Regulating documents

    You can pay contribution to the Fund on a voluntary basis – without the assistance of the employer – in order to increase your supplementary pension.

    Contribution paid on a voluntary basis are deductible in Italy within the limit of € 5.164,57 per year. The Fund each year will certificate the total amount of the contribution paid on a voluntary basis: it will be your responsibility to communicate the sums that have not been deducted on the relevant Italian tax forms 730/UNICO.

    Contribution paid on a voluntary basis stands by its name: you can determine the amount – the only limit is a minimum of 100,00 € – and at any time you may choose to suspend them or modify the amounts paid.

    Voluntary contribution are invested according to your latest portfolio choice and merge with the other funds you hold and will later determine the amount of the benefits you will receive.

    According to you current situation you can pay contribution on a voluntary basis in two forms: Voluntary contribution and voluntary continuation of contribution payments

    Voluntary contribution

    You can start your voluntary contribution if you are employed with a national contract that provides for the payment of contribution to Previndai, even during periods of unpaid leaves.

    Once the employment contract is terminated, you are not entitled anymore to pay voluntary contribution and your application is closed automatically; however, you can request to start the voluntary continuation of contribution payments, if you meet the relevant requirements.

    Voluntary continuation of contribution

    You can access voluntary continuation of contribution if you do not have a job contract that provides for contribution payments to Previndai, if you are not receiving the RITA installment benefits.

    Do you meet the requirements for old age pension?

    You can apply for the Voluntary continuation of contribution payments if:

    • You terminated the job contract that provided for contribution to Previndai and you have been a member of a supplementary pension fund for at least one year;
    • You became a member transferring your capital from another pension fund (art. 5 par. 1bis of the By-laws) and you have been a member of a supplementary pension fund for at least one year;
    • You applied for membership as dependent family member, afterwards losing this status, you are 18 or older and you have been a member of Previndai for at least one year, and you have minimum one contribution payment under management.

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

    You can apply for the Voluntary continuation of contribution payments if:

    • You terminated the job contract and you have minimum one contribution payment under management;
    • You became a member transferring your capital from another pension fund (art. 5 par. 1bis of the By-laws);
    • You applied for membership as dependent family member, afterwards losing this status, you are 18 or older and you have been a member of Previndai for at least one year, and you have minimum one contribution payment under management.

    When applying for Voluntary continuation of contribution payments, you need to provide a financial plan where you lay out the amounts and the frequency of the payments. You can amend the plan at any time with notice of at least 3 months.

    The application will be automatically closed in case:

    • Your capital is redeemed or transferred to another fund;
    • You start a new job with a contract that provides for contribution to Previndai.

    In this latter case, you can always pay additional contribution without the intervention of your employer, applying for voluntary contribution.