{"id":63346,"date":"2026-06-03T17:57:26","date_gmt":"2026-06-03T15:57:26","guid":{"rendered":"https:\/\/syndicom.ch\/?page_id=63346"},"modified":"2026-06-11T16:33:41","modified_gmt":"2026-06-11T14:33:41","slug":"complan-cassa-pensioni-di-swisscom","status":"publish","type":"page","link":"https:\/\/syndicom.ch\/it\/complan-cassa-pensioni-di-swisscom\/","title":{"rendered":"comPlan: cassa pensioni di Swisscom"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-primary-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-background-color has-text-color has-link-color wp-elements-8ecc628bba31749543aeca8c59e16ffe\"><strong>comPlan: tutto quello che devi sapere sulla cassa pensioni di Swisscom<\/strong><\/h1>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-lead has-background-color has-text-color has-link-color wp-elements-c6aad96f019ac549cf365c1f33f9f495 wp-block-paragraph\">Se lavori per la Swisscom o una delle sue affiliate, sei assicurato presso la cassa pensioni comPlan. syndicom \u00e8 rappresentata nel Consiglio di fondazione, l&#8217;organo supremo di comPlan, e da molti anni si impegna con successo a difesa dei tuoi interessi.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-group is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-fa1b69be wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-background-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\"><strong>Lo scopo di comPlan<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">comPlan \u00e8 la tua cassa pensioni se lavori per la Swisscom o una delle sue affiliate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La cassa pensioni ti assicura contro le conseguenze economiche della vecchiaia, del decesso e dell\u2019invalidit\u00e0. A tal fine, persegue la previdenza professionale obbligatoria e integrativa (2\u00b0 pilastro della previdenza per la vecchiaia). Si tratta quindi di un\u2019assicurazione sociale che, insieme all\u2019AVS, dovrebbe garantirti una buona rendita nella terza et\u00e0.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cosa fa il Consiglio di fondazione?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il Consiglio di fondazione<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"is-style-check\">stabilisce gli obiettivi di prestazione della cassa pensioni<\/li>\n\n\n\n<li class=\"is-style-check\">determina l\u2019aliquota di conversione<\/li>\n\n\n\n<li class=\"is-style-check\">definisce la strategia d\u2019investimento<\/li>\n\n\n\n<li class=\"is-style-check\">regola la gestione<\/li>\n\n\n\n<li class=\"is-style-check\">decide il tasso d\u2019interesse annuale applicato agli averi delle assicurate e degli assicurati attivi<\/li>\n\n\n\n<li class=\"is-style-check\">decide inoltre in merito all\u2019utilizzo dei fondi liberi<\/li>\n\n\n\n<li class=\"is-style-check\">stabilisce un\u2019eventuale partecipazione di pensionate e pensionati.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">syndicom \u00e8 partner sociale di Swisscom. Il partenariato sociale si basa su tre pilastri:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Negoziamo il contratto collettivo di lavoro (CCL).<\/li>\n\n\n\n<li>Negoziamo il piano sociale (che si applica in caso di licenziamenti per motivi aziendali).<\/li>\n\n\n\n<li>Siamo presenti nel Consiglio di fondazione di comPlan, l\u2019organo supremo della cassa pensioni.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Garantiamo una voce forte alle collaboratrici e ai collaboratori nel Consiglio di fondazione.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Il sindacato nel Consiglio di fondazione<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abbiamo voce in capitolo nelle seguenti decisioni del Consiglio di fondazione:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"is-style-check\"><strong>Griglia dei tassi d\u2019interesse:<\/strong> a quanto ammontano gli interessi sugli averi di vecchiaia e secondo quali criteri vengono calcolati?<\/li>\n\n\n\n<li class=\"is-style-check\"><strong>Griglia di partecipazione:<\/strong> in che modo pensionate e pensionati possono beneficiare di pagamenti una tantum e adeguamenti al rincaro?<\/li>\n\n\n\n<li class=\"is-style-check\"><strong>Griglia di risanamento:<\/strong> come si pu\u00f2 mantenere il grado di copertura?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Non ci capisci niente? <a href=\"#glossario\" type=\"internal\" id=\"#glossario\">Clicca qui per il nostro glossario.<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-tertiary-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\"><strong>La tua partecipazione decisionale presso comPlan<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A settembre 2026 si terranno le elezioni per il Consiglio di fondazione di comPlan. Puoi eleggere tu stesso la met\u00e0 del Consiglio di fondazione, ovvero i rappresentanti delle\/dei dipendenti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/syndicom.ch\/it\/complan-elezioni-2026\/\" type=\"page\" id=\"63340\" target=\"_blank\" rel=\"noreferrer noopener\">Clicca qui per vedere le\/i nostre\/i candidate\/i.<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-background-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 id=\"glossario\" class=\"wp-block-heading\"><strong><strong>Glossario della previdenza professionale (2\u00b0 pilastro)<\/strong><\/strong><\/h2>\n\n\n\n<div class=\"wp-block-group is-style-default is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-ad3c5208 wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Aliquota-di-conversione\" type=\"internal\" id=\"#Aliquota-di-conversione\">A<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Cassa-pensioni\" type=\"internal\" id=\"#Cassa-pensioni\">C<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Deduzione-di-coordinamento\" type=\"internal\" id=\"#Deduzione-di-coordinamento\">D<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#ESG\" type=\"internal\" id=\"#ESG\">E<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Fondi-liberi\" type=\"internal\" id=\"#Fondi-liberi\">F<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Grado-di-copertura\" type=\"internal\" id=\"#Grado-di-copertura\">G<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Investimenti-di-capitale\" type=\"internal\" id=\"#Investimenti-di-capitale\">I<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Partenariato-sociale\" type=\"internal\" id=\"#Partenariato-sociale\">P<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Regime-sovraobbligatorio\" type=\"internal\" id=\"#Regime-sovraobbligatorio\">R<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Salario-assicurato\" type=\"internal\" id=\"#Salario-assicurato\">S<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Tasso-interesse-tecnico\" type=\"internal\" id=\"#Tasso-interesse-tecnico\">T<\/a><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Aliquota-di-conversione\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-9bcd9bcfb6cfac6a32ff2db27277068b\"><strong><strong>Aliquota di conversione<\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">L&#8217;aliquota di conversione determina come viene calcolata la rendita di vecchiaia annua a partire dall&#8217;avere di vecchiaia accumulato. Un&#8217;aliquota di conversione pi\u00f9 bassa porta, a parit\u00e0 di capitale, a rendite pi\u00f9 basse.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-767849df7f9ef88a8f03b802ca4b6ffb wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> l&#8217;aliquota di conversione \u00e8 uno dei parametri pi\u00f9 importanti per l&#8217;entit\u00e0 delle rendite di vecchiaia ed \u00e8 stabilita dal consiglio di fondazione.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-ed0aeae35ece2f3d3d9696b8db87c0d2\"><strong><strong><strong>Avere di vecchiaia<\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">L&#8217;avere di vecchiaia \u00e8 il capitale previdenziale accumulato da una persona assicurata. Cresce grazie ai contributi delle lavoratrici, dei lavoratori e dei datori di lavoro, nonch\u00e9 attraverso la remunerazione degli interessi.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-f5048792b23a9f5564900980f436e856 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> nel gruppo Swisscom, il datore di lavoro paga circa il 60% dei contributi e le collaboratrici e i collaboratori circa il 40%. Questo \u00e8 stato negoziato in sede di partenariato sociale e non \u00e8 affatto scontato.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Cassa-pensioni\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-adb8b4378b40610d54f91da5e8b43c91\"><strong><strong><strong><strong>Cassa pensioni<\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">La cassa pensioni organizza la previdenza professionale. Gestisce i contributi, investe i fondi previdenziali e versa le prestazioni in caso di vecchiaia, invalidit\u00e0 e decesso.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-cb9f32e5b236c0259f3b090b320221f3 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> l&#8217;AVS \u00e8 una conquista dei sindacati. L&#8217;attuale sistema delle casse pensioni \u00e8 una conquista del partenariato sociale e del modello di compromesso svizzero. Senza le casse pensioni, la povert\u00e0 nella vecchiaia sarebbe diffusa (come ai tempi dei nostri bisnonni).<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-5330e18f4d4bb085ad2e779c397b803e\"><strong><strong><strong><strong><strong>Consiglio di fondazione<\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Il Consiglio di fondazione \u00e8 l&#8217;organo supremo di una cassa pensioni. Decide sulle questioni centrali quali prestazioni, finanziamento, strategia d&#8217;investimento e regolamenti. Le rappresentanze delle lavoratrici e dei lavoratori svolgono un ruolo importante, poich\u00e9 la gestione paritetica \u00e8 sancita dalla legge.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-9600fb0f999fdace50d349f597f40e17 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> le elezioni del Consiglio di fondazione influenzano direttamente il futuro della cassa pensioni e dei suoi assicurati.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Deduzione-di-coordinamento\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-d392472038b36c6533b04e6a80008fe0\"><strong><strong><strong><strong><strong><strong>Deduzione di coordinamento<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">La deduzione di coordinamento tiene conto delle prestazioni dell&#8217;AVS e riduce la retribuzione assicurata nel secondo pilastro. Essa penalizza le lavoratrici e i lavoratori con redditi pi\u00f9 bassi e le lavoratrici e i lavoratori a tempo parziale, poich\u00e9 il loro salario assicurato viene ridotto in misura sproporzionata.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-ee20e5982adf2fff37b8962d05ba6184 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> comPlan rinuncia alla deduzione di coordinamento, il che si traduce in prestazioni pi\u00f9 elevate per tutti le assicurate e gli assicurati.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"ESG\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-bde4748ffce4b38b64fec5d557678d52\"><strong><strong><strong><strong><strong><strong><strong>ESG \/ Impatto ESG<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">ESG sta per ambiente (Environmental), sociale (Social) e buona governance aziendale o statale (Governance). Sempre pi\u00f9 importante non \u00e8 solo il modo in cui si investe, ma anche quale effetto reale producono gli investimenti \u2013 ad esempio sul clima, sui diritti umani o sulle condizioni di lavoro.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-f4236a5312616aa9204c7d7528774a75 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> il patrimonio delle casse pensioni in Svizzera ammonta a circa 1&#8217;200 miliardi di franchi. Con questo capitale non si deve arrecare danno, ma occorre assumersi la responsabilit\u00e0 di proteggere il clima e i diritti umani.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Fondi-liberi\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-e3082f5fd9f97d287688e7a3b0172d52\"><strong><strong><strong><strong><strong><strong><strong><strong>Fondi liberi<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">I fondi liberi sussistono quando, dopo la piena copertura degli obblighi assicurativi e la costituzione delle riserve necessarie (in particolare la riserva di fluttuazione dei valori), rimane un eccedenza del patrimonio previdenziale.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-bc0fd081f8aeefbfd47064dfe12ec1f2 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> quando viene raggiunta la soglia dei fondi liberi, anche le pensionate e i pensionati possono essere coinvolti nel successo di comPlan (con un eventuale adeguamento al rincaro).<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Grado-di-copertura\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-633ffec0c66b857d17c662a7bbc5e437\"><strong><strong><strong><strong><strong><strong><strong><strong><strong>Grado di copertura<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Il grado di copertura indica il rapporto tra il patrimonio e gli impegni di una cassa pensioni. Un grado di copertura del 100% significa che la cassa dispone, in linea teorica, dispone di mezzi sufficienti per far fronte ai propri impegni.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-171370b781ecc1c71f6ab92c3db8eeee wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> il grado di copertura influenza il margine di manovra per le prestazioni e la remunerazione degli interessi.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Investimenti-di-capitale\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-0da27dec6858224783d28a597f41f477\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Investimenti di capitale<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Le casse pensioni investono il patrimonio previdenziale in modo diversificato, ad esempio in azioni, obbligazioni o fondazioni immobiliari. L&#8217;obiettivo \u00e8 ottenere rendimenti a lungo termine con rischi contenuti.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-6820ab3e44b07c2745d5738c3caed740 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> le decisioni di investimento influenzano il rendimento, i costi, la sostenibilit\u00e0 e, in ultima analisi, le prestazioni.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Partenariato-sociale\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-c4a8c5381007dfd3ea657b43814cff42\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Partenariato sociale<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Il partenariato sociale significa che le lavoratrici, i lavoratori e i datori di lavoro regolano insieme le questioni importanti. Nella previdenza professionale ci\u00f2 si manifesta, tra l&#8217;altro, nella composizione paritetica del consiglio di fondazione e nella rappresentanza sindacale al suo interno. Questi elementi costituiscono il fondamento della gestione paritetica della cassa pensioni.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-084577a6454873ef9f4f5540eb801806 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> Swisscom vuole ridurre il consiglio di fondazione e diminuire la rappresentanza sindacale da 2 a 1 membro. Il motivo di fondo \u00e8 che in questo modo conquiste sindacali come la rendita transitoria potrebbero essere messe in discussione, al solo scopo di ridurre i costi per Swisscom.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-28114ed5cc57e75338afe43469353d0a\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Pensionamento anticipato<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Si parla di pensionamento anticipato quando una persona va in pensione prima dell&#8217;et\u00e0 ordinaria di pensionamento. Poich\u00e9 i contributi vengono versati per un periodo pi\u00f9 breve e la rendita viene corrisposta per un periodo pi\u00f9 lungo, ci\u00f2 comporta spesso una riduzione della rendita.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-a04d276268ca9e1fa92eb0e4ef6e7558 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> grazie alla rendita transitoria che Swisscom concede fino al raggiungimento dell&#8217;ordinaria rendita AVS, molte collaboratrici e molti collaboratori di Swisscom e delle sue filiali possono accedere al pensionamento anticipato. Nel 2018 Swisscom voleva sopprimere la rendita transitoria. syndicom vi si \u00e8 opposta con successo.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-1b478d8d0cc2fb0b5d5315e4b00aca12\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Pensionamento parziale<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Nel pensionamento parziale, l&#8217;attivit\u00e0 lavorativa viene ridotta gradualmente invece di essere interrotta bruscamente. Modelli flessibili possono facilitare la transizione verso il pensionamento.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-2a69c97480d59d98f8da65cdb8145bba wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> syndicom ha negoziato con Swisscom modelli di pensionamento parziale a tempo determinato. Nelle prossime trattative del CCL, occorrer\u00e0 consolidare e sviluppare ulteriormente questi modelli.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-4d88cdc1833b333134ac50db6f05f928\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Prelievo in capitale<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Al momento del pensionamento, una parte o la totalit\u00e0 dell&#8217;avere di vecchiaia pu\u00f2 essere prelevata in forma di capitale. Chi preleva il capitale riceve di conseguenza una rendita ridotta o nessuna rendita.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-5fe20a1d1c65a2c54015a14919deeb7a wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> la scelta tra prelievo del capitale o rendita \u00e8 una delle decisioni pi\u00f9 importanti nella vita. Le\/I consulenti inmateria di pensionamento di syndicom illustrano in modo competente e gratuito alle collaboratrici e ai collaboratori di Swisscom e delle sue filiali a cosa prestare attenzione in questa scelta.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-6b2fbc8c5f2728d1181bef0311524e88\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Premio di rischio<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Con il premio di rischio vengono finanziate le prestazioni in caso di invalidit\u00e0 e decesso. L&#8217;entit\u00e0 del premio di rischio dipende, tra l&#8217;altro, dai rischi del settore di riferimento<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-22c128c6e2ce22775c99a1b8e29714ea wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> comPlan \u00e8 un istituto di previdenza che svolge compiti di assicurazione sociale anche per i rischi di invalidit\u00e0 e decesso. Rispetto, ad esempio, ai grandi gruppi assicurativi, comPlan applica premi di rischio notevolmente pi\u00f9 bassi.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-372c63e35f90b2a94598ad7e7d212398\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Prestazioni in caso di decesso<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Le prestazioni in caso di decesso sono prestazioni erogate alle\/ai superstiti, come coniugi, partner registrati o altre persone beneficiarie.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-45b2073ad05f195ea4fafa77229caec2 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> senza prestazioni in caso di decesso, le\/i superstiti rischiano il declassamento sociale e la povert\u00e0.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-dc9e58fcd9ff16e8093f6c601d4e06fe\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Previdenza per la vecchiaia<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">La previdenza per la vecchiaia in Svizzera si basa su tre pilastri. L&#8217;AVS costituisce il 1\u00b0 pilastro e mira a garantire la sussistenza. La previdenza professionale (2\u00b0 pilastro) completa l&#8217;AVS. Insieme devono consentire il mantenimento del tenore di vita abituale. Il 3\u00b0 pilastro \u00e8 il risparmio volontario individuale al di fuori delle assicurazioni sociali.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-672739db52a88b61f308213de8f7db39 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> la previdenza per la vecchiaia \u00e8 una delle maggiori conquiste dei sindacati. Senza di essa, la stragrande maggioranza delle persone dovrebbe lavorare fino a tarda et\u00e0, oppure cadrebbe in povert\u00e0, come avveniva comunemente 100 anni fa.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-f374c6b7eb6ea3d036c4654399d85b11\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Primato dei contributi<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Nel primato dei contributi, la rendita futura deriva dal capitale accumulato. La maggior parte delle casse pensioni \u2013 tra cui comPlan \u2013 funziona secondo questo principio.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-6119f602fd6aabb439f9fa207deb6fdc wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> pi\u00f9 alto \u00e8 il salario, maggiore sar\u00e0 il capitale accumulato al momento del pensionamento. Per questo motivo, syndicom chiede di norma, nelle trattative salariali annuali, un aumento della massa salariale e non pagamenti una tantum, che non sono assicurati.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Regime-sovraobbligatorio\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-dba79caa19b9de30699935bdb4e45151\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Regime sovraobbligatorio<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Per regime sovraobbligatorio si intendono le prestazioni che superano le prestazioni minime legali previste dalla LPP. In comPlan, ad esempio, anche i salari pi\u00f9 elevati sono assicurati integralmente.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-d451a293a49d1a21be0ba4d42de9422f wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> se anche i quadri con stipendi elevati sono integralmente assicurati presso comPlan, ci\u00f2 rafforza la loro fedelt\u00e0 alla cassa pensioni di Swisscom.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-40aedb81627c99872c4919661ac151fa\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Remunerazione degli interessi<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">La remunerazione degli interessi determina il tasso al quale cresce l&#8217;avere di vecchiaia. Una buona remunerazione rafforza il capitale previdenziale e, di conseguenza, la futura rendita di vecchiaia.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-746bfc6daeb61935cc5a731c50a260b3 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> grazie alla solida situazione finanziaria di comPlan (alto grado di copertura e rendimento superiore alla media), il Consiglio di fondazione ha potuto deliberare una remunerazione degli interessi elevata negli ultimi anni.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-872d4c2266376ced09ddd60f1dfaaed7\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Rendimento<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Il rendimento \u00e8 il provento degli investimenti di capitale di una cassa pensioni. Rendimenti elevati a lungo termine rafforzano il finanziamento e le prestazioni<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-576732facdae5ff190d1837f71d3f93e wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> determinante non \u00e8 solo il rendimento, che costituisce la base per la remunerazione degli averi di vecchiaia, ma anche i rischi e i costi che esso comporta. A ci\u00f2 si aggiungono i criteri ESG.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-9b2a731ae9e6bd1a24aad7173b9cffd8\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Rendita di vecchiaia<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">La rendita di vecchiaia \u00e8 la prestazione mensile vitalizia corrisposta dopo il pensionamento. Il suo importo dipende in particolare dall&#8217;avere di vecchiaia accumulato e dall&#8217;aliquota di conversione.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-a906a153271dd272fae6d1dcd9005f9e wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> le buone rendite di vecchiaia non cadono dal cielo. Dipendono dalle prestazioni, dal finanziamento e dalla remunerazione degli interessi (rendimento degli investimenti) della cassa pensioni \u2013 e quindi dalle decisioni del Consiglio di fondazione.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-0fab216ff28cb3e93a9f3f83f899fdbb\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Risanamento<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Se una cassa pensioni si trova in una situazione di sottocopertura finanziaria significativa, possono rendersi necessarie misure di risanamento, come una remunerazione degli interessi pi\u00f9 bassa, contributi supplementari o contributi da parte del datore di lavoro.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-2e8aae909517e0e27ce00f8a428b77f7 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> la questione di chi si fa carico dell&#8217;onere della ristrutturazione \u00e8 fondamentale per l&#8217;equit\u00e0 e la partnership sociale.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-509e69f10c4ee9468fd941eec7149ecc\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Riserva di fluttuazione dei valori<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Le riserve di fluttuazione dei valori sono cuscinetti finanziari per gli anni di borsa negativi o le turbolenze di mercato. Aiutano una cassa pensioni ad assorbire le fluttuazioni sui mercati finanziari.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-a48c5e85d84a448a8a528d97fb613ce7 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> senza riserve sufficienti, le crisi possono portare pi\u00f9 rapidamente a situazioni di sottocopertura o a pressioni sulle prestazioni.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Salario-assicurato\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-d92e1a5963bce4ebda7aa65b7824e325\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Salario assicurato<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Il salario assicurato \u00e8 quella parte del reddito che viene assicurata nella cassa pensioni. Da esso dipendono i contributi e le future prestazioni.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-3ce30041eccfc367583d36370eaf6828 wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> nell&#8217;ambito del partenariato sociale con Swisscom, syndicom si impegna sempre, nelle trattative salariali annuali, per aumenti salariali assicurati e non per pagamenti una tantum<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Tasso-interesse-tecnico\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-adeb7e2522df7f007b176f98ebe02c54\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Tasso d&#8217;interesse tecnico<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Il tasso d&#8217;interesse tecnico \u00e8 un&#8217;ipotesi attuariale sui rendimenti conseguibili a lungo termine da una cassa pensioni. Influenza, tra l&#8217;altro, la valutazione degli impegni e il finanziamento delle rendite.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-835e5bc5c7807d26b09f20080f0afddc wp-block-paragraph\"><strong>Perch\u00e9 \u00e8 importante:<\/strong> l&#8217;entit\u00e0 del tasso d&#8217;interesse tecnico non \u00e8 una decisione tecnica, ma dipende dalle valutazioni dei membri del consiglio di fondazione.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Se lavori per la Swisscom o una delle sue affiliate, sei assicurato presso la cassa pensioni comPlan. syndicom \u00e8 rappresentata nel Consiglio di fondazione.<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[],"class_list":["post-63346","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>comPlan: cassa pensioni di Swisscom - sindacato syndicom<\/title>\n<meta name=\"description\" content=\"Se lavori per la Swisscom o una delle sue affiliate, sei assicurato presso la cassa pensioni comPlan. syndicom \u00e8 rappresentata nel Consiglio di fondazione.\" \/>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"comPlan: cassa pensioni di Swisscom - sindacato syndicom\" \/>\n<meta property=\"og:description\" content=\"Se lavori per la Swisscom o una delle sue affiliate, sei assicurato presso la cassa pensioni comPlan. syndicom \u00e8 rappresentata nel Consiglio di fondazione.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/syndicom.ch\/it\/complan-cassa-pensioni-di-swisscom\/\" \/>\n<meta property=\"og:site_name\" content=\"sindacato syndicom\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-11T14:33:41+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Tempo di lettura stimato\" \/>\n\t<meta name=\"twitter:data1\" content=\"12 minuti\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/syndicom.ch\\\/it\\\/complan-cassa-pensioni-di-swisscom\\\/\",\"url\":\"https:\\\/\\\/syndicom.ch\\\/it\\\/complan-cassa-pensioni-di-swisscom\\\/\",\"name\":\"comPlan: cassa pensioni di Swisscom - sindacato syndicom\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/syndicom.ch\\\/it\\\/#website\"},\"datePublished\":\"2026-06-03T15:57:26+00:00\",\"dateModified\":\"2026-06-11T14:33:41+00:00\",\"description\":\"Se lavori per la Swisscom o una delle sue affiliate, sei assicurato presso la cassa pensioni comPlan. syndicom \u00e8 rappresentata nel Consiglio di fondazione.\",\"inLanguage\":\"it-IT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/syndicom.ch\\\/it\\\/complan-cassa-pensioni-di-swisscom\\\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/syndicom.ch\\\/it\\\/#website\",\"url\":\"https:\\\/\\\/syndicom.ch\\\/it\\\/\",\"name\":\"sindacato syndicom\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/syndicom.ch\\\/it\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/syndicom.ch\\\/it\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"it-IT\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/syndicom.ch\\\/it\\\/#organization\",\"name\":\"sindacato syndicom\",\"url\":\"https:\\\/\\\/syndicom.ch\\\/it\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\\\/\\\/syndicom.ch\\\/it\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/syndicom.ch\\\/app\\\/uploads\\\/2024\\\/06\\\/logo.svg\",\"contentUrl\":\"https:\\\/\\\/syndicom.ch\\\/app\\\/uploads\\\/2024\\\/06\\\/logo.svg\",\"width\":297,\"height\":51,\"caption\":\"sindacato syndicom\"},\"image\":{\"@id\":\"https:\\\/\\\/syndicom.ch\\\/it\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"comPlan: cassa pensioni di Swisscom - sindacato syndicom","description":"Se lavori per la Swisscom o una delle sue affiliate, sei assicurato presso la cassa pensioni comPlan. syndicom \u00e8 rappresentata nel Consiglio di fondazione.","robots":{"index":"noindex","follow":"nofollow"},"og_locale":"it_IT","og_type":"article","og_title":"comPlan: cassa pensioni di Swisscom - sindacato syndicom","og_description":"Se lavori per la Swisscom o una delle sue affiliate, sei assicurato presso la cassa pensioni comPlan. syndicom \u00e8 rappresentata nel Consiglio di fondazione.","og_url":"https:\/\/syndicom.ch\/it\/complan-cassa-pensioni-di-swisscom\/","og_site_name":"sindacato syndicom","article_modified_time":"2026-06-11T14:33:41+00:00","twitter_card":"summary_large_image","twitter_misc":{"Tempo di lettura stimato":"12 minuti"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/syndicom.ch\/it\/complan-cassa-pensioni-di-swisscom\/","url":"https:\/\/syndicom.ch\/it\/complan-cassa-pensioni-di-swisscom\/","name":"comPlan: cassa pensioni di Swisscom - sindacato syndicom","isPartOf":{"@id":"https:\/\/syndicom.ch\/it\/#website"},"datePublished":"2026-06-03T15:57:26+00:00","dateModified":"2026-06-11T14:33:41+00:00","description":"Se lavori per la Swisscom o una delle sue affiliate, sei assicurato presso la cassa pensioni comPlan. syndicom \u00e8 rappresentata nel Consiglio di fondazione.","inLanguage":"it-IT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/syndicom.ch\/it\/complan-cassa-pensioni-di-swisscom\/"]}]},{"@type":"WebSite","@id":"https:\/\/syndicom.ch\/it\/#website","url":"https:\/\/syndicom.ch\/it\/","name":"sindacato syndicom","description":"","publisher":{"@id":"https:\/\/syndicom.ch\/it\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/syndicom.ch\/it\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"it-IT"},{"@type":"Organization","@id":"https:\/\/syndicom.ch\/it\/#organization","name":"sindacato syndicom","url":"https:\/\/syndicom.ch\/it\/","logo":{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/syndicom.ch\/it\/#\/schema\/logo\/image\/","url":"https:\/\/syndicom.ch\/app\/uploads\/2024\/06\/logo.svg","contentUrl":"https:\/\/syndicom.ch\/app\/uploads\/2024\/06\/logo.svg","width":297,"height":51,"caption":"sindacato syndicom"},"image":{"@id":"https:\/\/syndicom.ch\/it\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/syndicom.ch\/it\/wp-json\/wp\/v2\/pages\/63346","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/syndicom.ch\/it\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/syndicom.ch\/it\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/syndicom.ch\/it\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/syndicom.ch\/it\/wp-json\/wp\/v2\/comments?post=63346"}],"version-history":[{"count":32,"href":"https:\/\/syndicom.ch\/it\/wp-json\/wp\/v2\/pages\/63346\/revisions"}],"predecessor-version":[{"id":64022,"href":"https:\/\/syndicom.ch\/it\/wp-json\/wp\/v2\/pages\/63346\/revisions\/64022"}],"wp:attachment":[{"href":"https:\/\/syndicom.ch\/it\/wp-json\/wp\/v2\/media?parent=63346"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/syndicom.ch\/it\/wp-json\/wp\/v2\/categories?post=63346"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}