This section contains information regarding the conditions, benefits, and procedures for joining the Fund.”

    Joining Previndai: How and Why!
    We speak with Alessandro Briganti about joining the Fund and the various contribution options available.

    Who can join

    You can enroll if one of the following job contract apply to your work relations:

    NATIONAL COLLECTIVE LABOR AGREEMENT SIGNATORY PARTIES
    dirigenti aziende produttrici di beni e servizi CONFINDUSTRIA – FEDERMANAGER
    dirigenti delle imprese dei servizi di pubblica utilità CONFSERVIZI– FEDERMANAGER
    dirigenti ANAS S.p.a. ANAS – FEDERMANAGER
    dirigenti ENAV S.p.a. ENAV – FEDERMANAGER
     dirigenti dei Consorzi Agrari  ASS. NAZ. DEI CONSORZI AGRARI –
    ASS.NAZ.DIRIGENTI CONSORZI AGRARI –
    FEDERMANAGER
    dirigenza Ente Nazionale Risi ENTE NAZIONALE RISI – FEDERMANAGER
     dirigenti dei Consorzi ed Enti di Sviluppo Industriale  F.I.C.E.I. – FEDERMANAGER

    Why Previndai

    Additional pension benefits

    First of all, you build a supplementary pension that will complement the basic public system through the industry fund, established specifically for this purpose and on a non-profit basis.

    The company contribution

    You can choose to join the Fund by allocating only your TFR (Severance Pay) or by also paying the minimum contribution required by the collective agreement; only in the latter case is the company obliged to pay its own contribution to the Fund. Furthermore, the company has the option to pay additional contributions on your behalf without any maximum limit.

    Favorable tax treatment (italy tax residence required)

    Contributions paid into supplementary pension schemes (excluding TFR/Severance Pay) are deductible from your total income up to a general annual limit of 5,164.57 euros. By annually declaring any non-deducted contributions that exceed this limit, the corresponding amount will be exempt from taxation at the time of payout.
    The pension benefit resulting from deducted contributions and TFR paid starting from 2007 is subject to a 15% withholding tax rate, which can be further reduced based on the number of years of participation in supplementary pension schemes.

    Flexibility

    With its Multi-fund structure (Multicomparto), Previndai offers you maximum flexibility to meet your pension needs and preferences. You can build your future pension benefits based on your time horizon and risk appetite, choosing to split your accumulated balance and/or current contributions across multiple investment sub-funds simultaneously.

    How to apply

    Membership in Previndai is voluntary and, in accordance with the Bylaws, takes place through the employer. To join, you must therefore communicate your intent to the company, which is required to provide you in advance with the documents listed below to help guide your choice. (All documents are in Italian)

    • “Key information to the applicant” – Section I of the Information document

      The document aims at summarize all key information on the Fund, especially the data concerning the management and investment of capital, the performances and the costs.

    • ``Information on Sustainability``

      The document contains information on the sustainability and the possible negative effects on the investment policy of the Fund.

    • “Cost statement sheet” of your current Italian pension scheme (if applicable)

      If you are a member of another Italian pension scheme, at this link you can find the costs sheets of all pension funds registered at Covip and compare costs with those of Previndai.

    • “Application form”

      If you need to apply for membership you shall fill in this form and give it to your employer, therefore they will have all necessary information to proceed with your registration in their personal area.

    • “Privacy policy”

    The employer is also required to draw your attention to the content of the paragraph ‘How much you could receive when you retire’ in the ‘Key Information for the Member’ section (Part I) of the Informative Note. This section is drafted in compliance with COVIP Instructions and contains projections of the individual position and the expected pension benefit for several model profiles: the information in this paragraph is intended to allow you to assess the suitability of various alternative options in relation to the pension coverage goals you intend to achieve.

    Are you already a member of Previndai and you are moving to another company?
    You do not need to activate a new membership because, under current regulations and the Fund’s Bylaws, the effects of your previous enrollment remain valid (unless you choose to join a different pension fund).
    In this case, you only need to inform your new employer that you are already a member of Previndai; the company is required to contribute to the Fund, in accordance with the choices you have already made, starting from your date of hire or appointment.

    Compare costs

    Compare Previndai’s costs with those of other funds.

    Changes to personal data

    A specific function is available in the Reserved Area that allows members (companies, consulting firms, executives, and fiscally dependent family members) to independently update their personal details.
    The fields that can be updated are:

    • Address;
    • Email;
    • Certified Email (PEC);
    • Telephone/Fax.

    For companies, any request to change the company name or tax code must be communicated to the Fund via email at anagrafico@previndai.it, attaching a copy of the updated Chamber of Commerce certificate (visura camerale).
    In the case of members, changes to Name and Surname, Place and Date of Birth, or Tax Code must be communicated to the Fund via email at anagrafico@previndai.it, attaching a copy of the Tax Code card and a valid identity document.