Symptoms -of Liver Disease

Pension Funds? SINCE THE CHILDREN ...

Alice nine years and starts in a few days in the fourth grade. His parents - and she even less - have few certainties about the future: student, first, and then professional.

But Alice knows that in fifteen years, roughly when you have finished University, will address the world of work with a piece of luggage . Social Security.


Yes, because Alice's father decided last year to put his daughter to the pension fund complementary which he himself joined. A choice that may seem original, but in reality has many elements of convenience and advantage:

1. begin a plan to build up a pension fund allows Alice to count between fifteen years on a capital - invested with periodic payments by low-cost tools and risk control monitored - with good reason may have re-evaluated in an interesting measure.
   
2. Also, because the parent believes, a major financial crisis is behind us and it is expected to be profitable to start today that "long term", as promised - but not guaranteed - insurance option.
   
3. Moreover, reading the statements of the pension fund, Alice can learn about the basics of the mechanisms that characterize mathematical finance and insurance, for example the calculation of compounded returns. To learn what "culture" in so very common in Italy.


4. But there is another advantage that Alice probably will not consider, but unlike his father's position of social security payments may be fully tax deductible.

Every parent, in fact, can fit up to a maximum of € 5164.57 annual tax deduction for their payments also dependent family members (nothing prevents you to set aside for their children, a figure exceeding that threshold ).


is laid down article 8 paragraph 4, of Law 252/2005, the "Maroni law" reform of the severance pay, but it provided for open pension funds and individual pension plans already under the law 47/2000.La can subtract from the taxable income and voluntary contributions that those of the employer (in case of collective membership) in the pension fund.


And if the member does not reach the threshold of the fateful 5164.57 I was with these two items can use the contributions to a dependent. In other words, the enrollment of children allows fathers (or mothers) to pay less taxes.


Consulting explains a point: enroll their children in a pension fund is not a sacrifice further, but gains an advantage by the tax because the state intends to encourage individuals to build a position for the foreseeable future, and at the same time raise awareness on the subject, interrupting its cliché-state mother who always provides for his children.

Article taken from "Il Sole 24 Ore".