-full size-full wp-image-61114\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/altri-investimenti.webp 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/altri-investimenti-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/altri-investimenti-682x1024.webp 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/altri-investimenti-768x1152.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/altri-investimenti-1024x1536.webp 1024w\" sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\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-6ab8e3b3 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"6ab8e3b3\" 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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77388b4 e-flex e-con-boxed e-con e-parent\" data-id=\"77388b4\" 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-6127b2cb e-con-full e-flex e-con e-child\" data-id=\"6127b2cb\" 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-41a55c01 elementor-widget elementor-widget-image\" data-id=\"41a55c01\" 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 decoding=\"async\" width=\"1121\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/equilibrio-giusto.webp\" class=\"attachment-full size-full wp-image-61031\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/equilibrio-giusto.webp 1121w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/equilibrio-giusto-168x300.webp 168w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/equilibrio-giusto-574x1024.webp 574w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/equilibrio-giusto-768x1370.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/equilibrio-giusto-861x1536.webp 861w\" sizes=\"(max-width: 1121px) 100vw, 1121px\" \/>\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<div class=\"elementor-element elementor-element-726cd0b1 e-con-full e-flex e-con e-child\" data-id=\"726cd0b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_offset&quot;:140,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fb62ded elementor-widget elementor-widget-heading\" data-id=\"2fb62ded\" 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\">Find the Right Balance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12942784 elementor-widget elementor-widget-text-editor\" data-id=\"12942784\" 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>A corporate pension fund should not replace any of the ways you may already use to manage your money: it can <b>work synergistically with various financial commitments<\/b>, whether it&#8217;s a real estate investment, a savings account, or an Accumulation Plan (PAC) with ETFs.<\/p><p>Joining a <b>negotiated pension fund<\/b> like Fondapi can be one of the most effective ways to start saving for your retirement, <b>by investing small monthly amounts<\/b>.<\/p><p>Indeed, thanks to the <b>inflow of TFR and employer contributions<\/b> (only applicable when joining funds linked to your employment contract), the <b>tax benefits<\/b>, and the <b>long-term effect of reinvested returns<\/b> (compound interest), it is possible to build, even without any technical knowledge in financial matters, a <b>good investment for your future<\/b>.<\/p><p>All of the above contributes to <b>growing the capital accumulated in the fund over time<\/b> and, consequently, to <b>increasing your income during retirement<\/b>.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20db65ae elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"20db65ae\" 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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4bca9f48 e-flex e-con-boxed e-con e-parent\" data-id=\"4bca9f48\" 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-5d6980b9 e-con-full e-flex e-con e-child\" data-id=\"5d6980b9\" 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-5e9b4d5e elementor-widget elementor-widget-heading\" data-id=\"5e9b4d5e\" 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\">Invest starting from <br><span style=\"color: #3997B9\">\u20ac20 per month<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13fdd6e7 elementor-widget elementor-widget-text-editor\" data-id=\"13fdd6e7\" 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 pension fund, compared to other types of investments, allows you to <b>start with very low amounts<\/b>.<\/p><p>The example we provide below simulates how, with a personal contribution of only \u20ac24 per month, younger individuals can save, over approximately 40 years of <b>contributions up to nearly \u20ac280,000<\/b> (the \u20ac24 is supplemented by the accrued TFR and company contribution).<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29575f85 e-flex e-con-boxed e-con e-parent\" data-id=\"29575f85\" 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-4ff6be90 e-con-full e-flex e-con e-child\" data-id=\"4ff6be90\" 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-331121b8 elementor-widget elementor-widget-text-editor\" data-id=\"331121b8\" 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<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><ul><li aria-level=\"1\"><b>Age<\/b>: this column dedicated to each possible retirement age estimates the gross result of your pension fund.<\/li><li aria-level=\"1\"><b>Cumulative Gross Contributions<\/b>: the total contributed up to that year.<\/li><li aria-level=\"1\"><b>Individual Position<\/b>: the total of contributions and returns.<\/li><li aria-level=\"1\"><b>Gross Lifetime Annuity<\/b>: corresponds to the conversion of your pension fund into annual installments.<\/li><\/ul><br><p><em>In the case of retirement at 67 with a total of \u20ac277,908, we would receive approximately \u20ac11,000 per year in supplementary pension.<\/em><\/p><p><strong>For the simulation, we used our pension simulator. <\/strong><em><br><\/em><\/p><\/div>\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-499dc3a3 elementor-widget elementor-widget-button\" data-id=\"499dc3a3\" 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:\/\/funds.previnet.it\/fondapi-w-psimula\/previdenziale.html#\/previdenziale%20\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Try it yourself!<\/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-73b8e886 e-con-full e-flex e-con e-child\" data-id=\"73b8e886\" 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-7d29625b elementor-widget elementor-widget-image\" data-id=\"7d29625b\" 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 decoding=\"async\" width=\"580\" height=\"542\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/06\/image.png\" class=\"attachment-full size-full wp-image-61030\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/06\/image.png 580w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/06\/image-300x280.png 300w\" sizes=\"(max-width: 580px) 100vw, 580px\" \/>\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-2e8bd415 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"2e8bd415\" 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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31ea2903 e-flex e-con-boxed e-con e-parent\" data-id=\"31ea2903\" 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-29566199 e-con-full e-flex e-con e-child\" data-id=\"29566199\" 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-cc4af27 elementor-widget elementor-widget-heading\" data-id=\"cc4af27\" 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\">What are the <span style=\"color: #3997B9\">differences<\/span> with an Accumulation Plan (PAC) in ETFs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1514c70b elementor-widget elementor-widget-text-editor\" data-id=\"1514c70b\" 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 <b>differences between a Pension Fund and a PAC in ETFs<\/b> are not many, and in some ways, the functioning of these two forms of investment is also comparable.<\/p><p>In both cases, money is invested recurrently and for a certain period of time, aiming not for a gain based on financial speculation, but on the <b>growth of the various securities that make up the reference index<\/b>.<\/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-b0f3129 elementor-widget elementor-widget-heading\" data-id=\"b0f3129\" 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 pension fund compared to other investments: <span style=\"color: #3997B9\">the applied taxation<\/span>  <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7de90d5 elementor-widget elementor-widget-text-editor\" data-id=\"7de90d5\" 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 substantial differences between the different types of investments are found in the <b>applied taxation<\/b>. The Pension Fund, having a <b>pension purpose<\/b> by law, can offer a greater number of <b>tax benefits<\/b> compared to accumulation plans. <\/p><p>For example:<\/p><ul><li aria-level=\"1\">the <b>contributions<\/b> paid annually are <b>deductible<\/b> from your income up to <b>\u20ac5,164.57<\/b>;<\/li><li aria-level=\"1\">the <b>taxation on returns<\/b> from equity securities from 26%, reserved for individuals, drops to <b>20%<\/b>;<\/li><li aria-level=\"1\">the <b>IRPEF taxation on the final redemption<\/b>, i.e., at the time of retirement, is <b>a maximum of 15%<\/b> fixed. Furthermore, for each year of membership after the <b>15th<\/b>, a tax discount of <b>0.3%<\/b> per year is applied: this brings the taxation, <b>after 35 years of membership in the fund<\/b>, to a <b>minimum of 9%<\/b>; <\/li><li aria-level=\"1\">in the case of <b>redemption by heirs<\/b>, the <b>pension fund is not subject to inheritance tax<\/b>.<\/li><\/ul>\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-4f4b09fd elementor-widget elementor-widget-button\" data-id=\"4f4b09fd\" 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\/en\/how-it-works\/tax-benefits\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Discover the tax advantages<\/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-34cedc3b e-con-full e-flex e-con e-child\" data-id=\"34cedc3b\" 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-44673e64 e-con-full e-flex e-con e-child\" data-id=\"44673e64\" 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-23f43ad e-flex e-con-boxed e-con e-child\" data-id=\"23f43ad\" 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-662b2e3f elementor-widget elementor-widget-heading\" data-id=\"662b2e3f\" 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\">Deductibility<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a583bc8 elementor-widget elementor-widget-text-editor\" data-id=\"5a583bc8\" 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>Deductibility of contributions paid to supplementary pensions up to <strong>\u20ac5,164.57 annually<\/strong>.<\/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-30544364 e-con-full e-flex e-con e-child\" data-id=\"30544364\" 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-93c3d1a e-flex e-con-boxed e-con e-child\" data-id=\"93c3d1a\" 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-5f791fb9 elementor-widget elementor-widget-heading\" data-id=\"5f791fb9\" 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\">Taxation<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa58690 elementor-widget elementor-widget-text-editor\" data-id=\"fa58690\" 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><strong>IRPEF taxation of TFR and contributions<\/strong> paid to the pension fund <strong>favorably<\/strong>, up to a maximum of 23% for redemptions before retirement, and <strong>between 15% and 9%<\/strong> (depending on membership seniority) for <strong>liquidations following retirement<\/strong>.<\/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-25d821fc elementor-button-info elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"25d821fc\" 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\/investimenti\/aliquote-e-scaglioni-irpef-2023\/\">\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 IRPEF rates and brackets<\/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\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-52002e29 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"52002e29\" 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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-54ad93df e-flex e-con-boxed e-con e-parent\" data-id=\"54ad93df\" 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-23afac86 e-con-full e-flex e-con e-child\" data-id=\"23afac86\" 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-bab9926 elementor-widget elementor-widget-heading\" data-id=\"bab9926\" 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 pension fund compared to other investments: <span style=\"color: #3997B9\">Contribution<\/span>  <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e4e4184 elementor-widget elementor-widget-text-editor\" data-id=\"7e4e4184\" 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>As for the <b>inflow of capital to invest<\/b>, the main difference is in the <b>sources of capital<\/b>.<\/p><p>In the case of <b>accumulation plans<\/b>, the source is generally a single one: your <b>bank account<\/b>. For <b>pension funds<\/b>, the main sources are: <\/p><ul><li aria-level=\"1\"><b>TFR<\/b>, which the company pays directly to the fund;<\/li><li aria-level=\"1\"><b>additional company contribution<\/b>, due only in the case of joining a category fund;<\/li><li aria-level=\"1\"><b>minimum voluntary contribution from the worker<\/b>, which on average is around <b>1.5% of the RAL<\/b> and varies based on the CCNL.<\/li><\/ul>\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-8895680 elementor-widget elementor-widget-heading\" data-id=\"8895680\" 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 pension fund compared to other investments: <span style=\"color: #3997B9\">financial management and tax obligations<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f33995 elementor-widget elementor-widget-text-editor\" data-id=\"8f33995\" 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>In this case too, <b>the differences are numerous<\/b>.<\/p><p>To start an accumulation plan, you need to find a <b>broker or a brokerage platform<\/b>, <b>open an account<\/b> on it, and then <b>buy ETFs or other instruments<\/b> based on your investment strategy. On one hand, you have <b>extreme flexibility<\/b> in defining your personal strategy, but on the other, you need to <b>spend many hours studying and learning about the solutions offered by the market.<\/b> <\/p><p>The <b>pension fund<\/b>, on the other hand, cannot offer this degree of flexibility; most funds offer different <b>types of investments<\/b> (the so-called <b>compartments<\/b>), each set on <b>specific strategies<\/b> aimed at achieving a series of predetermined objectives.<\/p><p>This process involves:<\/p><ul><li aria-level=\"1\">the <b>finance office<\/b> of the fund, which guides and defines the choices, policies, and investment strategies;<\/li><li aria-level=\"1\">a <b>financial advisor<\/b> <b>,<\/b> chosen by the finance office, who supports the same office in defining strategies and monitoring markets;<\/li><li aria-level=\"1\">the <b>financial managers<\/b>, who are materially responsible for investing the capital that the pension fund collects<\/li><li aria-level=\"1\">a <b>custodian bank<\/b>, which holds the managed sums and monitors, together with the fund, compliance with investment strategies and policies.<br><br><\/li><\/ul><p>Fondapi also uses the advice of a <b>sustainable benchmark provider<\/b> that assigns an <b>ESG score<\/b> to all the securities in which the Fund might invest; securities with the lowest ESG score are then removed from the list of securities in which Fondapi might invest.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-362ab964 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"362ab964\" 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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aef4695 e-flex e-con-boxed e-con e-parent\" data-id=\"aef4695\" 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-7968cf2e e-con-full e-flex e-con e-child\" data-id=\"7968cf2e\" 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-54e36b98 elementor-widget elementor-widget-heading\" data-id=\"54e36b98\" 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\">Pension Fund and Tax Obligations <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2623f5e3 elementor-widget elementor-widget-text-editor\" data-id=\"2623f5e3\" 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>Also regarding the tax obligations on the member, compared to other investments, <b>the pension fund is very advantageous<\/b>; moreover, the member, except in some cases, does not have particular or difficult tax obligations to fulfill.<\/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-3f4d64ab e-con-full e-flex e-con e-child\" data-id=\"3f4d64ab\" 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-529cc4fa e-con-full e-flex e-con e-child\" data-id=\"529cc4fa\" 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-364ed079 e-flex e-con-boxed e-con e-child\" data-id=\"364ed079\" 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-17963987 elementor-widget elementor-widget-heading\" data-id=\"17963987\" 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\">Income Tax Return (Mod. 730)<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-734f7a9 elementor-widget elementor-widget-text-editor\" data-id=\"734f7a9\" 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>Excluding only the contributions that come from the member&#8217;s bank account, <b>all other contributions are already reported to the Revenue Agency<\/b> by the company through the <b>Certificazione Unica<\/b>.<\/p><p><b>Fondapi reports the contributions made<\/b> to the Revenue Agency, and they are included in the member&#8217;s tax drawer.<\/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-33e943a6 e-con-full e-flex e-con e-child\" data-id=\"33e943a6\" 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-53713e0f e-flex e-con-boxed e-con e-child\" data-id=\"53713e0f\" 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-3283f52c elementor-widget elementor-widget-heading\" data-id=\"3283f52c\" 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\">ISEE Certification<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39a4e33 elementor-widget elementor-widget-text-editor\" data-id=\"39a4e33\" 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>Equivalent Economic Situation Indicator<\/b> (ISEE) is an indicator that measures the <b>family&#8217;s economic condition<\/b> and constitutes the main tool for accessing certain <b>bonuses<\/b> or <b>social benefits<\/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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2dbd6465 e-con-full e-flex e-con e-child\" data-id=\"2dbd6465\" 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-b168796 elementor-widget elementor-widget-heading\" data-id=\"b168796\" 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\">Regarding <strong>ISEE, the pension fund is not among the assets to be declared.<\/strong>\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2710df29 elementor-widget elementor-widget-text-editor\" data-id=\"2710df29\" 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 <b>only case<\/b> in which information about the Pension Fund must be <b>communicated<\/b> is when the member, once retired, has opted for the <b>pension benefit in annuity<\/b>. The INPS instructions for completing the <g id=\"gid_3\">Single Substitute Declaration<\/g> specify that in the <g id=\"gid_4\">FC8 section<\/g> (Income, treatments, and expenses) the \u201c<g id=\"gid_5\">supplementary pension benefits paid in the form of an annuity included in the accrued from January 1, 2007<\/g>\u201d must be reported. The instructions also specify that <i>\u201cbenefits paid by pension funds in the form of capital should not be indicated.\u201d<\/i>  <\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e30ff17 e-flex e-con-boxed e-con e-parent\" data-id=\"e30ff17\" 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-dd4e822 elementor-widget elementor-widget-html\" data-id=\"dd4e822\" 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<div class=\"elementor-element elementor-element-4885c4a e-con-full e-flex e-con e-parent\" data-id=\"4885c4a\" 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-00aaed2 e-con-full e-flex e-con e-child\" data-id=\"00aaed2\" 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-3304dcc elementor-widget elementor-widget-heading\" data-id=\"3304dcc\" 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\">How much money are you giving up?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7698d4 elementor-widget elementor-widget-heading\" data-id=\"b7698d4\" 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\">Find out with our simulator. It's free! \n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50e0583 e-flex e-con-boxed e-con e-child\" data-id=\"50e0583\" 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-653578c elementor-widget elementor-widget-button\" data-id=\"653578c\" 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\/en\/how-it-works\/company-contribution\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Calculate now!<\/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 class=\"elementor-element elementor-element-5aa0b70 elementor-widget elementor-widget-button\" data-id=\"5aa0b70\" 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:\/\/forms.office.com\/e\/3TMS2B7AMy\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request a consultation<\/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\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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Fondapi Being able to save for the future is essential, and doing so by contributing to a negotiated pension fund (linked to your employment contract) is an excellent way, as it can perfectly integrate with other forms of investment already used; let&#8217;s look at the peculiarities of the pension fund compared to other investments. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61274,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-61113","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>Comparison with other Investments - Fondapi<\/title>\n<meta name=\"description\" content=\"The pension fund allows you to start investing with very low amounts. 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