Introduction

    Regulating documents

    You can contribute voluntarily to the Fund – without the intermediary of the employer – to further increase your pension position.

    Voluntarily paid contributions are considered deductible expenses up to the limit of €5,164.57 annually.

    The Fund will annually certify the total amount of voluntarily paid contributions: it will be your responsibility to determine the amount not deducted based on any deductions made or to be made through the 730/UNICO models.

    Voluntary payments, as such, do not bind you in any way: you can freely determine the amount – provided it is at least €100.00 – and choose, at any time, to suspend them or modify the amount. In case of a payment of less than €100.00, the sum will remain set aside with Previndai – in a non-interest-bearing deposit – and will be invested only when, following a further payment, the indicated minimum threshold is reached.

    Voluntary payments are invested according to the last compartment choice you made for your contributions and become, for all intents and purposes, part of your individual position, contributing to the determination of your benefit just like other types of contributions.

    Depending on your requirements, you can contribute voluntarily to the Fund through Voluntary Contribution or Voluntary Continuation.

    The request to make voluntary payments must be activated using the “Pros/Contr Volontaria” function available in the reserved area of the website, which, upon completion, allows you to obtain the form to be sent to the Fund to finalize the request.

     

    Voluntary contribution

    You can activate the voluntary contribution if you have an active employment relationship that gives rise to a contribution to Previndai, even if you are enjoying a period of unpaid leave.
    Should the employment relationship cease, your option to contribute voluntarily ends and the related practice is automatically closed; in this case, if you intend to continue paying voluntarily, you can activate a Voluntary Continuation practice, provided the requirements are met.

    Voluntary continuation of contribution

    You can activate voluntary continuation in the absence of an employment relationship that gives rise to a contribution obligation towards Previndai, provided you are not receiving the total temporary early supplementary pension (RITA).

    Do you meet the requirements for old age pension?

    You can activate voluntary continuation if:
    • you have terminated the employment relationship that gave rise to a contribution to Previndai and you can claim at least one year of contributions to supplementary pension schemes;
    • you have joined Previndai solely through the transfer of the position established with another fund (Article 5, paragraph 1 bis of the Statute) and you can claim at least one year of contributions to supplementary pension schemes;
    • you joined Previndai as a fiscally dependent family member, you subsequently lost that status, you are an adult, and you can claim a minimum membership period of one year with Previndai with at least one contribution started in the management.

    You do not meet the requirements for old age pension yet?

    You can activate voluntary continuation if:
    • you have terminated the employment relationship and you can claim at least one contribution to Previndai;
    • you have joined Previndai solely through the transfer of the position established with another fund (Article 5, paragraph 1 bis of the Statute);
    • you joined Previndai as a fiscally dependent family member, you subsequently lost that status, you are an adult, and you can claim at least one contribution started in the management.

    To exercise the option of voluntarily continuing contributions, you must outline a financial program in which you define the amount and the frequency of the contribution payments. You can change the program at any time with three months’ notice.

    Your option to voluntarily continue contributions ceases (the related practice will therefore be automatically closed) in case of:

    • liquidation or transfer of your position to another fund;
    • establishment of a new employment relationship that involves contribution to Previndai.
    If you establish an employment relationship that gives rise to a contribution to Previndai and you still want to continue paying contributions outside of that relationship, you can activate, if you meet the requirements, a Voluntary Contribution practice.