{"id":61373,"date":"2024-06-14T14:56:09","date_gmt":"2024-06-14T12:56:09","guid":{"rendered":"https:\/\/www.fondapi.it\/fondapi\/votre-retraite-complementaire\/"},"modified":"2025-11-28T11:07:28","modified_gmt":"2025-11-28T10:07:28","slug":"votre-retraite-complementaire","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/fr\/fondapi\/votre-retraite-complementaire\/","title":{"rendered":"Votre retraite compl\u00e9mentaire"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"61373\" class=\"elementor elementor-61373 elementor-1269\" 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-f26bc70 elementor-widget elementor-widget-heading\" data-id=\"f26bc70\" 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\"><strong>La retraite compl\u00e9mentaire est une forme d'\u00e9pargne retraite<\/strong> ; s'ajoutant \u00e0 la retraite INPS (dite du premier pilier), elle constitue une <strong>seconde source de revenus pendant l'\u00e2ge de la retraite<\/strong> et repr\u00e9sente donc le deuxi\u00e8me pilier du syst\u00e8me de retraite italien.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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>L&rsquo;objectif, compte tenu de la baisse progressive de la pension INPS, est de contribuer au <strong>maintien d&rsquo;un niveau de vie ad\u00e9quat<\/strong> m\u00eame apr\u00e8s la retraite. Compte tenu de sa fonction sociale, l&rsquo;\u00e9pargne s&rsquo;effectue sous <strong>r\u00e9gime prot\u00e9g\u00e9<\/strong> et b\u00e9n\u00e9ficie d&rsquo;<strong>avantages fiscaux<\/strong>. <\/p><p>Une mention particuli\u00e8re revient \u00e9galement \u00e0 la <strong>R.I.T.A.<\/strong> (Rente Int\u00e9grative Temporaire Anticip\u00e9e), qui permet au travailleur de partir \u00e0 la retraite avant d&rsquo;avoir atteint les conditions requises pour la pension.<\/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-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=\"1335\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa.webp\" class=\"attachment-full size-full wp-image-60759\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa.webp 1335w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-684x1024.webp 684w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-768x1151.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-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-103b38e elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"103b38e\" 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-f93bf61 e-flex e-con-boxed e-con e-parent\" data-id=\"f93bf61\" 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-ec3cc33 e-con-full e-flex e-con e-child\" data-id=\"ec3cc33\" 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-9e30085 elementor-widget elementor-widget-image\" data-id=\"9e30085\" 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=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/previdenza-complementare.webp\" class=\"attachment-full size-full wp-image-61374\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/previdenza-complementare.webp 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/previdenza-complementare-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/previdenza-complementare-682x1024.webp 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/previdenza-complementare-768x1152.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/previdenza-complementare-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<div class=\"elementor-element elementor-element-be4738e e-con-full e-flex e-con e-child\" data-id=\"be4738e\" 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-ae44d9d elementor-widget elementor-widget-heading\" data-id=\"ae44d9d\" 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\">Comment na\u00eet <span style=\"color: #3997B9\">la pr\u00e9voyance compl\u00e9mentaire<\/span> et le besoin d'une <span style=\"color: #3997B9\">retraite compl\u00e9mentaire<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e71ef9 elementor-widget elementor-widget-text-editor\" data-id=\"5e71ef9\" 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>Du syst\u00e8me par r\u00e9partition au syst\u00e8me par capitalisation.<\/strong><\/p><p>Le r\u00e9gime de retraite public italien fonctionne selon le syst\u00e8me de <strong>r\u00e9partition<\/strong> : cela signifie que <strong>les retraites d&rsquo;aujourd&rsquo;hui sont pay\u00e9es par les travailleurs actuellement en activit\u00e9<\/strong> ; leurs retraites seront pay\u00e9es, \u00e0 leur tour, par les futurs travailleurs actifs : c&rsquo;est ce qu&rsquo;on appelle le <strong>\u00ab pacte interg\u00e9n\u00e9rationnel \u00bb<\/strong>, actif depuis les ann\u00e9es 70.<\/p><p>L&rsquo;<strong>\u00e9volution d\u00e9mographique italienne<\/strong>, caract\u00e9ris\u00e9e par une <strong>diminution constante des naissances<\/strong> et par l&rsquo;<strong>augmentation de l&rsquo;\u00e2ge moyen<\/strong>, a d&rsquo;un c\u00f4t\u00e9 <strong>diminu\u00e9 le nombre de travailleurs<\/strong>, et de l&rsquo;autre <strong>augment\u00e9 le nombre d&rsquo;ayants droit \u00e0 la retraite<\/strong>. In\u00e9vitablement, cela a cr\u00e9\u00e9 un <strong>d\u00e9ficit consid\u00e9rable dans le budget de l&rsquo;\u00c9tat italien<\/strong>, contraint de s&rsquo;endetter pour payer les retraites. <\/p><p>Au fil des ann\u00e9es ont donc \u00e9t\u00e9 introduites de <strong>nombreuses r\u00e9formes du syst\u00e8me de retraite<\/strong> qui, tout en ayant garanti sa <strong>viabilit\u00e9 \u00e9conomique<\/strong>, ont en m\u00eame temps de plus en plus <strong>\u00e9rod\u00e9 la pension<\/strong> des futurs retrait\u00e9s ; le passage au <strong>syst\u00e8me contributif<\/strong>, qui p\u00e9nalise davantage le montant de la pension, s&rsquo;est fait pr\u00e9cis\u00e9ment pour cette raison.<\/p><p>La pr\u00e9voyance compl\u00e9mentaire a \u00e9t\u00e9 con\u00e7ue comme <strong>soutien<\/strong> de la pr\u00e9voyance obligatoire. Il s&rsquo;agit d&rsquo;un syst\u00e8me r\u00e9alisable sur base volontaire qui permet d&rsquo;obtenir une <strong>retraite compl\u00e9mentaire<\/strong>, avec l&rsquo;objectif de garantir un niveau de vie futur ad\u00e9quat.<br>En outre, le l\u00e9gislateur a introduit la <strong>possibilit\u00e9 de recourir aux sommes accumul\u00e9es \u00e9galement pour des besoins particuliers<\/strong> qui peuvent survenir pendant la carri\u00e8re et la vie d&rsquo;une personne : par exemple, il est possible de demander des <strong>avances<\/strong> lors de la survenance de certaines conditions, ou des <strong>rachats totaux ou partiels<\/strong> lors de la survenance d&rsquo;autres. <\/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-5060ca7 elementor-widget elementor-widget-button\" data-id=\"5060ca7\" 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\/adhesion-des-travailleurs\/calcul-de-la-retraite\/\">\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\">Simulez votre retraite compl\u00e9mentaire<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bdd98a elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"6bdd98a\" 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-319a0f2 e-flex e-con-boxed e-con e-parent\" data-id=\"319a0f2\" 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-c1c1239 e-con-full e-flex e-con e-child\" data-id=\"c1c1239\" 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-8fdd7a5 elementor-widget elementor-widget-heading\" data-id=\"8fdd7a5\" 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\">Comment se constitue <br><span style=\"color: #3997B9\">la retraite compl\u00e9mentaire<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6bdeb0 elementor-widget elementor-widget-text-editor\" data-id=\"b6bdeb0\" 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>Les fonds de pension op\u00e8rent sur les march\u00e9s financiers selon le m\u00e9canisme de la <strong>\u00ab capitalisation \u00bb<\/strong> : par l&rsquo;interm\u00e9diaire des entreprises et des travailleurs, ils <strong>collectent les cotisations<\/strong> \u00e0 \u00e9ch\u00e9ances pr\u00e9d\u00e9finies et les investissent selon la <strong>ligne de gestion (compartiment)<\/strong> choisie par l&rsquo;adh\u00e9rent.<\/p><p>\u00c0 l&rsquo;atteinte des conditions requises pour la retraite, le <strong>capital accumul\u00e9<\/strong> (donn\u00e9 par la somme des cotisations vers\u00e9es et des rendements obtenus) est <strong>vers\u00e9 sous forme de retraite compl\u00e9mentaire<\/strong> en capital ; la liquidation peut, sp\u00e9cifiquement, \u00eatre vers\u00e9e en une seule tranche ou en rente (on parle dans ce cas de liquidation en versements).<\/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-e57f9b9 e-flex e-con-boxed e-con e-parent\" data-id=\"e57f9b9\" 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-43a5679 e-con-full e-flex e-con e-child\" data-id=\"43a5679\" 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-59a5b5f elementor-widget elementor-widget-heading\" data-id=\"59a5b5f\" 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\">Les types de fonds de pension\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94cb371 elementor-widget elementor-widget-text-editor\" data-id=\"94cb371\" 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>Le fonds de pension, comme son nom l&rsquo;indique, est l&rsquo;instrument con\u00e7u et pens\u00e9 pour se constituer une retraite compl\u00e9mentaire.<br>En Italie, il existe <strong>trois types diff\u00e9rents de fonds de pension<\/strong> : voici lesquels et comment choisir celui le plus adapt\u00e9 \u00e0 ses besoins.<\/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-8a09fa7 e-con-full e-flex e-con e-child\" data-id=\"8a09fa7\" 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-37b8b1c e-con-full e-flex e-con e-child\" data-id=\"37b8b1c\" 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-805b7e7 e-flex e-con-boxed e-con e-child\" data-id=\"805b7e7\" 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-e84122b elementor-widget elementor-widget-heading\" data-id=\"e84122b\" 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\">Fonds de pension n\u00e9goci\u00e9s (ou ferm\u00e9s)<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad46ad8 elementor-widget elementor-widget-text-editor\" data-id=\"ad46ad8\" 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>Parmi ceux-ci figure <strong>Fondapi<\/strong> : l&rsquo;adh\u00e9sion \u00e0 ces fonds est <strong>r\u00e9serv\u00e9e exclusivement \u00e0 des cat\u00e9gories sp\u00e9cifiques<\/strong> de travailleurs et na\u00eet de l&rsquo;<strong>accord entre associations de cat\u00e9gorie<\/strong> et <strong>repr\u00e9sentants des travailleurs<\/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-466c098 e-con-full e-flex e-con e-child\" data-id=\"466c098\" 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-daa4db6 e-flex e-con-boxed e-con e-child\" data-id=\"daa4db6\" 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-62af6bf elementor-widget elementor-widget-heading\" data-id=\"62af6bf\" 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\">Fonds de pension ouverts<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a60dda elementor-widget elementor-widget-text-editor\" data-id=\"6a60dda\" 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>Comme son nom l&rsquo;indique, l&rsquo;adh\u00e9sion \u00e0 ce type est ouverte \u00e0 tous ceux qui entendent se constituer une retraite compl\u00e9mentaire, ind\u00e9pendamment de la cat\u00e9gorie du contrat de travail ; ils sont <strong>institu\u00e9s principalement par des banques et des compagnies d&rsquo;assurance<\/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-71092a8 e-con-full e-flex e-con e-child\" data-id=\"71092a8\" 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-ba6ca72 e-flex e-con-boxed e-con e-child\" data-id=\"ba6ca72\" 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-b6d0c4f elementor-widget elementor-widget-heading\" data-id=\"b6d0c4f\" 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\">PIP (Plans Individuels de Retraite)<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffcb05e elementor-widget elementor-widget-text-editor\" data-id=\"ffcb05e\" 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>Ils s&rsquo;adressent \u00e0 tous ceux qui, ind\u00e9pendamment de leur situation professionnelle, entendent se constituer une retraite compl\u00e9mentaire ; de plus, ils sont <strong>institu\u00e9s uniquement par des compagnies d&rsquo;assurance<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-94af488 e-con-full e-flex e-con e-child\" data-id=\"94af488\" 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-c510d74 elementor-widget elementor-widget-button\" data-id=\"c510d74\" 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\/fondapi\/quest-ce-que-fondapi\/\">\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\">D\u00e9couvrez qui peut adh\u00e9rer<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-989a13d e-flex e-con-boxed e-con e-parent\" data-id=\"989a13d\" 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-c26edc6 e-con-full e-flex e-con e-child\" data-id=\"c26edc6\" 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-1b1fdd6 elementor-widget elementor-widget-text-editor\" data-id=\"1b1fdd6\" 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>La diff\u00e9rence entre ces types de fonds est principalement li\u00e9e \u00e0 leur <strong>co\u00fbt<\/strong> ; les fonds de pension n\u00e9goci\u00e9s (li\u00e9s \u00e0 la CCN) ont en moyenne des <strong>co\u00fbts inf\u00e9rieurs<\/strong> aux deux autres types : cela parce que par statut ils sont des <strong>soci\u00e9t\u00e9s <em>sans but lucratif<\/em><\/strong>, c&rsquo;est-\u00e0-dire qui <strong>ne doivent pas g\u00e9n\u00e9rer de profits et r\u00e9mun\u00e9rer les actionnaires<\/strong>.<\/p><p>En m\u00eame temps, les <strong>co\u00fbts li\u00e9s \u00e0 la promotion du Fonds<\/strong> sont <strong>r\u00e9duits<\/strong> et les <strong>sujets engag\u00e9s<\/strong> dans la promotion sur le territoire sont les <strong>syndicats<\/strong>.<\/p><p>Enfin, derni\u00e8re grande diff\u00e9rence, c&rsquo;est la composition du <strong>Conseil d&rsquo;Administration<\/strong> (CA) : dans les fonds de cat\u00e9gorie, il est compos\u00e9 \u00e0 parts \u00e9gales de repr\u00e9sentants des travailleurs (CGIL, CISL et UIL) et de repr\u00e9sentants des entreprises (CONFAPI dans le cas de Fondapi).<\/p><p>Dans l&rsquo;image, nous rapportons l&rsquo;<strong>Indice Synth\u00e9tique des Co\u00fbts moyen<\/strong> (ISC) des diverses formes de retraite compl\u00e9mentaire. La m\u00eame autorit\u00e9 de surveillance a estim\u00e9 qu&rsquo;un ISC de 2 % au lieu de 1 % peut r\u00e9duire le capital accumul\u00e9 apr\u00e8s 35 ans d&rsquo;environ 18 %, par exemple, le r\u00e9duisant de 100 000 \u00e0 82 000 euros.<\/p><p>L&rsquo;ISC de Fondapi compar\u00e9 \u00e0 la moyenne de co\u00fbt des autres fonds ferm\u00e9s, ouverts et PIP<br>L&rsquo;image rapporte de mani\u00e8re exhaustive tous les co\u00fbts de Fondapi. Un <strong>d\u00e9tail plus important<\/strong> sur les co\u00fbts des op\u00e9rations ou prestations se trouve sur la <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/documenti\/i-costi\/\">Fiche \u00ab Les co\u00fbts \u00bb<\/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<div class=\"elementor-element elementor-element-afdd575 e-con-full e-flex e-con e-child\" data-id=\"afdd575\" 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-72057d0 elementor-widget elementor-widget-image\" data-id=\"72057d0\" 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=\"637\" height=\"425\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2025\/06\/isc-2025.png\" class=\"attachment-full size-full wp-image-61375\" alt=\"\" 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\" \/>\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-9406d0c elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"9406d0c\" 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-e9c368d e-flex e-con-boxed e-con e-parent\" data-id=\"e9c368d\" 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-f323047 e-con-full e-flex e-con e-child\" data-id=\"f323047\" 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-8810a95 elementor-widget elementor-widget-heading\" data-id=\"8810a95\" 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\">Les <span style=\"color: #3997B9\">avantages de l'adh\u00e9sion<\/span> \u00e0 la pr\u00e9voyance compl\u00e9mentaire<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b13b6c elementor-widget elementor-widget-text-editor\" data-id=\"5b13b6c\" 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>Pour une liste exhaustive des avantages li\u00e9s \u00e0 la pr\u00e9voyance compl\u00e9mentaire, nous invitons \u00e0 consulter la page relative aux avantages, <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/\">disponible ici<\/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<div class=\"elementor-element elementor-element-150b47b e-con-full e-flex e-con e-child\" data-id=\"150b47b\" 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-91d66a7 e-con-full e-flex e-con e-child\" data-id=\"91d66a7\" 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-1f27759 e-flex e-con-boxed e-con e-child\" data-id=\"1f27759\" 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-a09c2a5 elementor-widget elementor-widget-heading\" data-id=\"a09c2a5\" 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\u00e9ductibilit\u00e9<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db135ec elementor-widget elementor-widget-text-editor\" data-id=\"db135ec\" 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>D\u00e9ductibilit\u00e9 des cotisations vers\u00e9es \u00e0 la retraite compl\u00e9mentaire jusqu&rsquo;\u00e0 <strong>5 164,57 \u20ac par an<\/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-9ee6cf5 e-con-full e-flex e-con e-child\" data-id=\"9ee6cf5\" 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-13788a0 e-flex e-con-boxed e-con e-child\" data-id=\"13788a0\" 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-b3e99c7 elementor-widget elementor-widget-heading\" data-id=\"b3e99c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Taxation<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9930d67 elementor-widget elementor-widget-text-editor\" data-id=\"9930d67\" 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>Taxation IRPEF de l&rsquo;indemnit\u00e9 de fin de carri\u00e8re et des cotisations<\/strong> vers\u00e9es au fonds de pension <strong>pr\u00e9f\u00e9rentielle<\/strong>, \u00e9gale au maximum \u00e0 23 % pour les rachats avant la retraite, et <strong>entre 15 % et 9 %<\/strong> (selon l&rsquo;anciennet\u00e9 d&rsquo;inscription) pour les <strong>liquidations cons\u00e9cutives au d\u00e9part \u00e0 la retraite<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83251b5 elementor-button-info elementor-widget elementor-widget-button\" data-id=\"83251b5\" 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\/avantages-fiscaux\/\">\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\">D\u00e9couvrez les avantages fiscaux<\/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-34452a1 e-con-full e-flex e-con e-child\" data-id=\"34452a1\" 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-e9ec360 e-flex e-con-boxed e-con e-child\" data-id=\"e9ec360\" 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-4bcbce0 elementor-widget elementor-widget-heading\" data-id=\"4bcbce0\" 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\">Cotisation patronale<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-269bb15 elementor-widget elementor-widget-text-editor\" data-id=\"269bb15\" 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>Cotisation patronale : consiste en un versement de la part de l&rsquo;entreprise d&rsquo;une <strong>cotisation suppl\u00e9mentaire<\/strong> totalement \u00e0 sa charge, ce versement revient de droit au travailleur seulement en cas d&rsquo;adh\u00e9sion \u00e0 des fonds n\u00e9goci\u00e9s et de versement de la cotisation sur fiche de paie \u00e0 sa charge.<\/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-248e674 elementor-button-info elementor-align-right elementor-widget elementor-widget-button\" data-id=\"248e674\" 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\/\" target=\"_blank\" rel=\"nofollow\">\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\">D\u00e9couvrez combien vous pouvez avoir<\/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<div class=\"elementor-element elementor-element-f255006 e-con-full e-flex e-con e-child\" data-id=\"f255006\" 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-eb1d01b e-flex e-con-boxed e-con e-child\" data-id=\"eb1d01b\" 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-8714633 elementor-widget elementor-widget-heading\" data-id=\"8714633\" 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\">Avances<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-add89b8 elementor-widget elementor-widget-text-editor\" data-id=\"add89b8\" 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>Possibilit\u00e9 de demander des <strong>avances<\/strong> ou des <strong>rachats partiels ou totaux<\/strong> lors de la survenance de certaines conditions d\u00e9termin\u00e9es.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a8dc1e1 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"a8dc1e1\" 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-b515604 e-flex e-con-boxed e-con e-parent\" data-id=\"b515604\" 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-f2e1745 e-con-full e-flex e-con e-child\" data-id=\"f2e1745\" 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-1678fea elementor-widget elementor-widget-heading\" data-id=\"1678fea\" 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\">Les investissements et la gestion financi\u00e8re<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6653530 elementor-widget elementor-widget-text-editor\" data-id=\"6653530\" 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>Au moment de l&rsquo;adh\u00e9sion, le travailleur est libre de choisir le <strong>compartiment d&rsquo;investissement<\/strong> le plus en ligne avec son <strong>profil personnel<\/strong>.<br>La gestion de Fondapi, orient\u00e9e vers une <strong>politique de durabilit\u00e9 de l&rsquo;investissement<\/strong>, pr\u00e9voit trois lignes.<\/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-acb477b e-con-full e-flex e-con e-child\" data-id=\"acb477b\" 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-14657fb e-con-full e-flex e-con e-child\" data-id=\"14657fb\" 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-63b83db e-flex e-con-boxed e-con e-child\" data-id=\"63b83db\" 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-21c516a elementor-widget elementor-widget-heading\" data-id=\"21c516a\" 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\">Croissance<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb09a57 elementor-widget elementor-widget-text-editor\" data-id=\"fb09a57\" 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\tUn compartiment \u00e9quilibr\u00e9, dans lequel les titres actions et obligataires ont le m\u00eame poids.\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-37be217 elementor-button-info elementor-align-right elementor-widget elementor-widget-button\" data-id=\"37be217\" 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\/investissement\/compartiments-et-rendements\/compartiment-croissance\/\" target=\"_blank\" rel=\"nofollow\">\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\">Aller au compartiment<\/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<div class=\"elementor-element elementor-element-14acd5d e-con-full e-flex e-con e-child\" data-id=\"14acd5d\" 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-38606e5 e-flex e-con-boxed e-con e-child\" data-id=\"38606e5\" 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-942da77 elementor-widget elementor-widget-heading\" data-id=\"942da77\" 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\">Prudent<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42c711d elementor-widget elementor-widget-text-editor\" data-id=\"42c711d\" 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>Un compartiment \u00e0 pr\u00e9dominance de titres obligataires.<\/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-e810ab9 elementor-button-info elementor-align-right elementor-widget elementor-widget-button\" data-id=\"e810ab9\" 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\/investissement\/compartiments-et-rendements\/compartiment-prudent\/\" target=\"_blank\" rel=\"nofollow\">\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\">Aller au compartiment<\/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<div class=\"elementor-element elementor-element-3db889d e-con-full e-flex e-con e-child\" data-id=\"3db889d\" 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-2d6102a e-flex e-con-boxed e-con e-child\" data-id=\"2d6102a\" 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-9051970 elementor-widget elementor-widget-heading\" data-id=\"9051970\" 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\">Garantie<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef8e4ea elementor-widget elementor-widget-text-editor\" data-id=\"ef8e4ea\" 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>Un compartiment compos\u00e9 \u00e0 90 % de titres obligataires, avec la pr\u00e9sence d&rsquo;une garantie d&rsquo;assurance qui, en cas de rendements n\u00e9gatifs, permet d&rsquo;obtenir des sommes \u00e9gales au moins \u00e0 ce qui a \u00e9t\u00e9 vers\u00e9.<\/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-d579be7 elementor-button-info elementor-align-right elementor-widget elementor-widget-button\" data-id=\"d579be7\" 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\/investissement\/compartiments-et-rendements\/compartiment-garantie\/\" target=\"_blank\" rel=\"nofollow\">\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\">Aller au compartiment<\/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<div class=\"elementor-element elementor-element-3d576f8 e-con-full e-flex e-con e-child\" data-id=\"3d576f8\" 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-2913e38 elementor-widget elementor-widget-text-editor\" data-id=\"2913e38\" 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>Ind\u00e9pendamment de la propension au risque, qui varie d&rsquo;un sujet \u00e0 l&rsquo;autre, la th\u00e9orie li\u00e9e au choix du compartiment se base sur l&rsquo;<strong>horizon temporel de l&rsquo;investissement : plus l&rsquo;horizon est long, plus il est conseill\u00e9<\/strong>, pendant la phase d&rsquo;accumulation, de <strong>s&rsquo;orienter vers des compartiments \u00e0 plus forte composante actions<\/strong>, pour ensuite \u00e9voluer vers des compartiments moins ax\u00e9s sur les actions \u00e0 l&rsquo;approche de la retraite.<\/p><p>Pour plus d&rsquo;informations sur les <strong>compartiments d&rsquo;investissement<\/strong> et sur les <strong>rendements obtenables, lisez l&rsquo;approfondissement<\/strong> disponible <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/vantaggi\/rendimenti\">en cliquant ici<\/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-d35efdf e-flex e-con-boxed e-con e-parent\" data-id=\"d35efdf\" 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-de9430a elementor-widget elementor-widget-html\" data-id=\"de9430a\" 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-a668ded e-flex e-con-boxed e-con e-parent\" data-id=\"a668ded\" 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-c3693b0 elementor-widget elementor-widget-heading\" data-id=\"c3693b0\" 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\">Parlez avec l'un de nos experts !<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c1c003 elementor-widget elementor-widget-heading\" data-id=\"7c1c003\" 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\">R\u00e9servez une consultation t\u00e9l\u00e9phonique<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cd80830 e-flex e-con-boxed e-con e-child\" data-id=\"cd80830\" 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-49b8cb6 elementor-widget elementor-widget-button\" data-id=\"49b8cb6\" 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<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-volume\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M97.333 506.966c-129.874-129.874-129.681-340.252 0-469.933 5.698-5.698 14.527-6.632 21.263-2.422l64.817 40.513a17.187 17.187 0 0 1 6.849 20.958l-32.408 81.021a17.188 17.188 0 0 1-17.669 10.719l-55.81-5.58c-21.051 58.261-20.612 122.471 0 179.515l55.811-5.581a17.188 17.188 0 0 1 17.669 10.719l32.408 81.022a17.188 17.188 0 0 1-6.849 20.958l-64.817 40.513a17.19 17.19 0 0 1-21.264-2.422zM247.126 95.473c11.832 20.047 11.832 45.008 0 65.055-3.95 6.693-13.108 7.959-18.718 2.581l-5.975-5.726c-3.911-3.748-4.793-9.622-2.261-14.41a32.063 32.063 0 0 0 0-29.945c-2.533-4.788-1.65-10.662 2.261-14.41l5.975-5.726c5.61-5.378 14.768-4.112 18.718 2.581zm91.787-91.187c60.14 71.604 60.092 175.882 0 247.428-4.474 5.327-12.53 5.746-17.552.933l-5.798-5.557c-4.56-4.371-4.977-11.529-.93-16.379 49.687-59.538 49.646-145.933 0-205.422-4.047-4.85-3.631-12.008.93-16.379l5.798-5.557c5.022-4.813 13.078-4.394 17.552.933zm-45.972 44.941c36.05 46.322 36.108 111.149 0 157.546-4.39 5.641-12.697 6.251-17.856 1.304l-5.818-5.579c-4.4-4.219-4.998-11.095-1.285-15.931 26.536-34.564 26.534-82.572 0-117.134-3.713-4.836-3.115-11.711 1.285-15.931l5.818-5.579c5.159-4.947 13.466-4.337 17.856 1.304z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">R\u00e9servez 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\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-160d3e3 e-flex e-con-boxed e-con e-parent\" data-id=\"160d3e3\" 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-a861584 e-con-full e-flex e-con e-child\" data-id=\"a861584\" 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-c90168e elementor-widget elementor-widget-heading\" data-id=\"c90168e\" 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\">Le versement : deux types de <span style=\"color: #3997B9\">retraite compl\u00e9mentaire<\/span>\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b38d07 elementor-widget elementor-widget-text-editor\" data-id=\"5b38d07\" 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><span style=\"font-weight: 400;\">Avant de parler de retraite compl\u00e9mentaire, il est n\u00e9cessaire de distinguer entre :<\/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<div class=\"elementor-element elementor-element-bc534e5 e-con-full e-flex e-con e-child\" data-id=\"bc534e5\" 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-464d474 e-con-full e-flex e-con e-child\" data-id=\"464d474\" 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-162cc9d e-flex e-con-boxed e-con e-child\" data-id=\"162cc9d\" 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-e019436 elementor-widget elementor-widget-heading\" data-id=\"e019436\" 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\">Prestations en capital<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ba0a77 elementor-widget elementor-widget-text-editor\" data-id=\"4ba0a77\" 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>Ce sont des liquidations r\u00e9alis\u00e9es par le fonds de pension qui se concr\u00e9tisent par <strong>une seule liquidation<\/strong>, sans aucun fractionnement des montants dans le temps ; c&rsquo;est le cas des <strong>avances<\/strong>, des <strong>rachats<\/strong> mais aussi de tr\u00e8s nombreuses <strong>liquidations pour mise \u00e0 la retraite<\/strong> qui sont liquid\u00e9es par Fondapi en environ 70-80 jours.<\/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-f17c3ca elementor-button-info elementor-widget elementor-widget-button\" data-id=\"f17c3ca\" 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\/adhesion-des-travailleurs\/rachat-du-fonds-de-pension\/schema-des-impositions-appliquees-aux-prestations\/\" target=\"_blank\" rel=\"nofollow\">\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\">Consultez les prestations<\/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<div class=\"elementor-element elementor-element-b25b684 e-con-full e-flex e-con e-child\" data-id=\"b25b684\" 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-02fe19b e-flex e-con-boxed e-con e-child\" data-id=\"02fe19b\" 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-d6a8cec elementor-widget elementor-widget-heading\" data-id=\"d6a8cec\" 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\">Prestations en rente<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7a3f82 elementor-widget elementor-widget-text-editor\" data-id=\"c7a3f82\" 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>Ce sont les <strong>retraites compl\u00e9mentaires<\/strong>, c&rsquo;est-\u00e0-dire des <strong>liquidations p\u00e9riodiques<\/strong> qui sont vers\u00e9es en faveur de ceux qui ont adh\u00e9r\u00e9 \u00e0 Fondapi ; c&rsquo;est le cas de certaines <strong>liquidations pour mise \u00e0 la retraite<\/strong> qui sont vers\u00e9es pendant toute la vie du travailleur et de la <strong>RITA<\/strong> (Rente int\u00e9grative temporaire anticip\u00e9e) : une rente qui peut \u00eatre demand\u00e9e par les travailleurs proches de la retraite, mais rest\u00e9s sans emploi, et qui cesse d&rsquo;\u00eatre vers\u00e9e \u00e0 la maturation des conditions requises pour la retraite.<\/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-c466c4a elementor-button-info elementor-align-left elementor-widget elementor-widget-button\" data-id=\"c466c4a\" 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\/adhesion-des-travailleurs\/rachat-du-fonds-de-pension\/prestation-de-retraite-sous-forme-de-rente\/\" target=\"_blank\" rel=\"nofollow\">\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\">D\u00e9couvrez les rentes disponibles<\/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<div class=\"elementor-element elementor-element-5bbfb49 e-con-full e-flex e-con e-child\" data-id=\"5bbfb49\" 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-0803112 elementor-widget elementor-widget-text-editor\" data-id=\"0803112\" 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>La <strong>retraite compl\u00e9mentaire<\/strong> peut consister en une <strong>prestation en rente<\/strong> qui est <strong>vers\u00e9e p\u00e9riodiquement au retrait\u00e9<\/strong> tant qu&rsquo;il est en vie. Exactement comme cela se passe avec la retraite de base (par exemple de l&rsquo;INPS). <\/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-71e28b9 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"71e28b9\" 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-9c68abc e-flex e-con-boxed e-con e-parent\" data-id=\"9c68abc\" 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-3845701 e-con-full e-flex e-con e-child\" data-id=\"3845701\" 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-f93c5eb elementor-widget elementor-widget-heading\" data-id=\"f93c5eb\" 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\">La retraite compl\u00e9mentaire en rente est-elle <span style=\"color: #3997B9\">toujours obligatoire<\/span> ?<\/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-8c280a1 e-con-full e-flex e-con e-child\" data-id=\"8c280a1\" 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-7abc477 elementor-widget elementor-widget-text-editor\" data-id=\"7abc477\" 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>La r\u00e9ponse est non. <strong>La rente n&rsquo;est obligatoire que pour ceux qui ont constitu\u00e9 des positions contributives plus \u00e9lev\u00e9es<\/strong>. Il faut comparer l&rsquo;\u00e9pargne retraite constitu\u00e9e avec les montants rapport\u00e9s dans le <g id=\"gid_1\">tableau des valeurs seuils<\/g>, disponible <g id=\"gid_2\"><g id=\"gid_3\"><g id=\"gid_4\">en cliquant ici<\/g><\/g><\/g>. Ces montants diff\u00e8rent selon :  <\/p><ul><li>le sexe de l&rsquo;adh\u00e9rent ;<\/li><li>l&rsquo;\u00e2ge de l&rsquo;adh\u00e9rent qui demande la liquidation ;<\/li><li>la valeur de l&rsquo;allocation sociale, dont le recalcul est annuel.<\/li><\/ul><p>Par cons\u00e9quent, les <strong>valeurs seuils seront \u00e9galement recalcul\u00e9es annuellement<\/strong> et subiront des variations d&rsquo;ampleur, cependant, n\u00e9gligeable. Sp\u00e9cifiquement, si la somme constitu\u00e9e est <strong>inf\u00e9rieure<\/strong> par rapport \u00e0 la <strong>valeur seuil<\/strong>, le retrait\u00e9 sera libre de recevoir <strong>l&rsquo;int\u00e9gralit\u00e9 de la liquidation en capital<\/strong>, sans aucun fractionnement (prestation en capital, aucune rente) ; si en revanche la somme constitu\u00e9e est sup\u00e9rieure \u00e0 la valeur seuil, le retrait\u00e9 aura l&rsquo;obligation de convertir au moins la moiti\u00e9 en rente, qui deviendra donc une retraite compl\u00e9mentaire. <\/p><p><strong>Fondapi ne verse pas seulement des retraites compl\u00e9mentaires<\/strong> ; il existe aussi de nombreuses <strong>autres prestations<\/strong>, parmi lesquelles :<\/p><ul><li><strong>avances<\/strong> pour frais m\u00e9dicaux, pour achat ou r\u00e9novation de la premi\u00e8re maison et pour d&rsquo;autres besoins \u00e0 ne pas justifier ;<\/li><li><strong>rachats totaux et partiels<\/strong>, par exemple suite \u00e0 d\u00e9mission ou licenciement ;<\/li><li><strong>liquidations<\/strong> pour mise \u00e0 la retraite en capital.<\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2202b00 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"2202b00\" 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-23d7bb1 e-flex e-con-boxed e-con e-parent\" data-id=\"23d7bb1\" 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-011f293 e-con-full e-flex e-con e-child\" data-id=\"011f293\" 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;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e832339 elementor-widget elementor-widget-heading\" data-id=\"e832339\" 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\">Personnalisez les versements et la fr\u00e9quence<\/span> de votre retraite compl\u00e9mentaire<\/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-4efee34 e-con-full e-flex e-con e-child\" data-id=\"4efee34\" 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-7bc049b elementor-widget elementor-widget-text-editor\" data-id=\"7bc049b\" 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>Au moment de la maturation du droit \u00e0 la retraite, l&rsquo;adh\u00e9rent qui voudra ou aura l&rsquo;obligation de demander la rente, devra choisir :<\/p><ul><li>la <strong>fr\u00e9quence de versement de la rente<\/strong>, c&rsquo;est-\u00e0-dire \u00e0 quelle fr\u00e9quence recevoir la retraite compl\u00e9mentaire ;<\/li><li>la <strong>rente la plus adapt\u00e9e \u00e0 ses besoins<\/strong> parmi les six types diff\u00e9rents offerts par Fondapi, chacun avec des conditions et garanties diff\u00e9rentes.<\/li><\/ul><p><span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/rachat-du-fonds-de-pension\/prestation-de-retraite-sous-forme-de-rente\/\" target=\"_blank\" rel=\"noopener\">En cliquant ici<\/a><\/strong><\/span>, il est possible de prendre connaissance des <strong>diff\u00e9rents types de rentes<\/strong>, des <strong>fr\u00e9quences de versements<\/strong> et de quelques <strong>exemples de rente<\/strong>.<\/p><p>Pour faire quelques projections de ses revenus \u00e0 l&rsquo;\u00e2ge de la retraite, il est possible d&rsquo;utiliser les deux outils ci-dessous :<\/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-b75fb8e e-con-full e-flex e-con e-child\" data-id=\"b75fb8e\" 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-56bc02b e-flex e-con-boxed e-con e-child\" data-id=\"56bc02b\" 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-e78c480 elementor-widget elementor-widget-heading\" data-id=\"e78c480\" 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\">Simulateur de retraite<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8b840d elementor-widget elementor-widget-text-editor\" data-id=\"d8b840d\" 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\tLe simulateur de retraite, qui aide \u00e0 faire une projection de la retraite de base et de la couverture de la retraite compl\u00e9mentaire.\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-cfddd3e elementor-button-info elementor-widget elementor-widget-button\" data-id=\"cfddd3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/funds.previnet.it\/fondapi-w-psimula\/previdenziale.html#\/previdenziale\" target=\"_blank\" rel=\"nofollow\">\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\">Faites votre simulation<\/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-77baed6 e-con-full e-flex e-con e-child\" data-id=\"77baed6\" 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-f2c5b62 e-flex e-con-boxed e-con e-child\" data-id=\"f2c5b62\" 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-fe613af elementor-widget elementor-widget-heading\" data-id=\"fe613af\" 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\">Moteur de calcul de la rente<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52c6b6b elementor-widget elementor-widget-text-editor\" data-id=\"52c6b6b\" 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\tLe moteur de calcul de la rente pour quantifier le montant de la retraite compl\u00e9mentaire sur la base des diff\u00e9rents types de rente.\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-ecf9108 elementor-button-info elementor-widget elementor-widget-button\" data-id=\"ecf9108\" 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:\/\/prestazioni.mefop.it\/assofondi2019\" target=\"_blank\" rel=\"nofollow\">\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\">Calculez votre rente<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-146986f elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"146986f\" 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-5d4f664 e-flex e-con-boxed e-con e-parent\" data-id=\"5d4f664\" 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-d5227d7 e-con-full e-flex e-con e-child\" data-id=\"d5227d7\" 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-d34f6eb elementor-widget elementor-widget-heading\" data-id=\"d34f6eb\" 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\">Les <span style=\"color: #3997B9\">protections<\/span> des adh\u00e9rents\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b54101 elementor-widget elementor-widget-text-editor\" data-id=\"0b54101\" 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>Ce qui est vers\u00e9 et accumul\u00e9 aupr\u00e8s du fonds de pension <strong>est fortement prot\u00e9g\u00e9<\/strong> : en particulier, les ressources vers\u00e9es sont <strong>insaisissables<\/strong>, <strong>non saisissables<\/strong> et <strong>ne peuvent pas \u00eatre touch\u00e9es<\/strong> m\u00eame en cas de fermeture ou de faillite du fonds de pension ; dans ce dernier cas, les positions des adh\u00e9rents sont liquid\u00e9es ou transf\u00e9r\u00e9es sur un autre fonds de pension.<\/p><p>Une autre protection importante est qu&rsquo;en cas de <strong>d\u00e9c\u00e8s avant la retraite compl\u00e9mentaire<\/strong>, <strong>ce qui a \u00e9t\u00e9 accumul\u00e9<\/strong> jusqu&rsquo;\u00e0 ce moment <strong>revient aux h\u00e9ritiers ou autres sujets \u00e9ventuellement indiqu\u00e9s<\/strong>, sans aucun imp\u00f4t de succession.<\/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-1bf8874 e-flex e-con-boxed e-con e-parent\" data-id=\"1bf8874\" 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-6cb4daf2 elementor-widget elementor-widget-html\" data-id=\"6cb4daf2\" 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-6578c11 e-flex e-con-boxed e-con e-parent\" data-id=\"6578c11\" 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-8311b73 elementor-widget elementor-widget-heading\" data-id=\"8311b73\" 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\">La retraite approche ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7530698 elementor-widget elementor-widget-text-editor\" data-id=\"7530698\" 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>S&rsquo;il vous manque <strong>moins de 6 mois avant la retraite<\/strong> et que vous voulez \u00eatre contact\u00e9 par Fondapi pour une <strong>consultation personnalis\u00e9e<\/strong>, \u00e9crivez un e-mail \u00e0 <span style=\"text-decoration: underline; color: #ffffff;\"><strong><a style=\"color: #ffffff; text-decoration: underline;\" href=\"mailto:pensione@fondapi.it\">pensione@fondapi.it<\/a><\/strong><\/span> en indiquant votre nom et un num\u00e9ro de t\u00e9l\u00e9phone : nous vous recontacterons au plus vite !<\/p><p>Ou bien, cliquez sur le bouton ci-dessous et d\u00e9couvrez toutes les fa\u00e7ons d&rsquo;entrer en contact avec nous !<\/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-e124a74 e-flex e-con-boxed e-con e-child\" data-id=\"e124a74\" 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-ead8c6f elementor-widget elementor-widget-button\" data-id=\"ead8c6f\" 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\/supporto\/contatti-e-appuntamenti\/\">\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\">Contactez-nous 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\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","protected":false},"excerpt":{"rendered":"<p>Home Fondapi La retraite compl\u00e9mentaire est une forme d&rsquo;\u00e9pargne retraite ; s&rsquo;ajoutant \u00e0 la retraite INPS (dite du premier pilier), elle constitue une seconde source de revenus pendant l&rsquo;\u00e2ge de la retraite et repr\u00e9sente donc le deuxi\u00e8me pilier du syst\u00e8me de retraite italien. L&rsquo;objectif, compte tenu de la baisse progressive de la pension INPS, est [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61267,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-61373","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>Votre retraite compl\u00e9mentaire - Fondapi<\/title>\n<meta name=\"description\" content=\"Construisez votre retraite compl\u00e9mentaire avec Fondapi : s\u00e9curit\u00e9, avantages fiscaux et rentes personnalis\u00e9es pour votre avenir\" \/>\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\/fondapi\/votre-retraite-complementaire\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Votre retraite compl\u00e9mentaire - 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