(Finance) – Only 13% of Italians thinks he will receive a check that will allow him to maintain an adequate standard of living once he leaves the world of work. the majority (80%) say they are pessimistic on the possibility of counting on an adequate basic pension and, of these, 34% fear that they will not even have a pension or sufficient savings to draw on to supplement it. This is what emerges from the latest research by theSara Insurance Observatory.
The main concerns related to retirement are the risk of not being self-sufficient and the inability to sustain expenses (44%)having to rely on the family (26%) for their own economic needs and not being able to help them (25%) due to a lack of savings. Well one in four (23%) fears falling into poverty.
Together with the vision of the pension future, the survey has highlighted and confirmed a low knowledge of the subject among Italians. One in two (51%), for example, is unable to define what supplementary pension is, 27% does not know that TFR can be paid into pension solutions and 32% is unaware of the tax advantages that these offer. 84% also do not inform themselves about the latest news regarding pensions and the reform of the pension system.
In the face of this, however, one in three Italians (33%) say they are interested in evaluating options to make their economic condition more secure in their old age, and thinking about it, understanding how to do it and who to turn to, are in particular young people in the 25-34 age group, where the percentage rises to 45%. These data are consistent with the desire expressed by the interviewees (61%) to acquire a higher level of pension and savings culture in the future and to turn to qualified consultants for their investment decisions.
Among the solutions they would look at to supplement their pension are individual insurance pension plans (28%), deposit accounts (23%) and open or negotiated pension funds (22%). 17% would invest in the financial market and 14% in life insurance policies.
“Being able to have an income supplementing the basic pension is more important than ever today, and will be even more so in the future, given the limited capacity of public welfare to allow those who finish their working career to maintain an adequate standard of living – he declares Emiliano De Salazar, Director of Sara Vita’s Life – Insurance solutions offer the possibility of making the economic condition of one’s old age more secure in a flexible, personalized way and with important tax advantages. It is important to take these investment decisions from a young age because the longer time horizon offers the opportunity to accumulate greater capital with which to face one’s future after retirement with peace of mind”.