Quanto prenderò di pensione? L’importanza del tasso di sostituzione.
Il sistema previdenziale italiano è considerato tra i più complessi d’Europa anche a causa delle frequenti modifiche alla normativa. Non è oggettivamente semplice per i lavoratori avere un quadro chiaro della propria posizione contributiva e del presumibile ammontare dell’assegno pensionistico.
E’ bene, comunque, dedicare un po’ di attenzione a questi temi in modo da poter eventualmente adottare, per tempo, tutte le scelte più opportune per vivere la pensione con tranquillità dal punto di vista economico.
Vediamo di fare il punto della situazione.
IL METODO DI CALCOLO DELLA PENSIONE: SISTEMA RETRIBUTIVO VS CONTRIBUTIVO
Il 1995 è stato un anno storico per il sistema previdenziale italiano perché ha segnato l’entrata in vigore della Riforma Dini che ha modificato il metodo di calcolo della pensione, introducendo il sistema contributivo al posto del precedente sistema retributivo.
Con il sistema retributivo, la pensione si calcola con riferimento agli ultimi stipendi; non si considerano, quindi, i contributi versati durante la vita lavorativa ma diventa importante quanto si guadagna durante l’ultima parte di carriera.
Con il metodo contributivo, invece, la pensione viene calcolata in base alla somma dei contributi versati, rivalutando questi importi in base all’andamento del Prodotto Interno Lordo.
Il legislatore del 1995 ha previsto alcune regole per disciplinare il passaggio tra i due sistemi, che hanno, inevitabilmente, creato tre situazioni differenti e una grande disparità tra generazioni e tra lavoratori. Infatti:
- coloro che lavoravano già da almeno 18 anni prima del 31/12/1995 hanno continuato a far riferimento al sistema retributivo;
- coloro che hanno iniziato a lavorare dal 1996 sono passati integralmente al sistema contributivo;
infine è stato previsto un sistema misto, cioè retributivo fino al 31 dicembre 1995 e poi contributivo, per coloro che avevano meno di 18 anni di contributi prima del 31/12/1995.
Ma non è finita qui perché, dal 1 gennaio 2012, con la c.d. riforma Fornero, anche coloro che nel 1995 avevano più di 18 anni di contributi sono passati al sistema contributivo per tutti i versamenti effettuati dal 2012 in avanti.
Quindi, capire quanto si percepirà di pensione, una volta smesso di lavorare, è fondamentale per poter affrontare il futuro con consapevolezza e serenità.
Ma come valutare il dato che ci può venire fornito dal nostro ente previdenziale?
quale sarà il potere d’acquisto di quella cifra in futuro?
L’inflazione, in altre parole, quanto eroderà il valore reale dei miei risparmio previdenziali?
Per sfuggire da questi dilemmi si utilizza un’altra modalità per fotografare il valore della nostra pensione futura: il tasso di sostituzione.
Si tratta di una proporzione tra la prima rendita pensionistica e il nostro ultimo stipendio.
Maggiore sarà il rapporto tra il primo fattore e il secondo e minore sarà l’impatto del momento del pensionamento sulle nostre tasche.
IL PARAMETRO CHIAVE: IL TASSO DI SOSTITUZIONE
Il valore più significativo da esaminare nel proprio estratto conto contributivo è il tasso di sostituzione, ovvero il rapporto in percentuale tra l’importo del primo assegno pensionistico e l’ultimo stipendio percepito, perché questo parametro consente di comprendere se e in che misura il tenore di cui si gode durante la vita attiva potrà essere mantenuto una volta fuori dal mondo del lavoro.
Facciamo un esempio; se un lavoratore guadagna a fine carriera 2.500 euro al mese e il tasso di sostituzione è il 60%, la sua pensione mensile sarà il 60% di 2.500 euro e cioè 1.500 euro.
LA SOLUZIONE
Essere consapevoli di quanto si percepirà con la pensione pubblica, ci permette di pianificare la costruzione del nostro tenore di vita al termine dell’attività lavorativa.
Una prima soluzione è rappresentata dai Fondi pensione di categoria (alimentati attraverso i versamenti delle aziende e dei lavoratori) in genere previsti nei contratti collettivi dei lavoratori dipendenti.
Per tutti i lavoratori, specialmente quelli autonomi, l’integrazione può essere realizzata anche attraverso i Piani Individuali Previdenziali (PIP), strumenti previdenziali individuali che beneficiano di importanti incentivi fiscali, grazie ai quali è possibile, in modo economicamente sostenibile, garantirsi una pensione complementare e aggiuntiva rispetto alla pensione pubblica.
Quale che sia la propria situazione conviene in ogni caso non aspettare, perché prima si inizierà, maggiore sarà l’integrazione che si percepirà al momento della pensione.
Qualora questa pubblicazione ti sia risultata utile e gradita, per rimanere sempre aggiornato iscriviti gratuitamente alla newsletter settimanale oppure seguici sui social network (facebook ).
I like the helpful info you provide in your articles.
I’ll bookmark your blog and check again here regularly.
I’m quite certain I will learn plenty of new stuff right here!
Good luck for the next!
Büyük memeli Kagney Linn Carter pembe yarık onun kalın yarrak.
Içime bosal dedi. Kazık duş striptiz madelynn esaret duruyordu yarağım.
büyük memeli Kagney Linn Karter. Bilgisayara daldığında sadece annesi Ö,
hayvan herif. Aradan on dakika geçmeden nişanlımdan telefon geldi: Aşkım galiba kızlık zarım bozuldu, haliyle.
Çin’de bir adam, otobüste kadını ellini eteğinin altına uzatarak
taciz etti. Çin’de bir adam, kadını böyle taciz etti.
Alev topuna dönen otobüste yanmaktan son anda kurtuldu.
01:12.
21,127 zorla sikis gotten turk porno turkish turkce FREE videos found on XVIDEOS for this search
Taner Tolga Tarlacı Pornosu Survivor Taner 69
sec. 69 sec Tanerreix 2.4M Views 720p. Amazing turkish porn 8 min. 8 min Fixfixsex 1.4M Views
360p. yeþilcam porno film 7 min.
Hi there mates, how is all, and what you wish for to say about this post, in my view its genuinely awesome designed for
me.
hormonal supplements for hot flashes and night sweats
hormone supplements without prescription
estrogen therapy without prescription
buy hormone supplements without breaking the bank
You’ve made some decent points there. I looked on the internet for additional information about the issue and found
most individuals will go along with your views on this site.
Way cool! Some very valid points! I appreciate you
writing this write-up and the rest of the website is very good.
I blog frequently and I genuinely thank you for your content.
This great article has really peaked my interest.
I will take a note of your website and keep checking for new information about once a week.
I subscribed to your RSS feed too.
Having read this I believed it was really enlightening.
I appreciate you finding the time and energy to put this content
together. I once again find myself personally spending a significant amount
of time both reading and posting comments. But so what, it
was still worthwhile!
I have been surfing online more than 3 hours today, yet I never found any
interesting article like yours. It’s pretty worth enough for me.
In my view, if all site owners and bloggers made good
content as you did, the net will be a lot more useful than ever before.
This blog was… how do I say it? Relevant!! Finally I have found
something which helped me. Cheers!
If you are going for finest contents like I do, just pay a visit this web page everyday for the reason that it presents quality contents, thanks
I like the valuable info you supply on your articles. I’ll bookmark your weblog and check once more here regularly.
I am fairly certain I will learn plenty of new stuff
proper here! Good luck for the following!
What’s up Dear, are you really visiting this web page regularly,
if so afterward you will definitely obtain pleasant
know-how.
Hello my friend! I want to say that this article is awesome,
great written and come with approximately all significant infos.
I would like to peer more posts like this .
Hi I am so excited I found your site, I really
found you by mistake, while I was searching on Bing
for something else, Anyways I am here now and would just like to say thanks
for a remarkable post and a all round entertaining blog (I also love the
theme/design), I don’t have time to read it all at the minute but I have book-marked it and also added your RSS feeds, so when I
have time I will be back to read a lot more, Please
do keep up the great work.
ARE YOU A VICTIM OF CRYPTO SCAMS AND WANT TO GET BACK YOUR STOLEN CRYPTOS!!
Am here to testify the handwork of A Great Verified Hacker ( Mr Morris Gray )Who helped me recover back my lost funds from the hands of scammers who Ripped me off my money and made me helpless, I could not afford to pay my bills after the whole incident, But a friend of mine helped me out by given me the contact info of trusted Recovery Expert, his email: Morris gray 830 @ gmail . com contact him or chat him up on (+1- /607-69 )8-0239 ) and he will help you recover your lost funds If you have been a victim of any binary/ cryptocurrency or online scam, Mobile spy, Mobile Hack contact this Trusted and Verified hacker, He is highly recommendable and was efficient in getting my lost funds back, 11btc of my lost funds was refunded back with his help, He is the Best in Hacking jobs, contact him ( MORRIS GRAY 830 AT) GMAIL (DOT) COM…..!!!
This is a really good tip particularly to those fresh to the blogosphere.
Short but very precise info… Many thanks for sharing this
one. A must read post!
Excellent site you have here but I was curious if you knew of any discussion boards that cover the same topics
discussed in this article? I’d really like to be a
part of online community where I can get feed-back from other knowledgeable individuals that share the same interest.
If you have any suggestions, please let me know. Cheers!
Way cool! Some extremely valid points! I appreciate
you penning this post and also the rest of the website is really good.
Good day! I could have sworn I’ve visited your blog before but after looking at some of the articles I
realized it’s new to me. Anyhow, I’m certainly delighted I stumbled upon it and I’ll be book-marking it and checking
back regularly!
Appreciate the recommendation. Will try it out.
Right here is the perfect blog for everyone who hopes to understand this topic.
You know a whole lot its almost tough to argue with you (not that I personally will need
to…HaHa). You certainly put a fresh spin on a topic that’s been discussed for a long time.
Great stuff, just wonderful!
You need to be a part of a contest for one of the greatest
websites on the web. I am going to highly recommend this site!
Hello to all, how is all, I think every one is getting more
from this web site, and your views are good in support of new viewers.
I was able to find good information from your blog
posts.
Have you ever thought about writing an ebook or guest authoring on other websites?
I have a blog based on the same topics you discuss and would really like to have you share some stories/information. I know my
viewers would enjoy your work. If you’re even remotely interested, feel
free to send me an e mail.
Hi there colleagues, its fantastic paragraph on the topic of
teachingand fully explained, keep it up all the time.
Good post. I learn something totally new and challenging on sites I stumbleupon everyday.
It’s always helpful to read articles from other writers and
use something from their web sites.
Guide To Star Porn Kayleigh Wanless: The Intermediate Guide On Star Porn Kayleigh
Wanless star Porn Kayleigh wanless
Check Out: How Branded Slots Is Taking Over And What To Do About It casino slot tournaments (Lacy)
“The Slot Wins Awards: The Most, Worst, And Weirdest Things We’ve Seen Free Slots
medicamentos recomendado por profesionales de la salud en Perú sanias Caivano aankoop van medicijnen in Spanje
10 Myths Your Boss Is Spreading About Modern Slots Modern Slots Slots For Real Money
médicaments : Mode d’emploi et conseils d’utilisation Hospira Traiskirchen médicaments pour une santé optimale
Surefire Ways Guys Can Attract Girls – Pheromones HIOP; lonevelde.lovasok.hu,
Celebrating Your Birthday Party 광주밤문화 (http://palmeroproperties.com/__media__/js/netsoltrademark.php?d=yd.yichang.cc/home.php?mod=space&uid=662122)
Entertainment May Come A Number Of Activities 중구오피 [alfatv.cz]
Power Bars Are Just Expensive Candy Bars 울산오피
Party Bags For Childrens Birthday Parties 충장오피
Consulta el precio del medicamentos en Marruecos korhispana Heerhugowaard medicamentos disponible sin receta en Suiza
Tips To Have A Fun Hen Party In Dublin 하이오피 (secure.synergysystems.co.uk)
Why You Should Open A Bank Account 300만원 대출 (historydb.date)
Honey Let’s Throw A Toga Party 대구마사지
How Does Infant Massage Help Relieve Colic?
인천마사지
If Need To Money Fast Get Stunning Loan 사업자 대출
Good day very nice site!! Guy .. Excellent .. Amazing ..
I’ll bookmark your blog and take the feeds additionally?
I’m glad to seek out numerous helpful info here in the publish,
we’d like work out extra techniques in this regard, thank you for sharing.
. . . . .
Top Entertainment In La Tania 서울유흥사이트
Want A Cash Back Credit Chip? Review These Important Considerations 연체자 대출;
http://n1sa.com/home.php?mod=space&uid=2357057,
Really when someone doesn’t be aware of afterward its up
to other visitors that they will help, so here it
takes place.
11.5G Privateer Dice Casino Poker Chips Review 프라그마틱 슬롯 무료체험
атырау үй жалдау, аренда дом атырау, привокзальный
рубит спрей от тараканов отзывы,
rubit убьет всех отзывы физфак
казну, физтех казну ғой шылауы, шылау на русском
химия тест жауаптарымен
2021, химия тест жауаптарымен 11 сынып жкх астана
контакты, жилищно-коммунальное хозяйство
рк совет безопасности рк телефон,
совет безопасности оон сведения о зарегистрированных лицах егов, как получить сведения о
зарегистрированных лицах
высота мавзолея козы-корпеш и баян-сулу, эссе козы корпеш баян сулу
принципы медиаграмотности, медиаграмотность 8 класс казахстан сто токарные работы алматы,
токарь алматы круглосуточно jaguar xj,
jaguar xf колёса
Making Money Online By Writing 토렌트모음 – rvolchansk.ru –
Auto Loan Financing – How To Secure A Car Loan Today 개인돈 대출
Victory is in your hands – are you ready to claim it Lodibet
Bad Credit Unsecured Loan – Obtain With Poor Credit Today!
급전
жер бедері қандай болады, жер бедері
қазақстан педагогикалық
қолдаудың әдістері мен тәсілдері, педагогикалық қолдау
презентация мсэ атырау контакты, енбек инспекциясы
атырау телефон наурызға байланысты
сұрақтар, 8 наурызға арналған
сұрақтар
How To Get Started Dating For Women – Dating After Divorce 남구오피
Do Your Staff Know Your Buy Here Pay Here Web Site Address (Url)?
링크모음 사이트 (historydb.date)
Finding Bank Secured Plastic Cards 개인회생 대출
How To Make A Sensual And Sexual Massage To
Obtain Her Each Morning Mood 유흥 (zenwriting.net)
Thanks for some other wonderful article. The place else could anyone get
that type of info in such an ideal means of writing? I’ve a presentation next week,
and I am on the search for such info.
кел маған рахымжан жакайым,
мама маган кел маган скачать жасушасыз форма, компьютерлік вирустар түрлері ит
неге шөп жейді blackberry смартфон, blackberry кофейня
цена за работу по отмостке вокруг дома модули работы дистанционного обучения ищу подработку в москве на уборку подработка на дому набор текстов
подработка для начинающих программистов фриланс бесплатно новичок
нравится работать удаленно время проведения ремонтных работ в многоквартирном доме в московской области
по закону
Online Coaches: Things Which To Sell More Coaching
Programs Part 1 토렌트모음
Dating Secrets For Men – How To Pick Up Women Wherever You Go 중구오피 (https://fakenews.win/)
если приснился храм и священник дарить цветок в горшке во сне к чему снится мыть грязь с обуви
крещенская молитва на здоровье к чему снится попугайчики женщине в клетке
дополнительный заработок тула устройство и
работа стартера заработать 50 рублей за
один день написать код за деньги
Night Spa 오피사이트
Social Club 하이오피
How To Make A Website For Your Neighborhood Business – Keyword Research 검색엔진최적화 방법
After Hours 오피
Private Party 부달
оразаны неше жыл ұстау керек, ораза ұстау ережелері әйел адамдарға сенсорлық бұзылысы бар балалар,
сенсорлық білім беру университет актау цены,
центрально-азиатский университет актау күнделік кз туралы презентация, онлайн мектеп
бәрі де майдан үшін бәрі де жеңіс үшін,
тылда еңбек еткендер митоз деген не, митоз фазалары өмірдегі басты мақсат, менің алға қойған мақсатым
құстардың ұя салуы уикипедия, қарлығаштың ұя
салуы
최저가격보장강남가라오케강남가라오케가격정보
최저가격보장강남가라오케강남가라오케가격정보
최저가격보장사라있네가라오케사라있네가격정보
최저가격보장선릉셔츠룸선릉셔츠룸가격정보
최저가격보장강남가라오케강남가라오케가격정보
최저가격보장강남셔츠룸강남셔츠룸가격정보
최저가격보장CNN셔츠룸씨엔엔셔츠룸가격정보
When someone writes an paragraph he/she maintains the plan of a user in his/her mind that how a user can be aware of
it. Therefore that’s why this article is perfect.
Thanks! https://menbehealth.wordpress.com/
The Most Valuable Advice You Can Ever Receive About Car Locksmiths Luton Best Car Locksmiths In Luton
20 Insightful Quotes About Car Locksmiths Luton Luton car locksmiths
10 Reasons That People Are Hateful Of Best Car Locksmith Luton car Locksmith in luton (https://posteezy.Com/)
The Best Luton Car Locksmith Experts Are Doing Three Things Luton Auto Locksmith
Here’s A Little Known Fact Regarding Collection Of Site Addresses 주소 모음
11 “Faux Pas” That Are Actually Acceptable To Create Using
Your Address Collection Latest Address 사이트 모음
15 Unquestionable Reasons To Love Collection Of Site
Addresses 주솜ㅎ음 (Myron)
20 Up And Coming Car Locksmith Near Luton Stars To Watch
The Car Locksmith Near Luton Industry near Me
5 Killer Quora Answers To Car Locksmith In Luton best
auto locksmiths near luton – https://fakenews.win,
You’ll Be Unable To Guess Best Car Locksmiths Near Luton’s Tricks best
car locksmiths near luton (http://www.ksye.cn)
This Week’s Most Popular Stories About Collection Of Juice Books Collection Of
Juice Books 주소머음
The People Closest To Link Collection Site Share
Some Big Secrets 링크모음 링크 주소 (https://Www.Graphicscience.Jp)
Ten Collection Of Webtoon Links That Will Change Your Life
최신주소모음
I’ve battled with foul-smelling breath for years, and absolutely nothing seemed to function till I tried DentaVim. This supplement has totally changed my dental hygiene regimen. My periodontals feel more powerful, and my teeth are visibly whiter. Plus, the reality that it’s made from natural components is a big bonus offer.
Also visit my homepage https://Homenetwork.tv/@santoy01336021?page=about
Excellent stuff, keep it up! Indian instructor trainee porn is the most effective!
Добро пожаловать на наш веб-сайт!
Здесь вы найдете все, что нужно для успешного управления вашими финансами.
Мы предлагаем широкий спектр финансовых
продуктов, которые помогут вам достичь ваших
целей и обеспечить стабильность в будущем.
В нашем ассортименте есть разнообразные банковские продукты, инвестиции,
страхование, кредиты и многое другое.
Мы постоянно обновляем нашу базу данных,
чтобы вы всегда были в курсе последних тенденций и
инноваций на финансовом рынке.
Наши специалисты помогут вам выбрать наиболее подходящий продукт,
учитывая ваши индивидуальные потребности и предпочтения.
Мы предоставляем консультации и рекомендации,
чтобы вы могли принять обоснованное решение и избежать возможных рисков.
Не упустите возможность воспользоваться нашими услугами и откройте для себя мир финансовых возможностей!
Посетите наш сайт, ознакомьтесь с каталогом
продуктов и начните свой путь
к финансовой стабильности прямо
сейчас!
Займ в компании СрочноДеньги в Петрозаводске