INPS – photo deposit – Sicilianews24.it
The pension fund is essential for a better old age. What to choose? CAP or Pension Fund. Here’s which one offers the best deals.
Retirement has always been a hot topic for all Italian citizens. The retirement period is a moment that we all reach sooner or later and which unfortunately dissatisfies a large part of the Italian population. THE pension reports in our state, they are certainly not the best, indeed they often put Italian citizens in difficulty who are unable to satisfy their needs.
We hear more and more often about young people who will most likely have serious difficulties when they retire, between the ever-increasing retirement age and pensions that are never sufficient.
Precisely for this reason it is necessary evaluate some alternative solutions. The two options that are proposed are pension funds and the capital accumulation plan. Precisely in recent years the rules on both have changed suddenly and for a careful evaluation it is necessary to know the differences.
The decision is not simple, both options proposed are able to offer a certain financial stability, precisely what all citizens close to retirement are looking for. Here then is which solution is most convenient.
Pension fund and accumulation plan
When we talk about pension funds we are referring to a financial instrument that allows, during the years of subscription, to be able to accumulate a certain sum of money, in order to be able to have a supplementary pension. Typically such tools see then capital invested in other financial products and assets. The accumulation plan, on the other hand, allows you to increase the accumulated amount payment after payment.
There are numerous benefits that can be enjoyed even during the years of accumulation of pension funds. First of all, what is invested can be deducted, up to an annual maximum of just over 5 thousand euros. Furthermore you can see a preferential taxation. Finally, even if you are subject to foreclosure, the amount cannot be seized.
Pension fund – Fonte_adobe – sicilianews24.it.
What is the best choice
At this point we wonder what the better choice between the two options that are offered to Italians. What follows is a comparison in which the PAC is the winner as it is able to offer a greater income.
A simple calculation to make, also in light of the taxation that affects both solutions. According to the numbers, the PAC would be much more convenientso as not to miss the investment opportunity.
Continue Reading
2024-04-13 16:33:43
#Pensions #email #INPS #splash #increase #starting #Funds #running
