What Funds available for employees in Italy?

This guide provides an overview of the pension and fund options available for employees based in Italy, including both mandatory and voluntary contributions.


1. Quadri Positions (Managerial Roles)

Employees in Quadri positions are automatically enrolled in two mandatory funds:

  • Quas: Integrative health care fund
  • Quadriflor: Fund for skills development

Contribution Details:

  • Employee Contribution: Approximately €81 per year.
  • Employer Contribution: Approximately €400 per year.

These funds cover health care benefits and skills development for employees in managerial positions.


2. Positions Up to Level I (Non-managerial Roles)

Employees in positions up to Level I are automatically enrolled in Fondo Est, a mandatory supplementary health care fund.

Contribution Details:

  • Employee Contribution: €10 per year.

This fund provides supplementary health care benefits for non-managerial employees.


3. Pension Fund (Fon.te)

The Fon.te pension fund is voluntary. Employees can choose to subscribe to the fund at any time during their employment. If an employee opts to enroll in Fon.te, both the employee and employer must contribute.

Contribution Details:

  • Employee Contribution: Typically 0.55% of their salary (can increase up to 4%).
  • Employer Contribution: Usually 1.55% of the salary, depending on the employee’s contribution percentage.

This voluntary pension plan provides employees with an additional retirement savings option. Interested? Find more about it in this article: What is Fon.Te. Supplementary Pension Plan for employees in Italy? : Horizons Help Center (joinhorizons.com) 

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