{"id":61306,"date":"2024-06-14T11:25:08","date_gmt":"2024-06-14T09:25:08","guid":{"rendered":"https:\/\/www.fondapi.it\/fondapi\/what-is-fondapi\/"},"modified":"2025-11-27T09:14:59","modified_gmt":"2025-11-27T08:14:59","slug":"what-is-fondapi","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/en\/fondapi\/what-is-fondapi\/","title":{"rendered":"What is Fondapi"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"61306\" class=\"elementor elementor-61306 elementor-1195\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-653d948 e-flex e-con-boxed e-con e-parent\" data-id=\"653d948\" 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-dc41a10 e-flex e-con-boxed e-con e-child\" data-id=\"dc41a10\" 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-58908fc elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"58908fc\" 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-30db121 elementor-widget elementor-widget-html\" data-id=\"30db121\" 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-256d4b4 e-flex e-con-boxed e-con e-child\" data-id=\"256d4b4\" 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-9257370 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"9257370\" 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-fa4006a e-flex e-con-boxed e-con e-parent\" data-id=\"fa4006a\" 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-893b52a e-con-full e-flex e-con e-child\" data-id=\"893b52a\" 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-f7481b1 elementor-widget elementor-widget-text-editor\" data-id=\"f7481b1\" 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 is the supplementary <strong>pension fund<\/strong> <strong>negotiated<\/strong> for <strong>male and<\/strong> <strong>female workers<\/strong> of Italian <strong>small and medium-sized enterprises<\/strong>.&nbsp;<\/p>\n<p>Fondapi was established in the late &#8217;90s by Confapi, CGIL, CISL, and UIL with the sole <strong>objective<\/strong> of <strong>supplementing the public pension<\/strong> (INPS) of enrolled workers through an additional and voluntary pension system.<\/p>\n<h2>Who Can Join Fondapi?<\/h2>\n<div>Workers employed by companies that apply one of the following <strong>National Collective Labor Agreements (CCNL)<\/strong> can join Fondapi:<\/div>\n<ul>\n<li>Metalworking;<\/li>\n<li>Chemical;<\/li>\n<li>Plastic and Rubber;<\/li>\n<li>Glass;<\/li>\n<li>Ceramics;<\/li>\n<li>Textile;<\/li>\n<li>Food Industry;<\/li>\n<li>Graphic &#8211; Cartographic;<\/li>\n<li>IT &#8211; Innovative Services;&nbsp;<\/li>\n<li>Multi-services &#8211; Business Services;<\/li>\n<li>Construction;<\/li>\n<li>Bricks and Cement;<\/li>\n<li>Lime and Gypsum;<\/li>\n<li>Stone Industry.&nbsp;<\/li>\n<\/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-2e9892f elementor-widget elementor-widget-button\" data-id=\"2e9892f\" 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\/fondapi\/what-is-fondapi\/metalworking-ccnl\/\">\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\">The Metalworking CCNL<\/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-f58ae9e e-con-full e-flex e-con e-child\" data-id=\"f58ae9e\" 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-7d86ef4 elementor-widget elementor-widget-image\" data-id=\"7d86ef4\" 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\/cose.webp\" class=\"attachment-full size-full wp-image-60724\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/cose.webp 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/cose-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/cose-682x1024.webp 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/cose-768x1152.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/cose-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-de45f33 e-flex e-con-boxed e-con e-parent\" data-id=\"de45f33\" 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-b59219a e-con-full e-flex e-con e-child\" data-id=\"b59219a\" 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-65fd22e elementor-widget elementor-widget-text-editor\" data-id=\"65fd22e\" 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<h3>How is Fondapi Managed?<\/h3><div>Fondapi is administered by a joint Board of Directors composed of representatives of associated workers (CGIL, CISL, and UIL) and representatives of contributing companies (Confapi).<\/div><div>\u00a0<\/div><h3>Why Join a Pension Fund like Fondapi?<\/h3><p>Joining Fondapi will allow you to build a supplementary pension that will add to your INPS public pension.<strong> During this journey, you can benefit from numerous economic and tax advantages:<\/strong><\/p><ul><li><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fondapi.it\/en\/how-it-works\/company-contribution\/\">Additional contribution paid by the company<\/a><\/span>;<\/li><li><a href=\"https:\/\/www.fondapi.it\/en\/how-it-works\/tax-benefits\/\"><span style=\"text-decoration: underline;\">Tax deduction of contributions paid to the Fund<\/span><\/a>;<\/li><li><a href=\"https:\/\/www.fondapi.it\/en\/how-it-works\/employee-enrollment\/pension-fund-redemption\/\"><span style=\"text-decoration: underline;\">Preferential taxation at the time of liquidation<\/span><\/a>;<\/li><li><a href=\"https:\/\/www.fondapi.it\/en\/investment\/member-non-member-comparison\/\"><span style=\"text-decoration: underline;\">Potentially higher returns than the revaluation of severance pay in the company<\/span><\/a>.<\/li><\/ul><h3>How Does Joining a Pension Fund like Fondapi Work?<\/h3><p>Those who join Fondapi choose to <strong>allocate<\/strong> at least their <strong>severance pay<\/strong> (TFR) to the Fund instead of leaving it with the company.<\/p><p>An <strong>exclusive benefit<\/strong> of Fondapi is the possibility to pay a voluntary monthly contribution (directly from your paycheck) and thus obtain the <strong>additional contribution from the company<\/strong>.<\/p><p>This mechanism allows you to create a supplementary pension starting from just a few euros per month.<\/p><h3>How are the Amounts Paid to Fondapi Managed?<\/h3><p>The contributions paid to Fondapi (severance pay, voluntary contribution, and company contribution) are invested in the investment compartment you choose when joining.<\/p><p>For more details about the compartments and to understand which is best for you, <strong><a href=\"https:\/\/www.fondapi.it\/en\/investment\/how-to-choose-the-investment-option\/\"><span style=\"text-decoration: underline;\">visit the dedicated page<\/span><\/a><\/strong>.<\/p><h3>If I Join a Pension Fund like Fondapi, Am I Bound until Retirement?<\/h3><p>No, Fondapi binds you less than you might expect. You can withdraw the funds:<\/p><ul><li><strong>at the time<\/strong> of retirement (as capital, annuity, or mixed form);<\/li><li><strong>before retirement<\/strong> if you change jobs and your new company doesn&#8217;t apply a CCNL that includes Fondapi.<\/li><\/ul><p>Additionally, just as with company-held funds, you can <strong>request advances<\/strong> on the capital you have accumulated:<\/p><ul><li><strong>medical expenses<\/strong> for you or close family members &#8211; without enrollment restrictions &#8211; up to 75% of accrued amount;<\/li><li><strong>purchase<\/strong> or <strong>renovation of primary residence<\/strong> for you or your children &#8211; after 8 years of membership &#8211; up to 75% of accrued amount;<\/li><li><strong>expenses without justification required<\/strong> &#8211; after 8 years of membership &#8211; up to 30% of accrued amount.<\/li><\/ul><h3>How are Benefits Paid by Fondapi Taxed?<\/h3><p>Fondapi provides numerous benefits. The most common are:<\/p><ul><li>the <strong>redemption for loss of participation requirements<\/strong> (following dismissal or resignation). Taxed with a fixed IRPEF substitute rate of 23%;<\/li><li>the <strong>pension benefit<\/strong> taxed between 15% and 9% based on years of membership;<\/li><li><strong>advances<\/strong> for <strong>primary residence and unjustified needs<\/strong> taxed at a fixed 23%;<\/li><li>advances for <strong>medical expenses<\/strong> taxed between 15% and 9% based on years of membership.<\/li><\/ul><h3>How much Does it Cost to Join Fondapi?<\/h3><p>Fondapi is a non-profit entity. Therefore, there are <strong>minimal fixed costs<\/strong> and very low management fees. <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fondapi.it\/en\/how-it-works\/costs\/\">Visit the costs page for more information<\/a><\/span><\/strong> or download the<span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fondapi.it\/documenti\/i-costi\/\"> &#8220;Costs&#8221; sheet<\/a><\/span> of the Information Note.<\/p><h3>How to Join Fondapi?<\/h3><p>To join, print the form or complete the online enrollment. <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/en\/how-it-works\/employee-enrollment\/membership-methods\/\">Visit this page to start the enrollment process. <\/a><\/strong><\/span><\/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-1a27c86 e-flex e-con-boxed e-con e-parent\" data-id=\"1a27c86\" 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-5183521 elementor-widget elementor-widget-html\" data-id=\"5183521\" 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-04be12b elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"04be12b\" 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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Fondapi Fondapi is the supplementary pension fund negotiated for male and female workers of Italian small and medium-sized enterprises.&nbsp; Fondapi was established in the late &#8217;90s by Confapi, CGIL, CISL, and UIL with the sole objective of supplementing the public pension (INPS) of enrolled workers through an additional and voluntary pension system. Who Can [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61274,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-61306","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>What is Fondapi - Fondapi<\/title>\n<meta name=\"description\" content=\"Fondapi is the supplementary occupational pension fund for workers in Italian small and medium-sized enterprises.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fondapi.it\/en\/fondapi\/what-is-fondapi\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Fondapi - Fondapi\" \/>\n<meta property=\"og:description\" content=\"Fondapi is the supplementary occupational pension fund for workers in Italian small and medium-sized enterprises.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fondapi.it\/en\/fondapi\/what-is-fondapi\/\" \/>\n<meta property=\"og:site_name\" content=\"Fondapi\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pages\/Scegli-Fondapi\/111620682275544?fref=ts\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-27T08:14:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/cose.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1333\" \/>\n\t<meta property=\"og:image:height\" content=\"2000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@fondapi\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fondapi.it\/en\/fondapi\/what-is-fondapi\/\",\"url\":\"https:\/\/www.fondapi.it\/en\/fondapi\/what-is-fondapi\/\",\"name\":\"What is Fondapi - 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