Fondo Pensione

Fondo pensione

Il fondo pensione è un fondo comune aperto, simile ai fondi di investimento tradizionali, ma con obiettivo previdenziale.

Ogni fondo pensione ha diverse linee di investimento. In questo modo il lavoratore potrà scegliere il proprio profilo di rischio, passando da uno più aggressivo ad uno più prudente in base alle proprie necessità.

Fondi pensione aperti

Sono promossi e gestiti da banche, compagnie di assicurazione o SGR. Qualunque lavoratore può accedervi, a prescindere dalla categoria di appartenenza. Essi raccolgono quindi sia i lavoratori la cui categoria non dispone di un fondo chiuso, sia coloro i quali sono delusi dal fondo negoziale.

Presentano di norma costi più elevati rispetto ai fondi chiusi.

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Fondi pensione: sono davvero convenienti per tutti?

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