Premi "Invio" per passare al contenuto

Previdenza o provvidenza?

La previdenza complementare in Italia è partita di fatto nell’aprile del 1993 con l’approvazione del D.lgs. 124 mettendo le regole alle forme pensionistiche complementari e avviando quindi i fondi pensione.

Il motivo è stato subito evidente, quello cioè di integrare una progressiva riduzione della pensione pubblica con uno strumento in grado di sostenere il reddito nel periodo di pensionamento  con lo scopo di coprire il gap previdenziale.

Ma cosa significa gap previdenziale? Il gap previdenziale è la differenza tra la prima rata di rendita di pensione e l’ultimo stipendio da lavoratore. Evidente che maggiore sarà la differenza tanto minore sarà il tenore di vita da pensionato rispetto a quello tenuto nella fase lavorativa.

Questa differenza viene denominata tasso di sostituzione e la scheda a margine (fonte ragioneria generale dello stato) ben rappresenta la proiezione.

Capiamo quindi che un lavoratore dipendente che nel 2010 andava in pensione con un tasso di sostituzione di circa 75% del suo ultimo stipendio ( es. 2000€ ultimo stipendio riceveva una pensione di 1500€) nel 2030 scenderà al 70% circa e, se prendiamo come riferimento i 2000€,  la pensione sarà di circa 1400€, nel 2040 al 65% circa e la pensione di conseguenza scenderà a circa 1300€, fino ad attestarsi in base a questa proiezione a circa un 63% di tasso di sostituzione nel 2060.

I lavoratori autonomi, da un tasso di sostituzione di circa 78% del 2010 scendono al 55% nel 2030. Quindi se prendiamo l’esempio dei 2000€ mensili nel 2010 percepiva, con un tasso di sostituzione del 78%, una pensione di circa 1560€, nel 2030 sarà di 1100€. In termini annuali significa un gap di 10800€.

Colmare questa differenza è quindi uno dei principali obiettivi della previdenza complementare, usufruendo anche dei vantaggi fiscali previsti dalla legge e di alcuni vantaggi contrattuali, leggi contributo aziendale, previsti per alcune tipologie di fondi.

E tu cosa scegli?

La previdenza o la provvidenza?

16 commenti

  1. דירה דיסקרטית Agosto 24, 2022

    When I originally commented I seem to have clicked on the -Notify me when new comments are added- checkbox and now each time a comment is added I recieve 4 emails with the same comment. Is there a way you are able to remove me from that service? Kudos!

  2. Yesterday, whie I was att work, my sister stole mmy iPad
    aand tessted to see if itt ccan survive a 30 foot drop, just
    so sshe caan be a youtuibe sensation. My pple ipoad is now broken aand sshe
    has 83 views. I knokw this iss entirely off topic butt I hhad to share
    iit with someone!

  3. pajita Settembre 11, 2023

    Appdeciate this post. Let mee try it out.

  4. I lovewd as much aas you ill receivee carried out
    right here. Thee skketch iis tasteful, youyr authored subjesct matter stylish.
    nonetheless, you command get bought aan nervousneess over thatt you wishh bee
    delivering tthe following. unwell unquestionably come furthr formerly again ass
    exactly the sme nearly a llot oftenn innside case youu shild this hike.

  5. Explore the Horizon Ottobre 7, 2023

    I see that you are using WordPress on your blog, wordpress is the best.’`~*,

  6. Explore the Horizon Ottobre 8, 2023

    I really enjoy this template youve got going on on your site. What is the name of the theme by the way? I was thinking of using this style for the web site I am going to make for my school project.

  7. View website Ottobre 9, 2023

    Superb blog post, I have book marked this internet site so ideally I’ll see much more on this subject in the foreseeable future!

  8. View website Ottobre 9, 2023

    This would be the proper blog for anybody who wishes to learn about this topic. You know so much its almost challenging to argue along (not too I just would want…HaHa). You definitely put a whole new spin for a topic thats been revealed for several years. Wonderful stuff, just wonderful!

  9. 34470 Ottobre 19, 2023

    No bske chresecake oeeo copokie bottomPiraqte ftish mchine 20 lesliee mannShwing your ddick onlineSperduper dickAspirin pporn starr sitesAdult devKate bechinsale nudeSexx party in philadelphiaSliit wet pussy kirstenTattopo seex photosVideo interact fuckk dildoYoutube bbig ass whte ladiesAmateur hidde camm moviePlus ize and lingerieNurist payy sitesEuropeann poen searc enginesAdhlt mexican vacationMdget
    dvdPeeimg fittinng roomAsiaqn festivalls and celebrationsWomenn seeking
    mmen sexy picturesSubnitted lesbianNudee dysney4480062858 amazon.co.jp aswian exec obidosToilet pictres movies women peeingFree
    essy teen girlsFlashing picc teenClssifieds adultEbook englosh hhow tto draw hentaiFuoly clothed poset sexyCarmjen electrra
    sexx tappe full movieGaay barss fullertonMilf with bbig ttits suckijg cockSttar wasrs porn freeMechanical ass dildosNake femsle wiith tattoosPhillippine beauties using dildosOrange broadband pornAmature donkey fuckVinhtage underwear fetishSexual abuse prevention for religious order and presidiumSandee westgat
    bikiini riotXxxx llong video puffyFreee pictfures nudee female athletesWhhat is locatted on thhe sgrip att laas vegasNaed chinha pholto
    galleryIs enny marshaall a lesbianGiant blaack asss trailer wmvHoww
    too buy fluorescent strup t8Fingering her cut tiill she cums
    sarah lollypop porn Nudst orr nudists oor nudism or naturist
    or naturistsStrijped zech beadSpongebob squarepants battlle foor bikkini bottom cheatFree nuide tanmya hardingMythological pornInspiring sexyHow to goo doggie styleIzle sexSex vi9deosFreee interracial rromance
    novelsMexsage sexy smsTeenticles sexGiving nuude
    birthComc srip qusen aleteMalta teen thimbsDavve gets ficked waybig ean codyGameds
    with animaion sexFree teen couples fuckingFrontierr japanese nudeMalle escortt stephen drakeBabestatijon babhes fuckingTight pinjk pussy getting fuckedYasmin lee transsexual babysittersBondahe story breast freePanty crotch wet aass masturbationAccident her ants peee ppeed pisss urine wetHorny teen girlls fingeriing them selfsHis dick made herr squealLass veas strip clubs comparisonBirthday
    sentiments for teensSkiin infecctions penisCouplres fuckingArmlit hairy sexFemmdom strap
    oon anime tubeDally pantyhose picSpanking clitBoyfriend forcded suckMaure womedn masurbatingGirlss mastuurbation positionsLicensdd disney princess
    adult cotume rentalGayy fawcial ccum vieeo clipSmall ick husband jokesSri lanka sex escortSmall
    breasts bikiniSexy woman models lingerieNothing but big dicksNudde celeb blogsVintag sewin pattterns for infantsScream in pqin fuckXxxx womans 50s blowjobsDance perfirmances unisex naksd dresing roomsReeal firs threesomeGay man andd prostatge cancerNaked cartoon drawibgsSeex information marriageYoungg afican gaay blys nudeBroc
    armstrong pussyYuliaa tymoshenko seexy photosFreee outdoorr naked girls videosSex smmut gremlinAsian contact mgspace tableWilliam levy nude pictures galleryAqua teren carel picsLaina assOrgasm listening
    to musicBeplatno porrn slikeGaay fistersFreee grznny bigg blck
    titsVintage concert shirtsLesbbian movie teed teenPictutes of nude
    gifl scoutsAppe monkwy fucks womn storiesSliding clolset doir bottom guideSims furdniture
    sucksFreee nnude photos of busty womenFree hardcore pornn
    vids emailFreee movies porn matureMilf drunk boys sexTyler
    sexClofhed womnen naled waitersFuck huge machineDominicana anais
    sexx videoBlinds tthat pull bottm to topPiink aand brown vintageJudge makes tens
    listen tto song16 british nudeGohan andd viideo pornRedd
    line penisBackstag in xxxWill farrell nudeFreee dwnload japan pornXxx hardcore ukYoung ppenis imagesAdult flash free fdee gameMarriage frequenmt sexWifee girlfriend
    tgpMassiv natural hanginjg titsHd shemale slutsBonmnie raitt nudeQuotations oon sedxual actionAlycia lane aand bikiniManno a mmano hanbdjob videoSexx cloubs melbourneDawn’s place videsos huyge boobsSexx positions finnding g spot picGay truckstopsSister sees brother’s huge dickCrazy big chunjky asses dailymotionLinda asian escortt south kenPornn mfcGay bedar buttsRandy’s dickHouseives loving big cocksNakrd guy iin front oof
    womenInide nudesTrinny aand suzanna completely nuude picturesFisting myy husbandFreee xxxx panty picsAsian market
    springfieldMann movfie sexSquier vintage modified strzt actiuon qualityLow
    sex dribe during pregnancyPainjt striipper no fumesBlack matuure
    sandSaratoga sprikngs escortt servicesTinny tokon pussyFellatijo cunnilingus 2008 jelxoft enterprises ltdSwines matuire privateAftwr birth vaginalItracial
    vintage porn iin africaHouston texaws incependent
    escortsCoatt hangqr masturbationCameron love gloryholeGerman gangbang tubesGregg
    thompson genital warts reealy suckSophia simone nakedPee
    wwee socccer in palm bach countyJapanese boobs vieo movieHuge ccom lopads on hairy pussyChristin aguleras pussyPrometrium
    vaginaql useAdult movies ffor sale ukPre-marital sex christianityAlison sweeney bukini picsPornstar rebecca bardouxShame myy aass show my
    thong yricsHorrney mom getting fuckedFree erotoc stoies mutualmasturbationRmbutan villa virgin gordaFree download african pordn movie

  10. Breaking News Dicembre 5, 2023

    I really like reading through a post that can make men and women think. Also, thank you for allowing me to comment!

  11. xxx tube Dicembre 14, 2023

    I was wonderring iff youu ever considered changing thee page layout
    oof your site? Its very welll written; I ove what yluve goot too say.
    Butt maybe yoou cojld a little morte iin thhe wayy oof content soo people could connect with it better.
    Youve got ann awrul loot oof tsxt foor only having
    onne orr two pictures. Maybe yoou could
    spwce iit out better?

  12. Puravive Dicembre 19, 2023

    naturally like your web site however you need to take a look at the spelling on several of your posts. A number of them are rife with spelling problems and I find it very bothersome to tell the truth on the other hand I will surely come again again.

  13. Suivre Téléphone Febbraio 8, 2024

    Suivre le téléphone portable – Application de suivi cachée qui enregistre l’emplacement, les SMS, l’audio des appels, WhatsApp, Facebook, photo, caméra, activité Internet. Idéal pour le contrôle parental et la surveillance des employés. Suivre le Téléphone Gratuitement – Logiciel de Surveillance en Ligne.

  14. Suivre le téléphone Febbraio 10, 2024

    Meilleure application de contrôle parental pour protéger vos enfants – Moniteur secrètement secret GPS, SMS, appels, WhatsApp, Facebook, localisation. Vous pouvez surveiller à distance les activités du téléphone mobile après le téléchargement et installer l’apk sur le téléphone cible.

Lascia un commento

Il tuo indirizzo email non sarà pubblicato. I campi obbligatori sono contrassegnati *