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Pensions: for those who have matured insurance periods do not coincide with time accredited in more mandatory pension plans There are two different tools that can be used to improve them, namely, free accumulation and the get together.
An opportunity that for whom retires in 2020 can be used to accumulate the necessary contributions to retire with the option old age (67 years of age and 20 years of contributions), or use the early retirement (42 years and 10 months of contributions for men, 41 years and 10 months of contributions for women). The same goes for anyone who enters Pension with Fee 100, but in this case, only the contributions credited to the administrations administered by the INPS can be accumulated (therefore, those from professional funds are excluded).
As anticipated, the accumulation is free while the get together it is generally for consideration.
It must be said, however, that choose between these two options is not as simple as it might seem: there are cases, in fact, in which the get together – even if it’s expensive – it’s cheaper compared to heap.
Pensions: when reunification is cheaper than accumulation (and vice versa)
Obviously, as often happens in these cases, it is impossible to generalize: each situation is different from the other and that is why, before making any decision on the matter, it is always good to ask for the advice of an expert.
In any case, it is still possible to have ageneral idea which can be useful to provide you with the necessary elements to make this important decision.
First of all, we must clarify consequences of accumulation and reintegration. The first does not transfer the accrued contributions from one fund to another, with which the worker will obtain, therefore, a single pension check, but in any case composed of more shares than the systems involved. Consequently, each of the interested Entities will liquidate its part of the pension; the rules regarding the calculation of the amount also change according to the corresponding fund.
On the other hand, with reunification, the contributions are effectively transferred to the centralized management, as if it had already been originally accredited in it.
Based on this we can see When rejoining is cheaper than hoarding, and vice versa.
We can say that, in general, reunification is more convenient, even out of consideration, when the interested party has had a career development, that is, professional and salary growth, in the years shortly before your retirement date. In this way, in fact, the pension accrued will be higher than that resulting from the accumulation: this is because the insurance periods that go back in time will be valued based on the salary of the last years accrued at the central bank. It is an operation that allows greater appreciation of wages received in the first years of work thanks to the superiors referred to the last years of the career.
On the contrary, the free accumulation is worth it when the career was not particularly bright and in the case of fairly stable salaries. Not to mention the case, not even so remote, that in recent years – thanks to unemployment, supplementary funds and precarious employment – earned even less than in the early years of his career.
With accumulation, in fact, the insured can safeguard calculation in that management where he has accumulated the best efforts; With regrouping, in addition to having to pay the cost of it, you would run the risk of having a pension even lower than the one you manage to earn through accumulation.
Before concluding, it is worth remembering something else: in the case of contributions accrued in the INPS separate management, this can be assessed only with the accumulation or not with the reinstatement.
For this reason, if to retire you need to combine the contributions earned in two different funds and one of these is Separate Management, then the only possibility will be to resort to the free accumulation (even if meeting would have been more convenient).
