The calculations to 2030: how much is lost without the spare wheel
For those who are planning their future after retirement, following the steps of the tax reform, which should also intervene on the slippery terrain of supplementary pensions, makes sense up to a certain point. The legislator’s objective is to transfer the tax burden from annual capital gains to retirement benefits (annuity or capital), aligning Italy with the most widespread model in Europe (see article on opposite page). But whatever the new formula and the rates established by the legislator, saving by thinking about the life that begins after leaving the world of work will remain an obligatory path: in 2030, in fact, the public pension for employees will amount to 55/65% of the last salary, remembers Andrea Carbone, founder of Smileconomy. It will be between 35 and 45% for self-employed workers. Meanwhile, three out of four Italians do not pay into supplementary pensions: if they do not change their regime, they will not receive a supplementary pension. After all, even those who have joined a pension fund will take little: if you divide the 198 billion euros – the total assets estimated by Covip at the end of 2020 – by the number of members, equal to 8,445,170 units, you will get 23,436 euros per capita. Not much, if you want to prepare an effective crutch for the public welfare check, which will be thinner and thinner.
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