Riscattare gli Anni di UniversitAi??, Conviene?

Categorie: Finanza, Fisco e Leggi

Talvolta si sente discutere dellai??i??eventualitAi?? o meno di riscattare gli anni della laurea a fini previdenziali. A? positivo o meno procedere in tal senso? In effetti, in linea di principio, la risposta A? sAi??, tuttavia vanno comunque fatte delle precisazioni che tengano conto di alcuni fattori. Fortunatamente, la legge 247/07 ha semplificato la procedura e ha offerto a chi lo desidera una possibilitAi?? di rateizzazione dei pagamenti in dieci anni, aggiungendo in piA? la grande occasione di riscattare gli anni della laurea anche se non si A? occupati. In tal modo, si pagherAi??, per ciascun anno, solo la cifra minima prevista. Le motivazioni che spingono ad effettuare il riscatto della laurea sono essenzialmente due: poter andare prima in pensione e poter disporre di una cifra maggiore arrivati al pensionamento.



Diciamo che, in questai??i??ottica, riscattare la laurea A? assolutamente conveniente se si pensa di lavorare a lungo, diciamo anche oltre i 60 anni. Converrebbe, inoltre, poter riscattare la laurea appena terminati gli studi poichAi?? i contributi da versare sarebbero calcolati su un reddito meno elevato, ma in questo modo incideranno anche meno sulla somma che si percepirAi?? poi come pensione.

Nel complesso, ad ogni modo, la spesa sostenuta ai??i??considerando una meda aspettativa di vita- sarAi?? inferiore dellai??i??incremento percepito con la pensione, ragion per cui il consiglio A? comunque quello di valutare come interessante il riscatto degli anni di studio.

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