{"id":61332,"date":"2024-06-14T11:25:08","date_gmt":"2024-06-14T09:25:08","guid":{"rendered":"https:\/\/www.fondapi.it\/fondapi\/quest-ce-que-fondapi\/"},"modified":"2025-11-27T09:20:56","modified_gmt":"2025-11-27T08:20:56","slug":"quest-ce-que-fondapi","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/fr\/fondapi\/quest-ce-que-fondapi\/","title":{"rendered":"Qu&rsquo;est-ce que Fondapi"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"61332\" class=\"elementor elementor-61332 elementor-1195\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-653d948 e-flex e-con-boxed e-con e-parent\" data-id=\"653d948\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-dc41a10 e-flex e-con-boxed e-con e-child\" data-id=\"dc41a10\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58908fc elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"58908fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.fondapi.it\/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-30db121 elementor-widget elementor-widget-html\" data-id=\"30db121\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>document.addEventListener(\"DOMContentLoaded\", function() {\n  var observer = new MutationObserver(function(mutations) {\n    mutations.forEach(function(mutation) {\n      var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n      if (link) {\n        link.addEventListener(\"click\", function(event) {\n          event.preventDefault();\n        });\n      }\n    });\n  });\n\n  observer.observe(document.body, { childList: true, subtree: true });\n\n  var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n  if (link) {\n    link.addEventListener(\"click\", function(event) {\n      event.preventDefault();\n    });\n  }\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-256d4b4 e-flex e-con-boxed e-con e-child\" data-id=\"256d4b4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9257370 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"9257370\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Fondapi<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa4006a e-flex e-con-boxed e-con e-parent\" data-id=\"fa4006a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-893b52a e-con-full e-flex e-con e-child\" data-id=\"893b52a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f7481b1 elementor-widget elementor-widget-text-editor\" data-id=\"f7481b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fondapi est le <strong>fonds de pension<\/strong> compl\u00e9mentaire <strong>n\u00e9goci\u00e9<\/strong> pour les <strong>travailleurs et<\/strong> les <strong>travailleuses<\/strong> des <strong>petites et moyennes entreprises<\/strong> italiennes.&nbsp;<\/p>\n<p>Fondapi est n\u00e9 \u00e0 la fin des ann\u00e9es 90 sous l&rsquo;impulsion de Confapi, CGIL, CISL et UIL avec pour seul <strong>objectif<\/strong> de <strong>compl\u00e9ter la pension publique<\/strong> (INPS) des travailleurs adh\u00e9rents \u00e0 travers un syst\u00e8me de pr\u00e9voyance compl\u00e9mentaire et volontaire.<\/p>\n<h2>Qui peut adh\u00e9rer \u00e0 Fondapi ?<\/h2>\n<div>Peuvent adh\u00e9rer \u00e0 Fondapi les travailleurs et travailleuses salari\u00e9s des entreprises qui appliquent l&rsquo;une des <strong>Conventions Collectives Nationales du Travail (CCNL)<\/strong> suivantes :<\/div>\n<ul>\n<li>M\u00e9tallurgie ;<\/li>\n<li>Chimie ;<\/li>\n<li>Plastique et Caoutchouc ;<\/li>\n<li>Verre ;<\/li>\n<li>C\u00e9ramique ;<\/li>\n<li>Textile ;<\/li>\n<li>Alimentaire ;<\/li>\n<li>Graphique &#8211; Cartographique ;<\/li>\n<li>Informatique &#8211; Services innovants ;&nbsp;<\/li>\n<li>Multiservices &#8211; Services aux entreprises ;<\/li>\n<li>B\u00e2timent ;<\/li>\n<li>Briques et Ciment ;<\/li>\n<li>Chaux et Pl\u00e2tre ;<\/li>\n<li>Lapidaire.&nbsp;<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e9892f elementor-widget elementor-widget-button\" data-id=\"2e9892f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fondapi.it\/fr\/ccnl-metallurgie\/\">\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\">La CCNL M\u00e9tallurgie<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f58ae9e e-con-full e-flex e-con e-child\" data-id=\"f58ae9e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d86ef4 elementor-widget elementor-widget-image\" data-id=\"7d86ef4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/cose.webp\" class=\"attachment-full size-full wp-image-60719\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/cose.webp 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/cose-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/cose-682x1024.webp 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/cose-768x1152.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/cose-1024x1536.webp 1024w\" sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-de45f33 e-flex e-con-boxed e-con e-parent\" data-id=\"de45f33\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b59219a e-con-full e-flex e-con e-child\" data-id=\"b59219a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65fd22e elementor-widget elementor-widget-text-editor\" data-id=\"65fd22e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Comment Fondapi est-il g\u00e9r\u00e9 ?<\/h3><div>Fondapi est administr\u00e9 par un Conseil d&rsquo;administration paritaire compos\u00e9 des repr\u00e9sentants des travailleurs et travailleuses associ\u00e9s (CGIL, CISL et UIL) et des repr\u00e9sentants des entreprises cotisantes (Confapi).<\/div><div>\u00a0<\/div><h3>Pourquoi adh\u00e9rer \u00e0 un fonds de pension comme Fondapi ?<\/h3><p>Adh\u00e9rer \u00e0 Fondapi vous permettra de constituer une pension compl\u00e9mentaire qui s&rsquo;ajoutera \u00e0 votre pension publique INPS.<strong> Au cours de ce parcours, vous pourrez b\u00e9n\u00e9ficier de nombreux avantages \u00e9conomiques et fiscaux :<\/strong><\/p><ul><li><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/cotisation-employeur\/\">Contribution suppl\u00e9mentaire \u00e0 la charge de l&rsquo;entreprise<\/a><\/span> ;<\/li><li><a href=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/avantages-fiscaux\/\"><span style=\"text-decoration: underline;\">D\u00e9duction fiscale des cotisations vers\u00e9es au Fonds<\/span><\/a> ;<\/li><li><a href=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/rachat-du-fonds-de-pension\/\"><span style=\"text-decoration: underline;\">Imposition avantageuse au moment de la liquidation<\/span><\/a> ;<\/li><li><a href=\"https:\/\/www.fondapi.it\/fr\/investissement\/comparaison-adherent-non-adherent\/\"><span style=\"text-decoration: underline;\">Rendements potentiellement plus \u00e9lev\u00e9s que la revalorisation du TFR en entreprise<\/span><\/a>.<\/li><\/ul><h3>Comment fonctionne l&rsquo;adh\u00e9sion \u00e0 un fonds de pension comme Fondapi ?<\/h3><p>Celui qui adh\u00e8re \u00e0 Fondapi choisit de <strong>destiner<\/strong> au moins son <strong>TFR<\/strong> (Indemnit\u00e9 de Fin de Rapport) au Fonds plut\u00f4t que de le laisser dans l&rsquo;entreprise.<\/p><p>Un <strong>avantage exclusif<\/strong> de Fondapi est la possibilit\u00e9 de verser une cotisation mensuelle volontaire (directement sur la fiche de paie) et d&rsquo;obtenir ainsi la <strong>contribution suppl\u00e9mentaire de l&rsquo;entreprise<\/strong>.<\/p><p>Ce m\u00e9canisme vous permet de cr\u00e9er une pension compl\u00e9mentaire \u00e0 partir de quelques euros par mois.<\/p><h3>Comment sont g\u00e9r\u00e9es les sommes vers\u00e9es \u00e0 Fondapi ?<\/h3><p>Les cotisations vers\u00e9es \u00e0 Fondapi (TFR, cotisation volontaire et contribution de l&rsquo;entreprise) sont investies dans le compartiment d&rsquo;investissement que vous avez choisi lors de l&rsquo;adh\u00e9sion.<\/p><p>Pour plus de d\u00e9tails sur les compartiments et pour comprendre lequel est le meilleur pour vous, <strong><a href=\"https:\/\/www.fondapi.it\/fr\/investissement\/comment-choisir-le-compartiment\/\"><span style=\"text-decoration: underline;\">visitez la page d\u00e9di\u00e9e<\/span><\/a><\/strong>.<\/p><h3>Si je m&rsquo;inscris \u00e0 un fonds de pension comme Fondapi, suis-je li\u00e9 jusqu&rsquo;\u00e0 la retraite ?<\/h3><p>Non, Fondapi vous engage moins que ce que vous pensez. Vous pourrez retirer les sommes :<\/p><ul><li><strong>au moment<\/strong> de la retraite (en capital, en rente ou sous forme mixte) ;<\/li><li><strong>avant la retraite<\/strong> si vous changez d&#8217;emploi et que la nouvelle entreprise n&rsquo;applique pas une CCNL qui pr\u00e9voit Fondapi.<\/li><\/ul><p>De plus, comme c&rsquo;est le cas en entreprise, vous pourrez <strong>demander des avances<\/strong> sur le capital que vous avez accumul\u00e9 :<\/p><ul><li><strong>frais m\u00e9dicaux<\/strong> pour vous ou vos proches &#8211; sans condition d&rsquo;anciennet\u00e9 &#8211; jusqu&rsquo;\u00e0 75 % du montant accumul\u00e9 ;<\/li><li><strong>achat<\/strong> ou <strong>r\u00e9novation de la r\u00e9sidence principale<\/strong> pour vous ou vos enfants &#8211; apr\u00e8s 8 ans d&rsquo;adh\u00e9sion &#8211; jusqu&rsquo;\u00e0 75 % du montant accumul\u00e9 ;<\/li><li><strong>d\u00e9penses sans justification<\/strong> &#8211; apr\u00e8s 8 ans d&rsquo;adh\u00e9sion &#8211; jusqu&rsquo;\u00e0 30 % du montant accumul\u00e9.<\/li><\/ul><h3>Comment sont impos\u00e9es les prestations vers\u00e9es par Fondapi ?<\/h3><p>Fondapi verse de nombreuses prestations. Les plus courantes sont :<\/p><ul><li>le <strong>rachat pour perte des conditions<\/strong> de participation (suite \u00e0 un licenciement ou une d\u00e9mission). Impos\u00e9 avec un taux forfaitaire de substitution \u00e0 l&rsquo;IRPEF de 23 % ;<\/li><li>la <strong>prestation de retraite<\/strong> impos\u00e9e entre 15 % et 9 % selon le nombre d&rsquo;ann\u00e9es d&rsquo;adh\u00e9sion ;<\/li><li>les <strong>avances<\/strong> pour la <strong>r\u00e9sidence principale et les besoins sans justification<\/strong> impos\u00e9es \u00e0 23 % fixe ;<\/li><li>les avances pour les <strong>frais m\u00e9dicaux<\/strong> impos\u00e9es entre 15 % et 9 % selon le nombre d&rsquo;ann\u00e9es d&rsquo;adh\u00e9sion.<\/li><\/ul><h3>Combien co\u00fbte l&rsquo;adh\u00e9sion \u00e0 Fondapi ?<\/h3><p>Fondapi est un organisme \u00e0 but non lucratif. Par cons\u00e9quent, il y a des <strong>frais fixes minimaux<\/strong> et des commissions de gestion tr\u00e8s basses. <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/couts\/\">Visitez la page sur les co\u00fbts pour plus d&rsquo;informations<\/a><\/span><\/strong> ou t\u00e9l\u00e9chargez la <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fondapi.it\/documenti\/i-costi\/\">fiche \u00ab\u00a0Les Co\u00fbts\u00a0\u00bb<\/a><\/span> de la Notice d&rsquo;Information.<\/p><h3>Comment s&rsquo;inscrire \u00e0 Fondapi ?<\/h3><p>Pour adh\u00e9rer, imprimez le formulaire ou remplissez l&rsquo;adh\u00e9sion en ligne. <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/modalites-dadhesion\/\">Visitez cette page pour commencer l&rsquo;adh\u00e9sion. <\/a><\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a27c86 e-flex e-con-boxed e-con e-parent\" data-id=\"1a27c86\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5183521 elementor-widget elementor-widget-html\" data-id=\"5183521\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async=\"\"><\/script>\n<div class=\"trustpilot-widget\" data-locale=\"it-IT\" data-template-id=\"54ad5defc6454f065c28af8b\" data-businessunit-id=\"636d0a1b79e3f339e1d60a3b\" data-style-height=\"240px\" data-style-width=\"100%\" data-theme=\"light\" data-stars=\"1,2,3,4,5\" data-review-languages=\"it\" data-font-family=\"Lato\" data-text-color=\"#000000\">\n  <a href=\"https:\/\/it.trustpilot.com\/review\/fondapi.it\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04be12b elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"04be12b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Fondapi Fondapi est le fonds de pension compl\u00e9mentaire n\u00e9goci\u00e9 pour les travailleurs et les travailleuses des petites et moyennes entreprises italiennes.&nbsp; Fondapi est n\u00e9 \u00e0 la fin des ann\u00e9es 90 sous l&rsquo;impulsion de Confapi, CGIL, CISL et UIL avec pour seul objectif de compl\u00e9ter la pension publique (INPS) des travailleurs adh\u00e9rents \u00e0 travers un [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61267,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-61332","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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