Last week, on the sidelines of his speech at the Graduation day at the Catholic University of the Sacred Heart in Rome, during which he also gave the official start to the operation of the orange envelopes, the president of INPS, Stefano Boeri, arousing as usually a hornet's nest of controversy, it has raised a real alarm over the future of young people born in 1980. According to Boeri, anyone who is 36 today risks retiring at 75 due to rampant unemployment, late entry into the world of work, the low salaries received and the contribution gaps due to the precariousness.
Alarming prospects which inevitably triggered a reaction from public opinion and from politicians currently engaged in the "exit flexibility" game.
The risk, in other words, is that of retiring later and later and moreover with a paltry check. At this point, therefore, it seems appropriate to run for cover. Public welfare is no longer the only parachute for old age, but there are alternative solutions which, prepared right now, can help thousands of people to spend the years following retirement in a more serene way, such as supplementary funds, policies, real estate investments. Roads that must be started in the present to have greater security in the future.
As far as pension funds are concerned, there are two options available to workers today: closed-end negotiable pension funds which, as explained by Giuseppe Romano, director of the Consultique research office, in the pages of La Stampa, also provide for contributions from the employer. Their advantage lies in low costs and tax deferral.
The second option is that of open pension funds. Through these financial instruments it is possible to accumulate a small amount of capital on a monthly basis which in the future will take the form of an additional "nest egg" to the pension. Their operation is very simple: every month the future beneficiary must pay a small sum which he will then collect in the future. The sooner it starts, the better.
In addition to the pension funds, there are also pip policies through which it is possible to invest in unit-linked products or in separate management. Finally, it is also necessary to take into consideration the properties that can become an important reserve of liquidity for the future. The important thing is to think about it as soon as possible.
