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Severance pay: what to do?

In recent weeks a very salient issue from the people who write to me is the choice to do for their TFR. Let
in business? (For those who work in companies with fewer than 50 employees)
Intended for pension funds? If yes to those such as open or closed?
into the fund created under the Social Security?

It is very difficult choices and that will certainly reflected also in the medium to long term given the importance that the liquidation has always had for many workers.

A certain fact exists, the system is designed to provide retirement income more and more "poor" in the coming years, given the increases in life expectancy, reducing the number of employed compared to pensioners and even the nefarious past choices.
It is inconceivable that the Government can do something to increase future pensions, for simple economic reasons, to give more generous pensions should increase taxes again, which leads the state to recover from a side that has given by 'else. Let us see what

recommend it to all those facing this difficult decision

start with the basic tips for any financial choice:

1. What time does your optical investment?
   In more concrete terms, how old you are missing the board?
2. What do you think you need to use make your payment?

Based on optical time we begin to give some indications.
Pension funds often differ for LINE INVESTMENT chosen, or the financial instruments in which money is invested.
less risky and potentially less productivity and investment in government bonds in the medium term, this line is usually defined as conservative.
Adding bonds before operations and then to the fund's portfolio, makes the line more risky and therefore potentially more profitable.

But if the equity investment is more profitable because they provide more prudent LINES and less profitable? Because, as explained many times on this blog, the time is as important as the need or not, at some point, to dispose of their funds for unforeseen expenses.

While it is true that stock markets have almost always in the long term (15-30 years), higher returns than those offered by bonds or government bonds, it is said that this happens even on shorter (3-10 years).
This means that investing money in a liquidation of your retirement fund with a strong compenent equity, if it's a good idea if you have 30 years and the prospect of working for 30 years, has not said that it is if you have 55 or 60 and you vicini alla pensione.

Lo stesso si può dire riguardo all'utilizzo dei vostri soldi, se pensate di non volerli utilizzare se non in casi davvero eccezionali per tutto il periodo, è bene puntare su una componente di azionario più forte, in caso contrario, se avete già deciso che dopo 8-10 anni utilizzerete quanto accumulato per acquistare la prima casa, dovete considerare questo come il periodo per il quale scegliere il mix giusto, anche se avete davanti 30 anni di lavoro.

Quanto ai fondi pensione ed alle altre forme pensionistiche vi sono principalmente: i fondi pensione aperti, i fondi pensione chiusi, i piani pensionistici individuali (PIP).

Ciascuno ha proprie caratteristiche, ma di questo parleremo in un prossimo post.

Intanto se avete dubbi o domande specifiche, scrivetemi e vi risponderò qui o in privato.