{"id":845,"date":"2022-11-21T21:40:49","date_gmt":"2022-11-21T21:40:49","guid":{"rendered":"https:\/\/suedtirolbank.eu\/unser-angebot\/risparmio-e-previdenza\/"},"modified":"2025-01-30T14:00:34","modified_gmt":"2025-01-30T14:00:34","slug":"sparplaene-und-vorsorge","status":"publish","type":"page","link":"https:\/\/suedtirolbank.eu\/de\/unser-angebot\/sparplaene-und-vorsorge\/","title":{"rendered":"Sparpl\u00e4ne und Vorsorge"},"content":{"rendered":"[vc_row type=&#8220;full_width_background&#8220; full_screen_row_position=&#8220;middle&#8220; column_margin=&#8220;default&#8220; column_direction=&#8220;default&#8220; column_direction_tablet=&#8220;default&#8220; column_direction_phone=&#8220;default&#8220; bg_image=&#8220;443&#8243; bg_position=&#8220;center top&#8220; background_image_loading=&#8220;default&#8220; bg_repeat=&#8220;no-repeat&#8220; full_height=&#8220;yes&#8220; scene_position=&#8220;center&#8220; text_color=&#8220;light&#8220; text_align=&#8220;left&#8220; row_border_radius=&#8220;none&#8220; row_border_radius_applies=&#8220;bg&#8220; overflow=&#8220;visible&#8220; class=&#8220;eoc-secondary-header&#8220; overlay_strength=&#8220;0.3&#8243; gradient_direction=&#8220;left_to_right&#8220; shape_divider_position=&#8220;bottom&#8220; bg_image_animation=&#8220;none&#8220; gradient_type=&#8220;default&#8220; shape_type=&#8220;&#8220;][vc_column column_padding=&#8220;no-extra-padding&#8220; column_padding_tablet=&#8220;inherit&#8220; column_padding_phone=&#8220;inherit&#8220; column_padding_position=&#8220;all&#8220; column_element_direction_desktop=&#8220;default&#8220; column_element_spacing=&#8220;default&#8220; desktop_text_alignment=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_backdrop_filter=&#8220;none&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; column_link_target=&#8220;_self&#8220; column_position=&#8220;default&#8220; gradient_direction=&#8220;left_to_right&#8220; overlay_strength=&#8220;0.3&#8243; width=&#8220;1\/1&#8243; tablet_width_inherit=&#8220;default&#8220; animation_type=&#8220;default&#8220; bg_image_animation=&#8220;none&#8220; border_type=&#8220;simple&#8220; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220; column_padding_type=&#8220;default&#8220; gradient_type=&#8220;default&#8220;][vc_column_text]\n<h1>Sparpl\u00e4ne und Vorsorge<\/h1>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=&#8220;full_width_background&#8220; full_screen_row_position=&#8220;middle&#8220; column_margin=&#8220;default&#8220; column_direction=&#8220;default&#8220; column_direction_tablet=&#8220;default&#8220; column_direction_phone=&#8220;default&#8220; bg_color=&#8220;#f4f4f4&#8243; scene_position=&#8220;center&#8220; top_padding=&#8220;3%&#8220; bottom_padding=&#8220;4%&#8220; top_padding_phone=&#8220;20%&#8220; constrain_group_5=&#8220;yes&#8220; bottom_padding_phone=&#8220;20%&#8220; text_color=&#8220;dark&#8220; text_align=&#8220;left&#8220; row_border_radius=&#8220;none&#8220; row_border_radius_applies=&#8220;bg&#8220; overflow=&#8220;visible&#8220; overlay_strength=&#8220;0.3&#8243; gradient_direction=&#8220;left_to_right&#8220; shape_divider_position=&#8220;bottom&#8220; bg_image_animation=&#8220;none&#8220; gradient_type=&#8220;default&#8220; shape_type=&#8220;&#8220;][vc_column column_padding=&#8220;no-extra-padding&#8220; column_padding_tablet=&#8220;inherit&#8220; column_padding_phone=&#8220;inherit&#8220; column_padding_position=&#8220;all&#8220; column_element_direction_desktop=&#8220;default&#8220; column_element_spacing=&#8220;default&#8220; desktop_text_alignment=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_backdrop_filter=&#8220;none&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; column_link_target=&#8220;_self&#8220; column_position=&#8220;default&#8220; gradient_direction=&#8220;left_to_right&#8220; overlay_strength=&#8220;0.3&#8243; width=&#8220;1\/1&#8243; tablet_width_inherit=&#8220;default&#8220; animation_type=&#8220;default&#8220; bg_image_animation=&#8220;none&#8220; border_type=&#8220;simple&#8220; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220;][vc_column_text]<nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home page<\/span><\/p><\/nav>[\/vc_column_text][divider line_type=&#8220;No Line&#8220; custom_height=&#8220;25px&#8220;][vc_column_text css=&#8220;&#8220; text_direction=&#8220;default&#8220;]\n<h2>Unsere Anlageberater sind aufmerksam und in der Lage, die Bed\u00fcrfnisse der Kunden zu verstehen. Sie helfen Ihnen bei der Verwaltung Ihrer Ersparnisse und Rentenanlagen.<\/h2>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=&#8220;in_container&#8220; full_screen_row_position=&#8220;middle&#8220; column_margin=&#8220;default&#8220; column_direction=&#8220;default&#8220; column_direction_tablet=&#8220;default&#8220; column_direction_phone=&#8220;default&#8220; scene_position=&#8220;center&#8220; top_padding=&#8220;8%&#8220; text_color=&#8220;dark&#8220; text_align=&#8220;left&#8220; row_border_radius=&#8220;none&#8220; row_border_radius_applies=&#8220;bg&#8220; overflow=&#8220;visible&#8220; overlay_strength=&#8220;0.3&#8243; gradient_direction=&#8220;left_to_right&#8220; shape_divider_position=&#8220;bottom&#8220; bg_image_animation=&#8220;none&#8220; gradient_type=&#8220;default&#8220; shape_type=&#8220;&#8220;][vc_column column_padding=&#8220;no-extra-padding&#8220; column_padding_tablet=&#8220;inherit&#8220; column_padding_phone=&#8220;inherit&#8220; column_padding_position=&#8220;all&#8220; column_element_direction_desktop=&#8220;default&#8220; column_element_spacing=&#8220;default&#8220; desktop_text_alignment=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_backdrop_filter=&#8220;none&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; column_link_target=&#8220;_self&#8220; column_position=&#8220;default&#8220; gradient_direction=&#8220;left_to_right&#8220; overlay_strength=&#8220;0.3&#8243; width=&#8220;1\/1&#8243; tablet_width_inherit=&#8220;default&#8220; animation_type=&#8220;default&#8220; bg_image_animation=&#8220;none&#8220; border_type=&#8220;simple&#8220; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220;][vc_column_text css=&#8220;&#8220; text_direction=&#8220;default&#8220; max_width=&#8220;700&#8243;]Die Wahl einer Spar- und Vorsorgel\u00f6sung mag einfach erscheinen, sie ist es aber nicht immer. Deshalb sind unsere Anlageberater f\u00fcr Sie da und helfen Ihnen, die richtige L\u00f6sung zu finden, um Ihre Zukunft zu sichern.[\/vc_column_text][divider line_type=&#8220;No Line&#8220; custom_height=&#8220;50px&#8220; custom_height_phone=&#8220;0px&#8220;][\/vc_column][\/vc_row][vc_row type=&#8220;in_container&#8220; full_screen_row_position=&#8220;middle&#8220; column_margin=&#8220;default&#8220; column_direction=&#8220;default&#8220; column_direction_tablet=&#8220;default&#8220; column_direction_phone=&#8220;default&#8220; scene_position=&#8220;center&#8220; bottom_padding=&#8220;5%&#8220; bottom_padding_phone=&#8220;20%&#8220; text_color=&#8220;dark&#8220; text_align=&#8220;left&#8220; row_border_radius=&#8220;none&#8220; row_border_radius_applies=&#8220;bg&#8220; overflow=&#8220;visible&#8220; overlay_strength=&#8220;0.3&#8243; gradient_direction=&#8220;left_to_right&#8220; shape_divider_position=&#8220;bottom&#8220; bg_image_animation=&#8220;none&#8220; gradient_type=&#8220;default&#8220; shape_type=&#8220;&#8220;][vc_column column_padding=&#8220;no-extra-padding&#8220; column_padding_tablet=&#8220;inherit&#8220; column_padding_phone=&#8220;inherit&#8220; column_padding_position=&#8220;all&#8220; column_element_direction_desktop=&#8220;default&#8220; column_element_spacing=&#8220;default&#8220; desktop_text_alignment=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_backdrop_filter=&#8220;none&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; column_link_target=&#8220;_self&#8220; column_position=&#8220;default&#8220; gradient_direction=&#8220;left_to_right&#8220; overlay_strength=&#8220;0.3&#8243; width=&#8220;1\/1&#8243; tablet_width_inherit=&#8220;default&#8220; animation_type=&#8220;default&#8220; bg_image_animation=&#8220;none&#8220; border_type=&#8220;simple&#8220; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220;][tabbed_section style=&#8220;vertical_modern&#8220; tab_color=&#8220;Accent-Color&#8220; vs_content_animation=&#8220;fade&#8220; vs_link_animation=&#8220;opacity&#8220; vs_navigation_alignment=&#8220;left&#8220; vs_navigation_width_2=&#8220;25%&#8220; vs_navigation_func=&#8220;default&#8220; vs_navigation_width=&#8220;regular&#8220; vs_navigation_spacing=&#8220;15px&#8220; vs_navigation_mobile_display=&#8220;visible&#8220; vs_tab_spacing=&#8220;5%&#8220;][tab icon_family=&#8220;none&#8220; title=&#8220;Verm\u00f6gensaufbaupl\u00e4ne (PAC)&#8220; id=&#8220;1713975721421-10&#8243; tab_id=&#8220;1713975721422-9&#8243;][vc_row_inner column_margin=&#8220;default&#8220; column_direction=&#8220;default&#8220; column_direction_tablet=&#8220;default&#8220; column_direction_phone=&#8220;default&#8220; top_padding=&#8220;2%&#8220; text_align=&#8220;left&#8220; row_position=&#8220;default&#8220; row_position_tablet=&#8220;inherit&#8220; row_position_phone=&#8220;inherit&#8220; overflow=&#8220;visible&#8220; pointer_events=&#8220;all&#8220;][vc_column_inner column_padding=&#8220;padding-5-percent&#8220; column_padding_tablet=&#8220;inherit&#8220; column_padding_phone=&#8220;inherit&#8220; column_padding_position=&#8220;right&#8220; column_element_direction_desktop=&#8220;default&#8220; column_element_spacing=&#8220;default&#8220; desktop_text_alignment=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_backdrop_filter=&#8220;none&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; column_link_target=&#8220;_self&#8220; overflow=&#8220;visible&#8220; gradient_direction=&#8220;left_to_right&#8220; overlay_strength=&#8220;0.3&#8243; width=&#8220;1\/2&#8243; tablet_width_inherit=&#8220;default&#8220; animation_type=&#8220;default&#8220; bg_image_animation=&#8220;none&#8220; border_type=&#8220;simple&#8220; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220; column_padding_type=&#8220;default&#8220; gradient_type=&#8220;default&#8220;][vc_column_text]\n<h2>In kleinen Schritten Verm\u00f6gen aufbauen.<\/h2>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=&#8220;no-extra-padding&#8220; column_padding_tablet=&#8220;inherit&#8220; column_padding_phone=&#8220;inherit&#8220; column_padding_position=&#8220;all&#8220; column_element_direction_desktop=&#8220;default&#8220; column_element_spacing=&#8220;default&#8220; desktop_text_alignment=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_backdrop_filter=&#8220;none&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; column_link_target=&#8220;_self&#8220; overflow=&#8220;visible&#8220; gradient_direction=&#8220;left_to_right&#8220; overlay_strength=&#8220;0.3&#8243; width=&#8220;1\/2&#8243; tablet_width_inherit=&#8220;default&#8220; animation_type=&#8220;default&#8220; bg_image_animation=&#8220;none&#8220; border_type=&#8220;simple&#8220; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220;][vc_column_text css=&#8220;&#8220; text_direction=&#8220;default&#8220;]<strong>Verm\u00f6gensaufbaupl\u00e4ne (PAC)<\/strong> stellen eine einfache, individuelle und systematische M\u00f6glichkeit dar, regelm\u00e4\u00dfig Anteile an <strong>ETFs<\/strong> (Exchange Traded Funds), <strong>Investmentfonds<\/strong> und <strong>SICAV<\/strong> von renommierten nationalen und internationalen Verm\u00f6gensverwaltern anzukaufen und Kapital anzusparen:<\/p>\n<ul>\n<li>Konstantes und diszipliniertes Ansparen von Kapital, um pers\u00f6nliche Finanzziele zu erreichen.<\/li>\n<li>Der Anleger entscheidet \u00fcber die Investition seiner Wahl.<\/li>\n<li>Die Veranlagung und\u00a0Diversifizierung\u00a0kann bereits mit geringen Betr\u00e4gen vorgenommen werden.<\/li>\n<li>Der ratenweise Verm\u00f6gensaufbau reduziert das emotionale Auf und Ab an den Finanzm\u00e4rkten. Durch die langfristige Planung und konstante Investition wird zu Durchschnittskursen gekauft. Bei positiver Kursentwicklung steigt der Verm\u00f6genswert, bei Kurskorrekturen k\u00f6nnen mehr Anteile dazugekauft werden.<\/li>\n<li>Die Risiken aus der Entscheidung \u00fcber den optimalen Kaufzeitpunkt werden somit eliminiert.<\/li>\n<li>Je fr\u00fcher mit der Einzahlung begonnen wird und je langfristiger investiert wird, desto unbedeutender werden kurzfristige Kursschwankungen.<\/li>\n<li>Die flexible Ausgestaltung der Verm\u00f6genssparpl\u00e4ne erlaubt es, individuelle Notwendigkeiten und Ziele zu ber\u00fccksichtigen: H\u00f6he und Regelm\u00e4\u00dfigkeit der Einzahlungen, Dauer des Sparprogrammes, Risikoprofil der Veranlagung.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Die Anlageberater der S\u00fcdtirol Bank unterst\u00fctzen unsere Kunden, eine optimale Auswahl aus der breiten Palette an nationalen und internationalen Verm\u00f6gensverwaltern vorzunehmen.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8220;default&#8220; column_direction=&#8220;default&#8220; column_direction_tablet=&#8220;default&#8220; column_direction_phone=&#8220;default&#8220; top_padding=&#8220;8%&#8220; constrain_group_1=&#8220;yes&#8220; bottom_padding=&#8220;8%&#8220; text_align=&#8220;left&#8220; row_position=&#8220;default&#8220; row_position_tablet=&#8220;inherit&#8220; row_position_phone=&#8220;inherit&#8220; overflow=&#8220;visible&#8220; pointer_events=&#8220;all&#8220;][vc_column_inner column_padding=&#8220;no-extra-padding&#8220; column_padding_tablet=&#8220;inherit&#8220; column_padding_phone=&#8220;inherit&#8220; column_padding_position=&#8220;all&#8220; column_element_direction_desktop=&#8220;default&#8220; column_element_spacing=&#8220;default&#8220; desktop_text_alignment=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_backdrop_filter=&#8220;none&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; column_link_target=&#8220;_self&#8220; overflow=&#8220;visible&#8220; gradient_direction=&#8220;left_to_right&#8220; overlay_strength=&#8220;0.3&#8243; width=&#8220;1\/1&#8243; tablet_width_inherit=&#8220;default&#8220; animation_type=&#8220;default&#8220; bg_image_animation=&#8220;none&#8220; border_type=&#8220;simple&#8220; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220;][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=&#8220;none&#8220; title=&#8220;Individuelle Sparpl\u00e4ne (PIR)&#8220; id=&#8220;1713975721470-1&#8243; tab_id=&#8220;1713975721470-8&#8243;][vc_row_inner column_margin=&#8220;default&#8220; column_direction=&#8220;default&#8220; column_direction_tablet=&#8220;default&#8220; column_direction_phone=&#8220;default&#8220; top_padding=&#8220;2%&#8220; text_align=&#8220;left&#8220; row_position=&#8220;default&#8220; row_position_tablet=&#8220;inherit&#8220; row_position_phone=&#8220;inherit&#8220; overflow=&#8220;visible&#8220; pointer_events=&#8220;all&#8220;][vc_column_inner column_padding=&#8220;padding-5-percent&#8220; column_padding_tablet=&#8220;inherit&#8220; column_padding_phone=&#8220;inherit&#8220; column_padding_position=&#8220;right&#8220; column_element_direction_desktop=&#8220;default&#8220; column_element_spacing=&#8220;default&#8220; desktop_text_alignment=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_backdrop_filter=&#8220;none&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; column_link_target=&#8220;_self&#8220; overflow=&#8220;visible&#8220; gradient_direction=&#8220;left_to_right&#8220; overlay_strength=&#8220;0.3&#8243; width=&#8220;1\/2&#8243; tablet_width_inherit=&#8220;default&#8220; animation_type=&#8220;default&#8220; bg_image_animation=&#8220;none&#8220; border_type=&#8220;simple&#8220; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220; column_padding_type=&#8220;default&#8220; gradient_type=&#8220;default&#8220;][vc_column_text]\n<h2>Steuerliche Vorteile mit den PIR<\/h2>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=&#8220;no-extra-padding&#8220; column_padding_tablet=&#8220;inherit&#8220; column_padding_phone=&#8220;inherit&#8220; column_padding_position=&#8220;all&#8220; column_element_direction_desktop=&#8220;default&#8220; column_element_spacing=&#8220;default&#8220; desktop_text_alignment=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_backdrop_filter=&#8220;none&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; column_link_target=&#8220;_self&#8220; overflow=&#8220;visible&#8220; gradient_direction=&#8220;left_to_right&#8220; overlay_strength=&#8220;0.3&#8243; width=&#8220;1\/2&#8243; tablet_width_inherit=&#8220;default&#8220; animation_type=&#8220;default&#8220; bg_image_animation=&#8220;none&#8220; border_type=&#8220;simple&#8220; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220;][vc_column_text css=&#8220;&#8220; text_direction=&#8220;default&#8220;]Die individuellen Sparpl\u00e4ne PIR (Piani Individuali di Risparmio) wurden mit dem Stabilit\u00e4tsgesetz 2017 eingef\u00fchrt. Sie unterst\u00fctzen Investitionen in italienische KMUs und bieten Anlegern gleichzeitig steuerliche Anreize. Diese Vorteile umfassen die Steuerbefreiung von Finanzertr\u00e4gen und Erbschaftssteuern.<\/p>\n<p>Die steuerlichen Beg\u00fcnstigungen gelten unter Einhaltung folgender gesetzlicher Bestimmungen:<\/p>\n<ul>\n<li>Mindest-Investitionszeitraum von 5 Jahren, um die Steuervorteile nutzen zu k\u00f6nnen.<\/li>\n<li>Maximale Investitionssumme von 40.000 \u20ac j\u00e4hrlich und 200.000 \u20ac insgesamt.<\/li>\n<li>Mindestens 70% m\u00fcssen in Finanzinstrumente investiert werden, die von italienischen Unternehmen oder Unternehmen mit fester Betriebsstruktur in Italien emittiert wurden. Davon m\u00fcssen mindestens 30% in Wertpapieren von Unternehmen angelegt werden, die nicht Bestandteil des italienischen Aktienindex FTSE MIB sind.<\/li>\n<li>Jede nat\u00fcrliche Person mit Wohnsitz in Italien kann nur einen PIR zeichnen.<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>S\u00fcdtirol Bank bietet PIR-konforme Fonds der Produktgesellschaften <strong>AcomeA SGR<\/strong>, <strong>Ersel Asset Management SGR<\/strong>, <strong>Sella SGR<\/strong> und <strong>Zenit SGR<\/strong> an.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8220;default&#8220; column_direction=&#8220;default&#8220; column_direction_tablet=&#8220;default&#8220; column_direction_phone=&#8220;default&#8220; top_padding=&#8220;8%&#8220; constrain_group_1=&#8220;yes&#8220; bottom_padding=&#8220;8%&#8220; text_align=&#8220;left&#8220; row_position=&#8220;default&#8220; row_position_tablet=&#8220;inherit&#8220; row_position_phone=&#8220;inherit&#8220; overflow=&#8220;visible&#8220; pointer_events=&#8220;all&#8220;][vc_column_inner column_padding=&#8220;no-extra-padding&#8220; column_padding_tablet=&#8220;inherit&#8220; column_padding_phone=&#8220;inherit&#8220; column_padding_position=&#8220;all&#8220; column_element_direction_desktop=&#8220;default&#8220; column_element_spacing=&#8220;default&#8220; desktop_text_alignment=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_backdrop_filter=&#8220;none&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; column_link_target=&#8220;_self&#8220; overflow=&#8220;visible&#8220; gradient_direction=&#8220;left_to_right&#8220; overlay_strength=&#8220;0.3&#8243; width=&#8220;1\/1&#8243; tablet_width_inherit=&#8220;default&#8220; animation_type=&#8220;default&#8220; bg_image_animation=&#8220;none&#8220; border_type=&#8220;simple&#8220; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220;][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=&#8220;none&#8220; title=&#8220;Offene Pensionsfonds&#8220; id=&#8220;1713975721537-10&#8243; tab_id=&#8220;1713975721537-7&#8243;][vc_row_inner column_margin=&#8220;default&#8220; column_direction=&#8220;default&#8220; column_direction_tablet=&#8220;default&#8220; column_direction_phone=&#8220;default&#8220; top_padding=&#8220;2%&#8220; text_align=&#8220;left&#8220; row_position=&#8220;default&#8220; row_position_tablet=&#8220;inherit&#8220; row_position_phone=&#8220;inherit&#8220; overflow=&#8220;visible&#8220; pointer_events=&#8220;all&#8220;][vc_column_inner column_padding=&#8220;padding-5-percent&#8220; column_padding_tablet=&#8220;inherit&#8220; column_padding_phone=&#8220;inherit&#8220; column_padding_position=&#8220;right&#8220; column_element_direction_desktop=&#8220;default&#8220; column_element_spacing=&#8220;default&#8220; desktop_text_alignment=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_backdrop_filter=&#8220;none&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; column_link_target=&#8220;_self&#8220; overflow=&#8220;visible&#8220; gradient_direction=&#8220;left_to_right&#8220; overlay_strength=&#8220;0.3&#8243; width=&#8220;1\/2&#8243; tablet_width_inherit=&#8220;default&#8220; animation_type=&#8220;default&#8220; bg_image_animation=&#8220;none&#8220; border_type=&#8220;simple&#8220; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220; column_padding_type=&#8220;default&#8220; gradient_type=&#8220;default&#8220;][vc_column_text]\n<h2>Damit Sie Ihren Ruhestand unbesorgt genie\u00dfen k\u00f6nnen.<\/h2>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=&#8220;no-extra-padding&#8220; column_padding_tablet=&#8220;inherit&#8220; column_padding_phone=&#8220;inherit&#8220; column_padding_position=&#8220;all&#8220; column_element_direction_desktop=&#8220;default&#8220; column_element_spacing=&#8220;default&#8220; desktop_text_alignment=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_backdrop_filter=&#8220;none&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; column_link_target=&#8220;_self&#8220; overflow=&#8220;visible&#8220; gradient_direction=&#8220;left_to_right&#8220; overlay_strength=&#8220;0.3&#8243; width=&#8220;1\/2&#8243; tablet_width_inherit=&#8220;default&#8220; animation_type=&#8220;default&#8220; bg_image_animation=&#8220;none&#8220; border_type=&#8220;simple&#8220; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220;][vc_column_text css=&#8220;&#8220; text_direction=&#8220;default&#8220;]In Erg\u00e4nzung zu den \u00f6ffentlichen Rentenleistungen k\u00f6nnen Kunden private Vorsorgel\u00f6sungen in ihre Lebensplanung einbauen.<\/p>\n<p>Die freiwillig eingezahlten Beitr\u00e4ge werden in Finanzinstrumente investiert. Bei Rentenbeginn erfolgt die Auszahlung des angesparten Kapitals, wahlweise als Rente oder als Kapitalauszahlung.<\/p>\n<p>Der Staat f\u00f6rdert diese Vorsorge, indem er Steuervorteile f\u00fcr eingezahlte Beitr\u00e4ge, erzielte Renditen und ausgezahlte Rentenleistungen gew\u00e4hrt. Beitr\u00e4ge sind bis zu maximal 5.164,67 \u20ac pro Jahr steuerlich absetzbar (IRPEF). Zudem genie\u00dfen Auszahlungen eine bevorzugte steuerliche Behandlung.<\/p>\n<p><strong>Unser Angebot:<\/strong><\/p>\n<p>S\u00fcdtirol Bank bietet seinen Kunden eine breite Palette an L\u00f6sungen f\u00fcr die freiwillige Zusatzvorsorge. \u00dcber die\u00a0\u00a0Anlageberater k\u00f6nnen die offenen Pensionsfonds der Verm\u00f6gensverwalter <strong>Amundi SGR (SecondaPensione)<\/strong>,<strong> Anima SGR (Arti &amp; Mestieri)<\/strong> und <strong>Sella SGR (Eurorisparmio)<\/strong> gezeichnet werden:<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.animasgr.it\/IT\/investitore-privato\/prodotti\/Pagine\/fondopensione.aspx\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-989\" src=\"https:\/\/suedtirolbank.eu\/wp-content\/uploads\/2023\/04\/LogoAnima.png\" alt=\"\" width=\"207\" height=\"62\" title=\"\"><\/a><\/p>\n<p><a href=\"https:\/\/www.animasgr.it\/IT\/ComeInvestire\/DocumentazioneLegale\/ArtiEMestieriFondoPensioneAperto\/Pagine\/default.aspx\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-985 \" src=\"https:\/\/suedtirolbank.eu\/wp-content\/uploads\/2023\/04\/secondapensione.gif\" alt=\"\" width=\"270\" height=\"48\" title=\"\" srcset=\"https:\/\/suedtirolbank.eu\/wp-content\/uploads\/2023\/04\/secondapensione.gif 146w, https:\/\/suedtirolbank.eu\/wp-content\/uploads\/2023\/04\/secondapensione-140x26.gif 140w\" sizes=\"auto, (max-width: 270px) 100vw, 270px\" \/><\/a><\/p>\n<p><a href=\"https:\/\/www.eurorisparmiofondopensione.it\/eurorisparmio\/documentazione_modulistica.jsp\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-987\" src=\"https:\/\/suedtirolbank.eu\/wp-content\/uploads\/2023\/04\/eurorisparmio-logo.png\" alt=\"\" width=\"200\" height=\"40\" title=\"\"><\/a>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8220;default&#8220; 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