Fondo pensione – Strategia di investimento in età pensionabile
Sottoscrivere un fondo pensione poco prima di andare in pensione, o addirittura dopo? Sembra un controsenso, eppure non è così: anzi, ci sono ottimi motivi per prendere la cosa in considerazione.
L’aspetto fondamentale, che rende interessante un investimento di tipo previdenziale anche in prossimità dell’età pensionabile, è la fiscalità agevolata che caratterizza quel tipo di prodotto. Per incentivare l’adesione a forme pensionistiche complementari, infatti, queste ultime godono di benefici fiscali rilevanti.
Ricordiamo in breve i vantaggi fiscali più significativi:
- Deduzione dal proprio reddito imponibile (Irpef) dei versamenti a forme pensionistiche complementari fino a 5164, 57 euro all’anno;
- Tassazione del 20% sui guadagni generati dal fondo pensione (anziché 26%);
- Tassazione delle prestazioni a scadenza (rendita periodica o capitale), solo sulla parte dedotta in precedenza, pari al 15% (ulteriormente ridotta in determinate situazioni).
FINO A CHE ETA’ PUOI ADERIRE AD UN FONDO PENSIONE?
La legge che regola i fondi pensione (D.L. 252/2005), inoltre, ci fornisce due elementi fondamentali che giustificano l’adesione anche in età avanzata a forme di previdenza complementare. Infatti:
Chiunque abbia aderito ad un fondo pensione almeno un anno prima rispetto all’età pensionabile (che, secondo le indicazioni della Covip, è l’età prevista per ottenere la pensione di vecchiaia secondo il regime obbligatorio di appartenenza, ad esempio l’Inps: per il 2018 sarà di 66 anni e 7 mesi) ha la facoltà di proseguire i versamenti volontari al fondo senza vincoli.
Anche chi percepisce pensioni di anzianità ha diritto a sottoscrivere un fondo pensione volontario, purché con almeno un anno di anticipo rispetto al compimento dell’età pensionabile.
Riassumendo, quale vantaggio si può avere aderendo ad un fondo pensionistico privato anche in età prossima alla pensione? Un esempio chiarirà meglio la situazione.
PERCHE’ TI CONVIENE FARE UN FONDO PENSIONE A 60 ANNI?
Supponiamo che Mario, un falegname di 60 anni, fino ad oggi privo di forme pensionistiche complementari e con un reddito lordo di 60.000 euro, decida di aderire ad un fondo pensione, versando 5.000 euro all’anno per 10 anni.
Ogni versamento annuo godrà della deduzione dall’Irpef: sui 5.000 euro versati al fondo pensione Mario eviterà di pagare il 41% di tasse, con un risparmio immediato di 2.050 euro;
Dopo 10 anni, Mario avrà versato complessivamente 50.000 euro (che si saranno rivalutati in base alle performance del fondo pensione, ma per semplicità escludiamo questo aspetto dai conteggi). Al momento di rientrare in possesso del suo denaro, Mario subirà una tassazione del 15% sul versato: ovvero 7.500 euro complessivi. Considerando che in 10 anni ha risparmiato 20.500 euro di tasse, l’operazione si chiuderà con un profitto “certo” di 13.000 euro netti.
Resta da considerare una cosa. Come rientrerà in possesso del suo denaro il nostro Mario? Potrà ritirare tutti i suoi soldi, o percepirà una rendita mensile?
PUOI RITIRARE SUBITO IL TUO CAPITALE!
La legge prevede che, nel caso in cui il 70% della rendita di un fondo pensione non sia superiore al 50% del valore dell’assegno sociale (che attualmente è di circa 485 euro al mese) si può riscattare l’intera prestazione di un fondo pensione immediatamente, sotto forma di capitale.
Nel nostro esempio, Mario rientrerebbe tranquillamente in questo caso, per cui potrebbe richiedere il disinvestimento del suo fondo pensione. In questo modo potrebbe così disporre subito dei frutti del suo intelligente investimento, che gli ha consentito di ottenere un rendimento difficilmente realizzabile in altro modo. “
Qualora questa pubblicazione ti sia risultata utile e gradita, per rimanere sempre aggiornato iscriviti gratuitamente alla newsletter settimanale oppure seguici sui social network (facebook ).
FONTE: http://www.capireperinvestire.it/previdenza/fondo-pensione-scelta-intelligente-65-anni/
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