I am a registered engineer and I am 61 years old. Looking for a job as an employee at this time would not only not be easy, but, paradoxically, it could also be inconvenient because, if I found it with a lower salary than the current one, I would see my future pension penalized, especially for the salary part, which based on salary for the last 5 years.
They advised me to open the VAT number at the Chamber of Commerce, immediately apply to redeem my degree, which would cost me less if requested with the current employment relationship, because it is heavily penalized by salary and age, and with the VAT number dedicate myself to consultancy activities until the retirement or age pension requirements are reached. By doing so, the employee pension would remain “frozen” on the last day worked as an employee and in fact it would not damage the current pension obtained as a manager, and any pension as a trader would simply be added to it. I would also like to know if the same thing can be done with Inarcassa, considering also that I am an engineer, and already registered with the Order, and everything would be infinitely simpler.
However, some tell me that there are disadvantages with professional speakers. Obviously in the case of Inarcassa the cumulation and reunification of the two social security positions should be used; instead in the case of the VAT number, opened with trade, both positions would fall under the INPS, and therefore everything would probably be simpler. Obviously the redemption of the degree done in this way would be cheaper, but it would obviously not increase the amount of the manager’s pension, which would instead happen in the case of redemption of the traditional degree done on the INPS position, which would increase the number of years remunerative, but which would objectively cost too much. Are these two scenarios that were presented to me reasonable, through trade or Inarcassa? And which would be more convenient in your opinion?
Dear reader,
the strategy suggested to you, relating to the cumulative contributions pursuant to Law no. 232/2016, appears correct: in the event of interruption of the managerial career, in order to still reach the contribution requirement of the ordinary early pension, he will be able to continue with a career as a self-employed worker or as an entrepreneur by adding the different managements together without any penalty on the check as the salary portion of the pension relating to the contribution as a manager will remain crystallized and will not take into account the taxable amount of the compensation subsequently received as a self-employed person or entrepreneur.
The same consideration must be carried out in the case of registration with Inarcassa. With reference to the management of traders and Inarcassa, assuming a study period before 1996, it is confirmed that the redemption charge will certainly be lower than the ordinary one calculable in the INPS employee fund, as it is linked to their income which, especially in the initial phase , will be much lower than those calculated in the pension management where he contributed as a manager.