Il Lussemburgo incoraggia il risparmio pensionistico volontario (3° pilastro) per integrare il sistema pensionistico pubblico.
Tuttavia, a differenza di molti paesi dell’UE, questi risparmi vengono tassati quando vengono erogati, il che riduce la loro efficacia a lungo termine.
In pratica:
• Diversi paesi dell’UE applicano esenzioni parziali alla scadenza
• Altri tassano i contributi piuttosto che i pagamenti
• La maggior parte punta alla prevedibilità a lungo termine nell’arco di 30–40 anni
Una petizione pubblica sta attualmente affrontando questo specifico trattamento fiscale, sostenendo che scoraggia la partecipazione al risparmio previdenziale volontario.
Fonte/dettagli:
Luxembourg voluntary pension savings are taxed at payout – how this differs from most EU models
byu/no_options_lux inLuxembourg
di no_options_lux
2 commenti
How does this differ from some of the large EU countries? A quick search of Germany and France looks like they have similar schemes, with France providing flexibility if it’s taxed on the way in or taxed on withdrawal. It seems reasonable that the money is taxed at some point.
The issue is that (mostly due to demographic changes), the current pension system pays out benefits to current pensioners that will become entirely unaffordable in a few decades.
This means that the system is today **generationally unfair** because contributors are asked to fund a level of pensions to current pensioners that they themselves will be unable to perceive.
This proposal completely neglects the fact that the taxes paid on pensions flow into other areas of the state – at the very least, if you receive less taxes from pensioners, you’d need more from others to offset this.
Hence, by not offering other means to pay for this and pretending this change is somehow “free”, it aims to make pensions **even more unfair** in favour of current retirees.