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TFR, UN BEL REBUS! - Polidream

TFR, UN BEL REBUS!


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Entro il 30 giugno i lavoratori dipendenti devono decidere cosa fare della loro liquidazione, ma la scelta non è davvero facile.

Le opzioni sono 3:

– devolvere le quote in un fondo di previdenza integrativa;

– lasciare il "mondo come sta", cioè continuare a dare le somme all’azienda;

– non esprimere alcuna opzione.

Nel primo caso il lavoratore si aggancia ad un fondo pensionistico, sul quale però vi sono grandi ombre, perchè la legge non ha creato un sistema di garanzie per l’assicurato (capitale minimo garantito, riscatto, etc.).

Nel secondo caso, se il dipendente fa parte di un’azienda con più di 50 lavoratori, il TFR va a finire nelle casse dell’INPS, con tutti i dubbi sul futuro che questo comporta.

Nel terzo caso, le quote finiscono lo stesso in un fondo pensione.

Insomma, un bel guazzabuglio per i lavoratori: si rischia, fra l’incudine delle polizze integrative e il martello dell’INPS, di essere più tranquilli lasciando i quattrini in mano all’azienda. Proprio come ora!