LA VERA VERITA’ SULLE PENSIONI di GIOVANNI PALLADINO

DAL DIRITTO … Art. 38 della Costituzione I LAVORATORI HANNO DIRITTO CHE SIANO PREVEDUTI E ASSICURATI MEZZI ADEGUATI ALLE LORO ESIGENZE DI VITA IN CASO DI INFORTUNIO, MALATTIA, INVALIDITÀ E VECCHIAIA ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ __________________________________________________________________________

… AL DOVERE “LO STATO SOCIALE NON DEVE SOFFOCARE GLI INCENTIVI, LE OPPORTUNITÀ E IL SENSO DI RESPONSABILITÀ DEI LAVORATORI, MA PIUTTOSTO DEVE INCORAGGIARE GLI SFORZI INDIVIDUALI PER CONSEGUIRE UN LIVELLO DI VITA SUPERIORE AI LIVELLI MINIMI GARANTITI DALLA PREVIDENZA SOCIALE” ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ __________________________________________________________________________ William Beveridge, 1946 Fondatore del “Welfare State”

LA GENEROSA RIFORMA BRODOLINI DEL 1969 SI PASSA DAL SISTEMA CONTRIBUTIVO (“MANICA STRETTA”) AL SISTEMA RETRIBUTIVO (“MANICA LARGA”) ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ _____________________________________________________________

UNA PROFEZIA SBAGLIATA “Questa riforma non chiede niente ai padroni, niente, neppure una lira!” On. G. POLOTTI (21 Marzo 1969) ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ _____________________________________________________________

INFATTI … (Aliquota di contribuzione INPS per i lavoratori dipendenti del settore privato) % 35 33% 30 RIFORMA BRODOLINI 25 20% 20 1969 15 10 ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ _____________________________________________________________ 5 1940 1950 1960 1970 1980 1990 2000 2006

UN ROSSO POCO CONOSCIUTO Miliardi di euro DISAVANZO 1990 1996 1995 2000 2007 2005 Fonte: Nucleo Valutazione Spesa Previdenziale - Ministero del Lavoro 6

L’ANOMALIA ITALIANA ITALIA 18 24 1,41 FRANCIA 14 26 1,86 GERMANIA 19 NUMERO PENSIONATI (MILIONI) B. NUMERO CONTRIBUENTI (MILIONI) C. RAPPORTO (B/A) ITALIA 18 24 1,41 FRANCIA 14 26 1,86 GERMANIA 19 38 2,00 G.B. 11 29 2,64 ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ __________________________________________________________________________ U.S.A. 50 175 3,50

LA DURA (A REGIME) RIFORMA DINI DEL 1995 Nel 1995 sono stati creati 3 tipi di pensionati: I FORTUNATI DEL REGIME RETRIBUTIVO 1) Il 31/12/95 avevano più di 18 anni di anzianità contributiva 2) I MENO FORTUNATI DEL REGIME MISTO Il 31/12/95 avevano meno di 18 anni di anzianità contributiva ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ __________________________________________________________________________ GLI SFORTUNATI DEL REGIME CONTRIBUTIVO 3) Hanno iniziato a lavorare dopo il 31/12/95

IL PARADOSSO DELLE RIFORME SI PASSA DAL SISTEMA RETRIBUTIVO CHE HA DATO POCO A TANTI E TANTO A POCHI AL SISTEMA CONTRIBUTIVO CHE DARÁ POCO A TUTTI ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ __________________________________________________________________________

LE BRICIOLE A TANTI, IL PANE A POCHI Importo lordo mensile Peso % N° pensionati Peso % Spesa Importo MEDIO 44,3 21,3 € 560 Fino a € 999 Da € 1.000 a € 1.999 41,6 46,6 € 1.310 € 2.000 e più 14,1 32,1 € 2.663 Fonte: INPS

IL FISCO INCENTIVA LA PENSIONE PRIVATA CONTRIBUTI DEDUCIBILI SINO A UN MASSIMO DI 5.164,57 EURO = 10.000.000 LIRE RENDIMENTI ANNUI TASSATI ALLA FONTE CON L’ALIQUOTA RIDOTTA DELL’11% PRESTAZIONI FINALI (RENDITA E CAPITALE) TASSATI ALLA FONTE CON ALIQUOTE VARIABILI DAL 15% AL 9% A SECONDA DELLA DURATA DELL’INVESTIMENTO

CON LA DURATA CRESCENTE LA RITENUTA D’IMPOSTA È DECRESCENTE IL FISCO INTELLIGENTE CON LA DURATA CRESCENTE LA RITENUTA D’IMPOSTA È DECRESCENTE DURATA DEL FP O DEL PIP RITENUTA D’IMPOSTA (ANNI) (%) 15 15,0 20 13,5 25 12,0 30 10,5 35 9,0

LA MATEMATICA NON E’ UN’OPINIONE LASCIARE IL TFR IN AZIENDA VUOL DIRE: OTTENERE UN BASSO RENDIMENTO (1,5% + 75% DEL TASSO DI INFLAZIONE) REGALARE TANTI SOLDI AL FISCO

DELL’IMPRENDITORE PREVIDENTE LA GIUSTA RIFLESSIONE DELL’IMPRENDITORE PREVIDENTE SE CEDO IL TFR: HO MINORE AUTOFINANZIAMENTO OGGI, MA TANTO DEBITO IN MENO DOMANI SE NON CHIEDO I SOLDI PER IL TFR ALLA BANCA HO UN MAGGIORE RISPARMIO FISCALE, CONTRIBUTIVO E QUINDI FINANZIARIO NON PRODUCO UN DANNO FINANZIARIO AI MIEI DIPENDENTI E PERTANTO FACCIO I LORO INTERESSI

IL RISPARMIO PER L’IMPRENDITORE IPOTESI: 10 DIPENDENTI CON STIPENDI LORDI DI EURO 300.000. TRASFERIMENTO A FONDI PENSIONE O POLIZZE PREVIDENZIALI DEL TFR (EURO 20.730) SENZA CHIEDERE UN PRESTITO BANCARIO. Minori oneri impropri 750 Minori interessi passivi 622 Fine del premio all’INPS 600 Minore IRES 410 Risparmio TOTALE 2.382

CHI HA PIÙ BISOGNO DI ESSERE SALVATO? SOPRATTUTTO I LAVORATORI CON REDDITO MEDIO-ALTO CHE SARANNO PENALIZZATI DALLA PREVIDENZA PUBBLICA PER CONSENTIRE ALL’INPS DI AUMENTARE GRADUALMENTE LE PENSIONI BASSE.

L’ITALIA È APPENA ALL’INIZIO N° di partecipanti ai fondi pensione (in milioni) 4,6 3,2 3,0 2,6 2,7 2,4 2,1 ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ _____________________________________________________________ 2001 2002 2003 2004 2005 2006 2007

MA CHI PAGHERÀ LA PENSIONE PRIVATA? LO SVILUPPO DELL’ECONOMIA MONDIALE ANNI 50 ANNI 60 ANNI 70 GUERRA FREDDA ANNI 80 DIALOGO ANNI 90 COOPERAZIONE INTEGRAZIONE ECONOMICA CRESCENTE 21º SECOLO – IL SECOLO GLOBALE

DAL LAGO ALL’OCEANO • SINO A 30 ANNI FA L’ECONOMIA MONDIALE ERA “TRAINATA” SOLO DA 31 PAESI. • IL 75% DEL PIL GLOBALE ERA PRODOTTO E CONSUMATO DAL 20% DELLA POPOLAZIONE MONDIALE. • IL RESTANTE 80% VIVEVA CON IL 25%.

A 30 ANNI DAL “RISVEGLIO” LA SITUAZIONE È LA SEGUENTE (dati al 2007): IL VIAGGIO NELL’OCEANO È APPENA INIZIATO A 30 ANNI DAL “RISVEGLIO” LA SITUAZIONE È LA SEGUENTE (dati al 2007): POPOLAZIONE PIL PRO-CAPITE 31 PAESI 15% 56% $ 36.860 RESTO DEL MONDO 85% 44% $ 2.200

CRESCITA DEL PIL MONDIALE IN MILIARDI DI $ IL SORPASSO E’ VICINO CRESCITA DEL PIL MONDIALE IN MILIARDI DI $ 40.000 35.000 30.000 25.000 20.000 15.000 10.000 5.000 56,3% 58,5% 43,7% 62,7% 41,5% 63,8% 63,6% 37,3% 63,2% 35,2% 70,8% 36,4% 36,8% 29,2% Fonte: International Monetary Fund

(Valore del commercio mondiale in miliardi di $) IL MONDO È APPENA ALL’ALBA DELLO SVILUPPO (Valore del commercio mondiale in miliardi di $) Miliardi di $ 30.000 25.000 20.000 15.000 10.000 5.000 25.850 12.200 4.450 1987 1997 2007 Fonte: WTO

ERGO: MAI COME OGGI E’ RAZIONALE … SODDISFARE ESIGENZE DI LUNGO TERMINE CON INVESTIMENTI COLLEGATI ALLO SVILUPPO DELL’ECONOMIA MONDIALE