Postafuturo Sure It reallys? Here’s What You Absolutely Know

Index

• What is it and how does Postafuturo Certo work
• Requirements to join Postafuturo Certo
• How to join the fund
• How to pay contributions
• What contributions with Postafuturo Certo are invested in
• What pension benefits can be obtained
• How and when you can redeem your position
• How to control pip management
• The opinion of jadnews
• Join the jadnews Club. It is free!

What is it and how does Postafuturo Certo work

So, I just said that Postafuturo Sure is in everything and for everything in the category Italian Postal policies.

Given that its duration is 20 years, it is also considered as a form of supplementary pension provision, but, unlike pension funds, it is a single premium, while contemplating the possibility of increasing the capital by paying additional shares.

At the time of subscription, you will have to choose who to allocate the capital in case of death. Also remember that you can change the name of the death case beneficiaries at any time and at no additional cost.

Requirements to join Postafuturo Certo

Anyone can join Postafuturo Sure.

The only limit, being an Italian life insurance policy, is the age: you can not take out future mail insurance if you are over 85 years.

How to join the fund

To join Postafuturo Certainly, it is necessary to make a telephone appointment and go to one of the many authorized post offices on the national territory.

Do not forget to bring with you a valid identity document that attests to your age.

How to pay contributions

To join the Postafuturo investment fund Of course, it is necessary to make a first payment of an amount of not less than € 2.500,00. This amount will form the basis of your insurance and the first prize paid.

Afterwards, you can add additional fees at any time you want, the day after the subscription. These allowances, which can also be paid online, must have amounts:

• Not less than €500 (100 € if online);
• Not more than €5,000.

What contributions with Postafuturo Certo are invested in

The prizes paid are invested by the Separate Management Post Value Plus in financial instruments of bond nature ( (the (Government bonds, corporate bonds and corporate bonds and leament less) and to a lesser extent in other financial instruments.

The risk profile of Postafuturo Certainly is therefore rather low, as it provides for at least the repayment of the paid-up capital net of costs and guarantees, through the liquidation of the insured capital, an insurance coverage to the beneficiaries designated in the event of the death of the insured.

As for returns by making, for example, an investment simulation with a total premiums paid of €10,000, it can be assumed that the return on Postafuturo Certo  varies from one – 0.67% in the case of a stress scenario to a +1.17% in the event of a favorable scenario.

To the eye and the cross it doesn’t seem the best, does it?

What pension benefits can be obtained

The contract provides the following types of services:

• Benefits in the event of the death of the insured: in the event of the death of the insured before the expiry of the contractor, the insured capital accrued on that date will be granted to the beneficiaries designated by the contractor, the amount of which will be at least equal to the premiums paid net of the costs reduced by taxes and operating costs from 3 to 1.5%;
• Performance in case of expiration life: at the expiry of the policy, in case of life of the insured, it will be possible to request:
  • the payment of the paid-up capital (net of costs and possible redeeming), revalued on the basis of the actual result achieved by the Separate Postavalore More Management;
  • the conversion of the liquidable capital (net of tax) into an immediate annuity, revaluable according to the conditions and the coefficients that will be in force at that time.

How and when you can redeem your position

The contractor has the right to withdraw from the contract within 30 days from the date of signing the same and payment of the prize, or from its conclusion.

The contractor, after one year from the date of signing the contract, may also exercise the redemption, both total and partial, of the service accrued. In the event of redemption, the contractor, although there are no exit penalties, bear the risk, as a result of the costs, risks obtaining a liquidation of less than the premiums paid.

The only condition, for partial redemption, is that the remaining capital is not less than € 3,000 and the amount requested not less than €500.

How to control pip management

It is possible to control the management of the Fund thanks to the multichannel services offered by the Poste Italiane website.

By accessing the reserved area through your username and password you can in fact:

• Examine the contractual conditions signed;
• Check the insurance coverage and the status of your practices;
• Check the status of premium payments and related deadlines

The opinion of jadnews

We now come to Postafuturo Certo opinions, the part that probably interests you the most.

We also defamse the concept of “Certain” capital, because it is certainly only that you will not be able to redeem the capital invested in full, but will be reduced from 3% to 1.5% of management expenses and taxes.

Also put it that it does not recognize any guaranteed minimum interest rate and offers very low returns.

In short, Postefuturo Of course he does not convince me at all!

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