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E' indispensabile intervenire per puntellare il secondo pilastro poiché, se non sarà apportato alcun correttivo, i futuri beneficiari riceveranno in media vitalizi del 28% inferiori al previsto a causa dell'abbassamento del tasso di conversione, si afferma nello studio pubblicato giovedì dalla società Swisscanto, filiale della Banca cantonale di Zurigo.
Le casse pensione -si sottolinea- sono reduci da un anno non fasto, il peggiore degli ultimi dieci, con rendimenti degli investimenti pari a -2,8%, contro il +7,6 del 2017, nettamente inferiori quindi all'obbiettivo del +3.
La difficile situazione rende sempre più urgente sfruttare meglio i margini di manovra, è l'accorato consiglio. Molti istituti di previdenza, infatti, perdono opportunità a causa di un'eccessiva avversione al rischio, affermano gli autori, ritenendo che un diverso atteggiamento permetterebbe almeno in parte di compensare il calo delle prestazioni senza costi aggiuntivi per gli assicurati.
ATS/dg
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