{"id":60967,"date":"2024-06-19T14:43:56","date_gmt":"2024-06-19T12:43:56","guid":{"rendered":"https:\/\/www.fondapi.it\/couts\/"},"modified":"2025-11-12T08:49:28","modified_gmt":"2025-11-12T07:49:28","slug":"couts","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/","title":{"rendered":"Co\u00fbts"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"60967\" class=\"elementor elementor-60967 elementor-55881\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-358f0189 e-flex e-con-boxed e-con e-parent\" data-id=\"358f0189\" 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-6d69c033 e-flex e-con-boxed e-con e-child\" data-id=\"6d69c033\" 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-67aa5191 elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"67aa5191\" 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\/fr\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Accueil\">Accueil<\/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-4e26a608 elementor-widget elementor-widget-html\" data-id=\"4e26a608\" 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-7d7edf00 e-flex e-con-boxed e-con e-child\" data-id=\"7d7edf00\" 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-41f6d441 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"41f6d441\" 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\">comment \u00e7a fonctionne<\/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-5f5c2a28 e-flex e-con-boxed e-con e-parent\" data-id=\"5f5c2a28\" 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-3585db00 e-con-full e-flex e-con e-child\" data-id=\"3585db00\" 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-3870dace elementor-widget elementor-widget-text-editor\" data-id=\"3870dace\" 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>Lorsqu&rsquo;il s&rsquo;agit de choisir une source d&rsquo;investissement, les <b>co\u00fbts<\/b> repr\u00e9sentent naturellement <b>un \u00e9l\u00e9ment fondamental dans le processus de d\u00e9cision d&rsquo;un individu<\/b>. <\/p><p>Pr\u00e9cis\u00e9ment parce que la transparence est l&rsquo;une des valeurs fondamentales de Fondapi, nous offrons donc un outil qui permet une comparaison directe entre les diff\u00e9rentes options disponibles. <\/p><p>Avant de comparer les co\u00fbts des fonds de pension, il est utile de distinguer les diff\u00e9rents types de co\u00fbts qu&rsquo;un adh\u00e9rent peut rencontrer en souscrivant \u00e0 un plan de retraite compl\u00e9mentaire.<\/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-5270aeed e-con-full e-flex e-con e-child\" data-id=\"5270aeed\" 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-3847fb55 elementor-widget elementor-widget-image\" data-id=\"3847fb55\" 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=\"1335\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp\" class=\"attachment-full size-full wp-image-60742\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp 1335w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-684x1024.webp 684w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-768x1151.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-1025x1536.webp 1025w\" sizes=\"(max-width: 1335px) 100vw, 1335px\" \/>\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-6bfbb58b elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"6bfbb58b\" 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-4a3905e e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"4a3905e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;],&quot;animation&quot;:&quot;bounceIn&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4b7747c e-con-full e-flex e-con e-child\" data-id=\"4b7747c\" 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-6186e9a elementor-widget elementor-widget-heading\" data-id=\"6186e9a\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Diff\u00e9rents types de fonds, diff\u00e9rents co\u00fbts\n<\/h2>\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-9acfdf9 e-con-full e-flex e-con e-child\" data-id=\"9acfdf9\" 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-ed00e6a elementor-widget elementor-widget-text-editor\" data-id=\"ed00e6a\" 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>Il existe des diff\u00e9rences de co\u00fbts consid\u00e9rables entre les diff\u00e9rents types de fonds de pension en Italie. G\u00e9n\u00e9ralement, les fonds <strong>les moins co\u00fbteux<\/strong> sont ceux <strong>n\u00e9goci\u00e9s<\/strong>, c&rsquo;est-\u00e0-dire ceux pr\u00e9vus par la convention collective nationale du travail et dont l&rsquo;adh\u00e9sion est li\u00e9e \u00e0 celle-ci. Les faibles co\u00fbts sont dus \u00e0 la nature juridique m\u00eame du fonds. Il s&rsquo;agit, en effet, d&rsquo;organisations qui, de par leurs statuts internes, ne doivent pas g\u00e9n\u00e9rer de profits (<em>\u00e0 but non lucratif<\/em>) et qui s&rsquo;appuient sur la sensibilit\u00e9 des structures syndicales territoriales pour leur promotion.    <\/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-25189d9 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"25189d9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;],&quot;animation&quot;:&quot;bounceIn&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-97e2357 e-con-full e-flex e-con e-child\" data-id=\"97e2357\" 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-491d144 elementor-widget elementor-widget-text-editor\" data-id=\"491d144\" 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>On peut identifier deux types de co\u00fbts pour un fonds de pension :<\/p><ul><li><strong>Co\u00fbts <em>directement<\/em> \u00e0 la charge de l&rsquo;adh\u00e9rent<\/strong> :<br>frais qui couvrent les d\u00e9penses pour les activit\u00e9s administratives. Il s&rsquo;agit souvent d&rsquo;un montant fixe annuel (cotisation d&rsquo;adh\u00e9sion). D&rsquo;autres fois, il s&rsquo;agit d&rsquo;un pr\u00e9l\u00e8vement en pourcentage sur les versements.  <\/li><li><strong>Co\u00fbts <em>indirectement<\/em> \u00e0 la charge de l&rsquo;adh\u00e9rent<\/strong> :<br>ce sont des frais qui couvrent les activit\u00e9s des gestionnaires financiers et de la banque d\u00e9positaire. Ils sont \u00e0 la charge du patrimoine du Fonds puis r\u00e9partis sur chaque adh\u00e9rent individuel. <\/li><li><strong>Co\u00fbts des prestations<\/strong> :<br>ils sont toujours \u00e0 la charge de l&rsquo;adh\u00e9rent, mais ne sont appliqu\u00e9s qu&rsquo;au moment o\u00f9 l&rsquo;adh\u00e9rent effectue une op\u00e9ration (un changement de compartiment, une avance et similaires)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17ce5c1 e-con-full e-flex e-con e-child\" data-id=\"17ce5c1\" 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-d2d3769 elementor-widget elementor-widget-heading\" data-id=\"d2d3769\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Il y a co\u00fbts et co\u00fbts<\/h2>\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-cf78dd6 e-flex e-con-boxed e-con e-parent\" data-id=\"cf78dd6\" 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-1b8605b e-con-full e-flex e-con e-child\" data-id=\"1b8605b\" 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-db19fca elementor-widget elementor-widget-heading\" data-id=\"db19fca\" 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<h2 class=\"elementor-heading-title elementor-size-default\">ISC - Indicateur Synth\u00e9tique des Co\u00fbts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04316d8 elementor-widget elementor-widget-heading\" data-id=\"04316d8\" 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\">Comprendre combien co\u00fbte un fonds de pension<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3eb72b elementor-widget elementor-widget-button\" data-id=\"c3eb72b\" 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\/fr\/couts\/comparez-les-couts\/\">\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\">Comparez les co\u00fbts<\/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-38d0a26 e-con-full e-flex e-con e-child\" data-id=\"38d0a26\" 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-980fe8c elementor-widget elementor-widget-text-editor\" data-id=\"980fe8c\" 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>Comprendre et comparer effectivement combien co\u00fbte un fonds de pension n&rsquo;est pas une op\u00e9ration simple. Pour venir en aide aux int\u00e9ress\u00e9s, l&rsquo;<g id=\"gid_0\">autorit\u00e9 de surveillance<\/g> des fonds de pension (<g id=\"gid_1\"><g id=\"gid_2\">COVIP<\/g><\/g>) a pr\u00e9vu que chaque fonds de pension doit publier son propre Indicateur synth\u00e9tique des co\u00fbts (<g id=\"gid_3\">ISC<\/g>). Cet outil permet en effet une comparaison rapide et efficace du co\u00fbt d&rsquo;un fonds avec d&rsquo;autres.  <\/p><p>L&rsquo;<strong>ISC<\/strong> indique l&rsquo;incidence en pourcentage des co\u00fbts sur la position individuelle acquise pendant la phase d&rsquo;accumulation. <\/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-fbde8d4 e-flex e-con-boxed e-con e-parent\" data-id=\"fbde8d4\" 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-180148f elementor-blockquote--skin-boxed elementor-widget elementor-widget-blockquote\" data-id=\"180148f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tLa m\u00eame autorit\u00e9 de surveillance a estim\u00e9 qu'un ISC de 2 % au lieu de 1 % peut r\u00e9duire le capital accumul\u00e9 apr\u00e8s 35 ans d'environ 18 %, par exemple, le r\u00e9duisant de 100 000 \u00e0 82 000 euros.\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Fonte: Covip<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\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-50a8d45 e-flex e-con-boxed e-con e-parent\" data-id=\"50a8d45\" 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-76a5039 e-con-full e-flex e-con e-child\" data-id=\"76a5039\" 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-5644804 elementor-widget elementor-widget-text-editor\" data-id=\"5644804\" 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 a un co\u00fbt de 22 \u20ac\/an (cotisation d&rsquo;adh\u00e9sion). Au moment de l&rsquo;adh\u00e9sion et uniquement \u00e0 ce moment-l\u00e0, l&rsquo;adh\u00e9rent et l&rsquo;entreprise se r\u00e9partissent \u00e0 parts \u00e0 peu pr\u00e8s \u00e9gales les frais d&rsquo;adh\u00e9sion, soit 11,36 \u20ac. <br><img decoding=\"async\" class=\"alignnone wp-image-60421 size-full\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2025\/06\/isc-2025.png\" alt=\"ISC FONDAPI \" width=\"637\" height=\"425\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2025\/06\/isc-2025.png 637w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2025\/06\/isc-2025-300x200.png 300w\" sizes=\"(max-width: 637px) 100vw, 637px\" \/><\/p><div class=\"mceTemp\">L&rsquo;ISC de Fondapi compar\u00e9 au co\u00fbt moyen des autres fonds ferm\u00e9s, ouverts et PIP<\/div>\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-f4edb08 e-con-full e-flex e-con e-child\" data-id=\"f4edb08\" 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-9be6071 elementor-widget elementor-widget-heading\" data-id=\"9be6071\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Les co\u00fbts de Fondapi\n<\/h2>\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-61d99a6 e-flex e-con-boxed e-con e-parent\" data-id=\"61d99a6\" 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-2f769bb elementor-widget elementor-widget-html\" data-id=\"2f769bb\" 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-5d7b7fd3 e-con-full e-flex e-con e-parent\" data-id=\"5d7b7fd3\" 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-310873a e-con-full e-flex e-con e-child\" data-id=\"310873a\" 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-4086b6d e-con-full e-flex e-con e-child\" data-id=\"4086b6d\" 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-b80a515 elementor-widget elementor-widget-heading\" data-id=\"b80a515\" 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\">Combien d'argent \u00eates-vous en train de refuser ?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aafd641 elementor-widget elementor-widget-heading\" data-id=\"aafd641\" 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\">D\u00e9couvrez-le avec notre simulateur. C'est gratuit ! \n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9860fa9 e-flex e-con-boxed e-con e-child\" data-id=\"9860fa9\" 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-f1dd5c2 elementor-widget elementor-widget-button\" data-id=\"f1dd5c2\" 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\/fr\/comment-ca-fonctionne\/cotisation-employeur\/\">\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\">Calculez maintenant !<\/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-ab02820 elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"ab02820\" 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 class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demandez une 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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home comment \u00e7a fonctionne Lorsqu&rsquo;il s&rsquo;agit de choisir une source d&rsquo;investissement, les co\u00fbts repr\u00e9sentent naturellement un \u00e9l\u00e9ment fondamental dans le processus de d\u00e9cision d&rsquo;un individu. Pr\u00e9cis\u00e9ment parce que la transparence est l&rsquo;une des valeurs fondamentales de Fondapi, nous offrons donc un outil qui permet une comparaison directe entre les diff\u00e9rentes options disponibles. Avant de comparer [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61287,"menu_order":15,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-60967","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>Co\u00fbts - Fondapi<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez les co\u00fbts de mani\u00e8re transparente : frais d&#039;adh\u00e9sion, de gestion et d&#039;administration. Tout ce que vous devez savoir pour \u00e9valuer votre fonds de pension en toute clart\u00e9.\" \/>\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\/fr\/comment-ca-fonctionne\/couts\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Co\u00fbts - Fondapi\" \/>\n<meta property=\"og:description\" content=\"D\u00e9couvrez les co\u00fbts de mani\u00e8re transparente : frais d&#039;adh\u00e9sion, de gestion et d&#039;administration. Tout ce que vous devez savoir pour \u00e9valuer votre fonds de pension en toute clart\u00e9.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/\" \/>\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=\"2025-11-12T07:49:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1335\" \/>\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=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\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\/fr\/comment-ca-fonctionne\/couts\/\",\"url\":\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/\",\"name\":\"Co\u00fbts - Fondapi\",\"isPartOf\":{\"@id\":\"https:\/\/www.fondapi.it\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp\",\"datePublished\":\"2024-06-19T12:43:56+00:00\",\"dateModified\":\"2025-11-12T07:49:28+00:00\",\"description\":\"D\u00e9couvrez les co\u00fbts de mani\u00e8re transparente : frais d'adh\u00e9sion, de gestion et d'administration. Tout ce que vous devez savoir pour \u00e9valuer votre fonds de pension en toute clart\u00e9.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/#primaryimage\",\"url\":\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp\",\"contentUrl\":\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.fondapi.it\/fr\/accueil\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Comment \u00e7a fonctionne\",\"item\":\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Co\u00fbts\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fondapi.it\/fr\/#website\",\"url\":\"https:\/\/www.fondapi.it\/fr\/\",\"name\":\"Fondapi\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.fondapi.it\/fr\/#organization\"},\"alternateName\":\"Fondapi Fondo pensione integrativa\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fondapi.it\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fondapi.it\/fr\/#organization\",\"name\":\"Fondapi - Fondo nazionale pensione complementare\",\"alternateName\":\"Fondapi Fondo pensione integrativa\",\"url\":\"https:\/\/www.fondapi.it\/fr\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.fondapi.it\/fr\/#\/schema\/logo\/image\/\",\"url\":\"\",\"contentUrl\":\"\",\"caption\":\"Fondapi - Fondo nazionale pensione complementare\"},\"image\":{\"@id\":\"https:\/\/www.fondapi.it\/fr\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/pages\/Scegli-Fondapi\/111620682275544?fref=ts\",\"https:\/\/x.com\/fondapi\",\"https:\/\/www.linkedin.com\/company\/18497131\",\"https:\/\/www.youtube.com\/user\/Fondapi\",\"https:\/\/www.instagram.com\/fondapi.it\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Co\u00fbts - Fondapi","description":"D\u00e9couvrez les co\u00fbts de mani\u00e8re transparente : frais d'adh\u00e9sion, de gestion et d'administration. Tout ce que vous devez savoir pour \u00e9valuer votre fonds de pension en toute clart\u00e9.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/","og_locale":"fr_FR","og_type":"article","og_title":"Co\u00fbts - Fondapi","og_description":"D\u00e9couvrez les co\u00fbts de mani\u00e8re transparente : frais d'adh\u00e9sion, de gestion et d'administration. Tout ce que vous devez savoir pour \u00e9valuer votre fonds de pension en toute clart\u00e9.","og_url":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/","og_site_name":"Fondapi","article_publisher":"https:\/\/www.facebook.com\/pages\/Scegli-Fondapi\/111620682275544?fref=ts","article_modified_time":"2025-11-12T07:49:28+00:00","og_image":[{"width":1335,"height":2000,"url":"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_site":"@fondapi","twitter_misc":{"Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/","url":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/","name":"Co\u00fbts - Fondapi","isPartOf":{"@id":"https:\/\/www.fondapi.it\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/#primaryimage"},"image":{"@id":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp","datePublished":"2024-06-19T12:43:56+00:00","dateModified":"2025-11-12T07:49:28+00:00","description":"D\u00e9couvrez les co\u00fbts de mani\u00e8re transparente : frais d'adh\u00e9sion, de gestion et d'administration. Tout ce que vous devez savoir pour \u00e9valuer votre fonds de pension en toute clart\u00e9.","breadcrumb":{"@id":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/#primaryimage","url":"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp","contentUrl":"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp"},{"@type":"BreadcrumbList","@id":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.fondapi.it\/fr\/accueil\/"},{"@type":"ListItem","position":2,"name":"Comment \u00e7a fonctionne","item":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/"},{"@type":"ListItem","position":3,"name":"Co\u00fbts"}]},{"@type":"WebSite","@id":"https:\/\/www.fondapi.it\/fr\/#website","url":"https:\/\/www.fondapi.it\/fr\/","name":"Fondapi","description":"","publisher":{"@id":"https:\/\/www.fondapi.it\/fr\/#organization"},"alternateName":"Fondapi Fondo pensione integrativa","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fondapi.it\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.fondapi.it\/fr\/#organization","name":"Fondapi - Fondo nazionale pensione complementare","alternateName":"Fondapi Fondo pensione integrativa","url":"https:\/\/www.fondapi.it\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.fondapi.it\/fr\/#\/schema\/logo\/image\/","url":"","contentUrl":"","caption":"Fondapi - Fondo nazionale pensione complementare"},"image":{"@id":"https:\/\/www.fondapi.it\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/pages\/Scegli-Fondapi\/111620682275544?fref=ts","https:\/\/x.com\/fondapi","https:\/\/www.linkedin.com\/company\/18497131","https:\/\/www.youtube.com\/user\/Fondapi","https:\/\/www.instagram.com\/fondapi.it\/"]}]}},"_links":{"self":[{"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/pages\/60967","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/comments?post=60967"}],"version-history":[{"count":3,"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/pages\/60967\/revisions"}],"predecessor-version":[{"id":61305,"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/pages\/60967\/revisions\/61305"}],"up":[{"embeddable":true,"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/pages\/61287"}],"wp:attachment":[{"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/media?parent=60967"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}