PREVINDAI provides benefits through a system of INDIVIDUAL CAPITALISATION of contributions.
The investment offering to members provides the option to choose between three different sub-funds (or compartments), each characterised by a different risk/return profile. These are, the Guaranteed Assicurativo 2024, which not only protects the capital (it is not possible to incur losses) but also provides a minimum return of 0.5%; the Bilanciato, of the Prudente, which has a strongly bond-focused composition, of the Bilanciato, which has a portfolio consisting of bonds and stocks with a slightly greater weighting of the former, andwhich has a portfolio primarily consisting of bonds, although with a significant equity (stock) component; the Sviluppo, which has a predominantly equity (stock) composition.
Furthermore, Previndai allows for maximum customisation of one’s pension investment, with the possibility of choosing more than one sub-fund simultaneously. It is also possible to decide to choose one or more sub-funds for the already accumulated position and another or others for future contributions, or to allocate both to the same sub-funds.
