{"id":61353,"date":"2024-06-18T17:52:29","date_gmt":"2024-06-18T15:52:29","guid":{"rendered":"https:\/\/www.fondapi.it\/how-it-works\/tax-benefits\/"},"modified":"2025-11-28T11:16:46","modified_gmt":"2025-11-28T10:16:46","slug":"tax-benefits","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/en\/how-it-works\/tax-benefits\/","title":{"rendered":"Tax Benefits"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"61353\" class=\"elementor elementor-61353 elementor-55742\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20d8de21 e-flex e-con-boxed e-con e-parent\" data-id=\"20d8de21\" 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-65a652b5 e-flex e-con-boxed e-con e-child\" data-id=\"65a652b5\" 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-47087ccf elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"47087ccf\" 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-6d26a704 elementor-widget elementor-widget-html\" data-id=\"6d26a704\" 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-3636c9be e-flex e-con-boxed e-con e-child\" data-id=\"3636c9be\" 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-7d048caf elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"7d048caf\" 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\">How it works<\/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-730adcc9 e-flex e-con-boxed e-con e-parent\" data-id=\"730adcc9\" 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-22026fc6 e-con-full e-flex e-con e-child\" data-id=\"22026fc6\" 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-86f2d61 elementor-widget elementor-widget-heading\" data-id=\"86f2d61\" 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\"><span style=\"color: #3997B9\">Fewer taxes<\/span> to pay<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c87e81d elementor-widget elementor-widget-text-editor\" data-id=\"5c87e81d\" 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>By joining Fondapi you will enjoy the <b>tax benefits related to supplementary pensions<\/b>, both in the accumulation and liquidation phases.<\/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-42211eaa e-con-full e-flex e-con e-child\" data-id=\"42211eaa\" 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-31281f04 elementor-widget elementor-widget-image\" data-id=\"31281f04\" 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=\"2000\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse.webp\" class=\"attachment-full size-full wp-image-61356\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse.webp 2000w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse-300x300.webp 300w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse-1024x1024.webp 1024w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse-150x150.webp 150w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse-768x768.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/meno-tasse-1536x1536.webp 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\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-987b28c e-flex e-con-boxed e-con e-parent\" data-id=\"987b28c\" 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-3e5b50c e-con-full e-flex e-con e-child\" data-id=\"3e5b50c\" 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-bb554f0 e-con-full e-flex e-con e-child\" data-id=\"bb554f0\" 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-1e7bfe8 elementor-widget elementor-widget-heading\" data-id=\"1e7bfe8\" 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\">Here's how Fondapi helps you\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8bf557 elementor-widget elementor-widget-text-editor\" data-id=\"e8bf557\" 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-0c8182a e-con-full e-flex e-con e-child\" data-id=\"0c8182a\" 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-60d5036 e-con-full e-flex e-con e-child\" data-id=\"60d5036\" 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-3f7d6ee e-flex e-con-boxed e-con e-child\" data-id=\"3f7d6ee\" 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-af619b5 elementor-widget elementor-widget-heading\" data-id=\"af619b5\" 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 of contributions<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbd1bd1 elementor-widget elementor-widget-text-editor\" data-id=\"dbd1bd1\" 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>Every year you can deduct up to \u20ac5,164.57. Fewer taxes on your tax return. Every year!  <\/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-c730554 e-con-full e-flex e-con e-child\" data-id=\"c730554\" 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-7b8cf54 e-flex e-con-boxed e-con e-child\" data-id=\"7b8cf54\" 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-f8e3bba elementor-widget elementor-widget-heading\" data-id=\"f8e3bba\" 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\">Advantageous taxation of returns<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7c0865 elementor-widget elementor-widget-text-editor\" data-id=\"c7c0865\" 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 returns are taxed at 20% instead of 26%!<\/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-9998ca9 e-con-full e-flex e-con e-child\" data-id=\"9998ca9\" 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-48ac845 e-flex e-con-boxed e-con e-child\" data-id=\"48ac845\" 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-dea3acd elementor-widget elementor-widget-heading\" data-id=\"dea3acd\" 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\">Tax discount on TFR liquidations<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad339bb elementor-widget elementor-widget-text-editor\" data-id=\"ad339bb\" 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>Liquidation for retirement is taxed between 15% and 9%.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-258e5e67 e-flex e-con-boxed e-con e-parent\" data-id=\"258e5e67\" 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-2ae43f51 e-con-full e-flex e-con e-child\" data-id=\"2ae43f51\" 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-36de7efd elementor-widget elementor-widget-image\" data-id=\"36de7efd\" 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=\"1334\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita.webp\" class=\"attachment-full size-full wp-image-61357\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita.webp 1334w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita-683x1024.webp 683w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita-768x1151.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita-1025x1536.webp 1025w\" sizes=\"(max-width: 1334px) 100vw, 1334px\" \/>\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-a8f7265 e-con-full e-flex e-con e-child\" data-id=\"a8f7265\" 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-53a8a93b elementor-widget elementor-widget-heading\" data-id=\"53a8a93b\" 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\">Tax deductibility\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52ee0406 elementor-widget elementor-widget-text-editor\" data-id=\"52ee0406\" 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>Tax deductions<\/b> refer to expenses that a taxpayer can <b>&#8220;subtract&#8221; from their total taxable income<\/b> thereby reducing the taxable base on which IRPEF tax is calculated.<\/p><p>The <b>sum of deductible expenses must be subtracted from total income<\/b>, while the result (i.e., taxable income) will be used to calculate IRPEF, <b>reducing the overall tax rate<\/b> that weighs on the taxpayer.<\/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-7310d0f elementor-widget elementor-widget-button\" data-id=\"7310d0f\" 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=\"#simulatore\">\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\">Use the simulator to calculate your tax savings<\/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-d08958f elementor-widget elementor-widget-text-editor\" data-id=\"d08958f\" 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>Please note that it is possible to deduct up to <b>\u20ac5,164.57<\/b> each year; having multiple pension funds or contributing for multiple dependents does not raise this limit, and any amounts that contribute to exceeding this threshold must be promptly reported to the Fund as they cannot be deducted.<\/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-119484be elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"119484be\" 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<div class=\"elementor-element elementor-element-73240c6 elementor-widget elementor-widget-menu-anchor\" data-id=\"73240c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"simulator\"><\/div>\n\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-5f601961 e-flex e-con-boxed e-con e-parent\" data-id=\"5f601961\" 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-131a869f e-con-full e-flex e-con e-child\" data-id=\"131a869f\" 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-978278f elementor-widget elementor-widget-menu-anchor\" data-id=\"978278f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"simulatore\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49fc402c elementor-widget elementor-widget-heading\" data-id=\"49fc402c\" 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\">Simulate tax savings\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-678c0d2 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"678c0d2\" 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><iframe style=\"width: 100%; border: 0; outline: none;\" title=\"Calconic_ Calculator\" src=\"https:\/\/app.calconic.com\/api\/embed\/calculator\/66f2be950e8589002a4b29f9\" name=\"Calconic_ Calculator\" height=\"967px\" scrolling=\"no\" sandbox=\"allow-same-origin allow-forms allow-scripts allow-top-navigation allow-popups-to-escape-sandbox allow-popups\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><br \/><script>\n  (function() {\n    function inViewport(element) {\n        var m = 100;\n        var w = window;\n        var r = element.getBoundingClientRect();\n        var wB = w.innerHeight;\n        var wR = w.innerWidth;\n        return ( (0 <= r.top &#038;&#038; wB -m >= r.top) || (0 >= r.top && wB <= r.bottom) || (m <= r.bottom &#038;&#038; wB >= r.bottom) )\n          && ( (0 <= r.left &#038;&#038; wR -m >= r.left) || (0 >= r.left && wR <= r.right) || (m <= r.right &#038;&#038; wR >= r.right) );\n    }\n    \n    var iframes = [];\n    window.addEventListener(\"message\",function(t){\n      var e=\"https:\/\/www.paypalobjects.com\/api\/checkout.4.0.141.js\";\n      if(!document.querySelector('script[src=\"'+e+'\"]')&&t.data&&\"LOAD_PAYPAL\"===t.data.action){\n      var a=document.createElement(\"script\");a.src=e,a.async=!0,a.dataset={paypalCheckout:!0,noBridge:!0,state:\"ppxo_meta\",env:\"production\"},document.body.append(a)\n      }if(t.data&&\"CALCONIC_UPDATE_HEIGHT\"===t.data.action){\n      var l=document.querySelectorAll('iframe[src=\"https:\/\/app.calconic.com\/api\/embed\/calculator\/'+t.data.payload.id+'\"]');\n      for (let i in [...l]) {\n        l[i].height=t.data.payload.height;\n        if (!iframes.includes(l[i])) {\n          iframes.push(l[i]);\n          let intervalId = setInterval(function() {\n            if (inViewport(l[i])) {\n              clearInterval(intervalId);\n              l[i].contentWindow.postMessage({ action: 'IN_VIEWPORT' }, '*');\n            }\n          }, 200);\n        }\n      };}\n    });\n  })();\n<\/script><\/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-2490f3fb elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"2490f3fb\" 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-408cf7b e-flex e-con-boxed e-con e-parent\" data-id=\"408cf7b\" 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-b8ae5c6 e-con-full e-flex e-con e-child\" data-id=\"b8ae5c6\" 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-caa24d6 e-con-full e-flex e-con e-child\" data-id=\"caa24d6\" 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-63780f7 e-con-full e-flex e-con e-child\" data-id=\"63780f7\" 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-2b63469 elementor-widget elementor-widget-heading\" data-id=\"2b63469\" 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 can be deducted?\n<\/h3>\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-b20b62f e-con-full e-flex e-con e-child\" data-id=\"b20b62f\" 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-468ce3e e-con-full e-flex e-con e-child\" data-id=\"468ce3e\" 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-0bac029 e-flex e-con-boxed e-con e-child\" data-id=\"0bac029\" 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-caef0d6 elementor-widget elementor-widget-heading\" data-id=\"caef0d6\" 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\">Employee voluntary contribution\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bb6cf0 elementor-widget elementor-widget-text-editor\" data-id=\"0bb6cf0\" 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 contribution you have chosen to pay directly from your paycheck each month.<\/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-a4c6bd4 e-con-full e-flex e-con e-child\" data-id=\"a4c6bd4\" 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-1e5956f e-flex e-con-boxed e-con e-child\" data-id=\"1e5956f\" 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-0e3c75e elementor-widget elementor-widget-heading\" data-id=\"0e3c75e\" 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\">Additional company <br>contribution\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cd9d9e elementor-widget elementor-widget-text-editor\" data-id=\"6cd9d9e\" 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 contribution entirely borne by the company that you obtain by paying your voluntary contribution.<\/p><p><strong> <\/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-67c2d42 e-con-full e-flex e-con e-child\" data-id=\"67c2d42\" 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-f42099c e-flex e-con-boxed e-con e-child\" data-id=\"f42099c\" 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-1cb4f99 elementor-widget elementor-widget-heading\" data-id=\"1cb4f99\" 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\">Additional payroll contributions\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06fce3f elementor-widget elementor-widget-text-editor\" data-id=\"06fce3f\" 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>Amounts you ask the company to withhold from your paycheck and pay directly to Fondapi.<\/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-4d1a350 e-con-full e-flex e-con e-child\" data-id=\"4d1a350\" 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-512d1ff e-con-full e-flex e-con e-child\" data-id=\"512d1ff\" 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-7ccb824 e-flex e-con-boxed e-con e-child\" data-id=\"7ccb824\" 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-2ce6f9b elementor-widget elementor-widget-heading\" data-id=\"2ce6f9b\" 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\">\"One-time\" voluntary contributions\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7fef78 elementor-widget elementor-widget-text-editor\" data-id=\"a7fef78\" 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\tBank transfers made from your current account in favor of your position at Fondapi.\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-b258844 elementor-button-info elementor-widget elementor-widget-button\" data-id=\"b258844\" 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-size-sm\" role=\"button\">\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\">Learn more<\/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-4d75d36 e-con-full e-flex e-con e-child\" data-id=\"4d75d36\" 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-6287c58 e-flex e-con-boxed e-con e-child\" data-id=\"6287c58\" 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-c2b5b83 elementor-widget elementor-widget-heading\" data-id=\"c2b5b83\" 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\">Contributions for dependent family members\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-218ed9c elementor-widget elementor-widget-text-editor\" data-id=\"218ed9c\" 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>Bank transfers made from your current account in favor of the position at Fondapi of a fiscally dependent family member.<\/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-f332e6d elementor-button-info elementor-widget elementor-widget-button\" data-id=\"f332e6d\" 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\/enrollment-of-dependent-family-members\/\">\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\">Learn more<\/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<\/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-354232c1 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"354232c1\" 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-3350cd69 e-flex e-con-boxed e-con e-parent\" data-id=\"3350cd69\" 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-2723c53e e-con-full e-flex e-con e-child\" data-id=\"2723c53e\" 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-2e0b9699 elementor-widget elementor-widget-heading\" data-id=\"2e0b9699\" 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\">Taxation of returns\n\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1541151f elementor-widget elementor-widget-text-editor\" data-id=\"1541151f\" 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>returns<\/b> realized by the fund are subject to a <b>substitute tax equal to 20%<\/b>, with the exception of government bonds and equivalent securities whose returns are taxed at 12.50%. <\/p><p>This taxation is lower compared to that applied to <b>returns from other financial instruments<\/b>, which normally incur a <b>tax equal to 26%<\/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-8abb4c3 elementor-widget elementor-widget-jet-table\" data-id=\"8abb4c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper jet-table-responsive-mobile\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-e3b0edc jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-8131c8d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Stock taxation<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-b420e8b jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Bond taxation<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-5e2943a\"><td class=\"jet-table__cell elementor-repeater-item-8f18ce4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Returns from Fondapi compartments <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-40f86a4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">20%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-92bfda4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">12,5%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b9daf3c\"><td class=\"jet-table__cell elementor-repeater-item-0d50a96 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Returns from other investments <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-78ff13d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">26%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-188eaa5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">12,5%<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54f80815 elementor-widget elementor-widget-heading\" data-id=\"54f80815\" 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\">Tax discount\non TFR liquidations<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a96921d elementor-widget elementor-widget-text-editor\" data-id=\"4a96921d\" 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>tax benefits<\/b> related to supplementary pensions also affect pension benefits, in addition to benefits paid before retirement. They, in fact, benefit from <b>favorable tax treatment<\/b> compared to IRPEF taxation applied by the company. <\/p><p>In particular, on <b>contributions paid from 01\/01\/2007<\/b>:<\/p><ul><li aria-level=\"1\">for pension benefits;<\/li><li aria-level=\"1\">advances for medical expenses;<\/li><li aria-level=\"1\">50% partial withdrawals;<\/li><li aria-level=\"1\">withdrawals in case of death;<\/li><li aria-level=\"1\">disability with reduction of work capacity to less than one third;<\/li><li aria-level=\"1\">unemployment for a period exceeding 48 months,<\/li><\/ul><p>a <b>tax rate of 15% is provided for the first 15 years of fund membership<\/b>; in addition, the rate <b>decreases by 0.30% for each year of participation after the fifteenth<\/b>, down to a <b>minimum of 9%<\/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-4be9681b elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"4be9681b\" 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-7e5fabfe e-flex e-con-boxed e-con e-parent\" data-id=\"7e5fabfe\" 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-1522496d e-con-full e-flex e-con e-child\" data-id=\"1522496d\" 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-4c4d0b22 elementor-widget elementor-widget-heading\" data-id=\"4c4d0b22\" 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\">Examples of tax discount <br>on pension benefits<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5535c874 elementor-widget elementor-widget-text-editor\" data-id=\"5535c874\" 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>Below we report an example of a worker enrolled in Fondapi since 2007 with a 35-year membership; for ease of calculation, the table considers only the accrued TFR, without considering returns or company and employee contributions.<\/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-7a1cbc7 e-con-full e-flex e-con e-child\" data-id=\"7a1cbc7\" 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-ba639b3 elementor-widget elementor-widget-heading\" data-id=\"ba639b3\" 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\">35-year comparison<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6be47e3 elementor-widget elementor-widget-text-editor\" data-id=\"6be47e3\" 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>Let&#8217;s quantify the tax benefits of supplementary pensions:<\/strong><\/p><ul><li>Worker enrolled for 35 years<\/li><li>Redemption for retirement<\/li><li aria-level=\"1\">Accrued TFR \u20ac85,000, 35 years of work experience<\/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-7174ea9 elementor-widget elementor-widget-jet-table\" data-id=\"7174ea9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper jet-table-responsive-mobile\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-e3b0edc jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-8131c8d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Fondapi enrollment <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-b420e8b jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Accumulated TFR <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a509023 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Company taxation <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-c5fb8cd jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Fondapi taxation <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-84c90d1 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Company tax withholding <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-52fbb64 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> Fondapi tax withholding <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-5f772db jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Savings <\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-5e2943a\"><td class=\"jet-table__cell elementor-repeater-item-8f18ce4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Mario<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-40f86a4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-92bfda4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">\u20ac85,000 <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-25175f9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-2f3e4e8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">9%  <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-1fe8ff8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-ce13019 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> \u20ac7,650 <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-7976e53 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> \u20ac13,058 <\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b9daf3c\"><td class=\"jet-table__cell elementor-repeater-item-0d50a96 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Lucia<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-78ff13d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-188eaa5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> \u20ac85,000 <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-b46a347 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">  24,36%  <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-a79737e jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-7384727 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> \u20ac20,708 <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-32c12f8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-87908ee jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> \u20ac0 <\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ead247c elementor-widget elementor-widget-heading\" data-id=\"ead247c\" 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\">15-year comparison<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-903de06 elementor-widget elementor-widget-text-editor\" data-id=\"903de06\" 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>Let&#8217;s quantify the tax benefits of supplementary pensions:<\/strong><\/p><ul><li>Worker enrolled for 15 years<\/li><li>Redemption for retirement<\/li><li aria-level=\"1\">Accrued TFR \u20ac37,500, 15 years of work experience<\/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-9fc1630 elementor-widget elementor-widget-jet-table\" data-id=\"9fc1630\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper jet-table-responsive-mobile\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-e3b0edc jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-8131c8d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Fondapi enrollment <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-b420e8b jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Accumulated TFR <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a509023 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Company taxation <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-c5fb8cd jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Fondapi taxation <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-84c90d1 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Company tax withholding <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-52fbb64 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> Fondapi tax withholding <\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-5f772db jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Savings <\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-5e2943a\"><td class=\"jet-table__cell elementor-repeater-item-8f18ce4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Mario<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-40f86a4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-92bfda4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> \u20ac37,500 <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-25175f9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-2f3e4e8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">  15%  <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-1fe8ff8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-ce13019 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> \u20ac5,625 <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-7976e53 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> \u20ac3,625 <\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b9daf3c\"><td class=\"jet-table__cell elementor-repeater-item-0d50a96 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Lucia<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-78ff13d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-188eaa5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> \u20ac37,500 <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-b46a347 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">  24,67%  <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-a79737e jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-7384727 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> \u20ac9,250 <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-32c12f8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><span class=\"jet-elements-icon jet-table__cell-icon jet-table__cell-icon--before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-times-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z\"><\/path><\/svg><\/span><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-87908ee jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\"> \u20ac0 <\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\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-5a91b41c e-con-full e-flex e-con e-child\" data-id=\"5a91b41c\" 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-70b37b49 elementor-widget elementor-widget-heading\" data-id=\"70b37b49\" 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\"><span style=\"color: #3997B9\">Additional tax benefits:<\/span> taxation of other benefits related to supplementary pensions<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5683217 elementor-widget elementor-widget-text-editor\" data-id=\"5683217\" 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>For <b>other types of benefits<\/b> a <b>fixed tax rate of 23%<\/b> is provided, which is still lower compared to company IRPEF taxation that starts at 23% and increases based on the amount.<\/p><p>For <b>workers who have accrued contributions before 01\/01\/2007<\/b> the taxation applied is that provided by the tax regime in force before the entry into force of the 2007 TFR law (Legislative Decree 252\/2007). In particular: <\/p><ol><li aria-level=\"1\">in cases of <b>withdrawal following termination of employment for reasons not dependent on the will of the parties<\/b> (retirement, mobility, company bankruptcy, etc.) and <b>for all types of advances<\/b>, contributions are taxed at the marginal IRPEF rate under the separate taxation regime;<\/li><li aria-level=\"1\">in cases of <b>withdrawal following termination of employment for reasons dependent on the will of the parties<\/b> (resignation, individual dismissal, end of fixed-term contract, etc.) contributions from 01\/01\/2001 to 31\/12\/2006 are taxed with marginal IRPEF rate under the provisional taxation regime.<\/li><\/ol><p><br>Fondapi, as a withholding agent, <b>automatically makes the required withholdings<\/b> when disbursing benefits. These withholdings are in some cases final, in other cases provisional and require adjustment through the tax return. <\/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-97e76a7 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"97e76a7\" 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\/employee-enrollment\/pension-fund-redemption\/taxation-scheme-applied-to-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\">Consult the analytical scheme<\/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-bd4f761 elementor-widget elementor-widget-heading\" data-id=\"bd4f761\" 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\">of taxation applied to Fondapi benefits<\/h6>\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-3403f826 e-flex e-con-boxed e-con e-parent\" data-id=\"3403f826\" 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-4e94d2ff elementor-widget elementor-widget-html\" data-id=\"4e94d2ff\" 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-5e654654 e-con-full e-flex e-con e-parent\" data-id=\"5e654654\" 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-4a743660 e-con-full e-flex e-con e-child\" data-id=\"4a743660\" 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-6165a9df elementor-widget elementor-widget-heading\" data-id=\"6165a9df\" 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\">Still Have Questions?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30109ad7 elementor-widget elementor-widget-heading\" data-id=\"30109ad7\" 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\">Book a completely free and no-obligation telephone consultation <br>or send an email to clarify any doubts.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-374baeea e-con-full e-flex e-con e-child\" data-id=\"374baeea\" 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-75b92885 elementor-widget elementor-widget-button\" data-id=\"75b92885\" 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\">\n\t\t\t\t\t\t<span 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Here&#8217;s how Fondapi helps you Also regarding the tax obligations on the member, compared to other investments, the pension fund is very advantageous; moreover, the member, except [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61238,"menu_order":11,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-61353","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>Tax Benefits - Fondapi<\/title>\n<meta name=\"description\" content=\"Discover the numerous tax benefits of the pension fund. 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