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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?

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