Athora Italia: 30% of over-55s regret late sign-up

Context

In brief

• 30% of over 55s regret late adhesion to complementary pension
• 91% satisfaction among those who have joined
• 26% believe they joined too late

Key facts

• What: Regret for late adhesion to complementary pension
• When: First wave 2026 of the look to the future Observatory by Athora Italia
• Where: Italy
• Who: Athora Italia, Nomisma
• Amount: 30% of over 55s regret late adhesion

Among those who have joined a complementary pension solution, nearly one in three over 55s (30%) regret having subscribed too late. This is revealed by the first wave 2026 of the look to the future Observatory by Athora Italia, a life insurance company of the Athora Group. Among Italians who have subscribed to instruments such as pension funds and Pip, the level of satisfaction is almost total (91%). However, a critical element related to timing emerges: 26% believe they joined too late, with a more widespread perception in central Italy (30%).

The survey, carried out in collaboration with Nomisma, highlights how gender, age, and geographical residence are determining factors in defining Italians' approaches to longevity and public and supplementary pension, showing substantial differences both in feelings and behaviors, as well as in the perception of their present and future.

Implications for cross-border workers

For cross-border workers who work in Ticino and reside in Italy, complementary pension represents a crucial element to ensure an adequate pension. The satisfaction of 91% among those who have joined instruments such as pension funds and Pip is a positive signal, but the regret of 30% of over 55s for not having joined earlier underlines the importance of timely planning their supplementary pension.

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Operational details

Practical Analysis

Complementary pension schemes are a crucial topic for cross-border workers who work in Ticino and reside in Italy. The 91% satisfaction rate among those who have joined tools such as pension funds and Pip is a positive sign, but the regret of 30% of over-55s for not having joined earlier underscores the importance of timely planning for supplementary pension provision.

Geographic and Generational Differences

The prospect of a longer life generates mixed emotions that vary significantly across the peninsula and between generations. While joy and optimism (declared by 27% of the total) are more widespread among men (30%) and in Central Italy (30%), young people under 35 appear to be the most vulnerable, registering the highest levels of anxiety (15%) and concern (22%). This generational fragility is also reflected in economic concerns, felt by 33% of the youngest age group (18-34 years) and peaking at 34% among 35-54-year-olds, compared to just 19% of over-55s, a sign of greater perceived precarity in the central phases of life.

Concerns About Self-Sufficiency

The fear of not being self-sufficient emerges as a priority issue for 73% of Italians, especially for the female component (81%) and the elderly (76% of over-55s). The greatest concerns are the burden of care on family members (72%) and related costs (68%). To counteract these risks and prepare for aging, behaviors diverge between geographical areas and age groups: while physical health care is the main strategy for over-55s (75%) and Central Italy residents (67%), those living in the North are more inclined to accumulate economic resources (50%), as are over-55s (52%).

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Key points

Concrete action

For cross-border workers who work in Ticino and reside in Italy, it is crucial to plan their complementary pension scheme promptly. Here are some concrete steps to follow:

Evaluating the options

First of all, it is important to evaluate the different complementary pension options available. Pension funds and Pip (Individual Pension Plans) are two tools that offer tax advantages and the possibility to accumulate resources for retirement. Use the pension calculator to get a clear idea of your options and tax benefits.

Timely enrollment

Do not postpone enrolling in complementary pension schemes. The regret of 30% of over 55s for not having joined earlier is a clear sign of the importance of acting promptly. Use the pension fund comparator to find the solution best suited to your needs.

Financial planning

Financial planning is essential to ensure an adequate pension. Evaluate your current and future economic situation, and plan your savings so that you can accumulate sufficient resources for complementary pension. Use the salary calculator to get a clear idea of your income and expenses.

Professional advice

If you have doubts or need assistance, do not hesitate to contact a financial advisor. A professional can help you evaluate the available options and plan your complementary pension effectively. Use the financial advisor comparator to find the professional best suited to your needs.

Monitoring and updating

Finally, it is important to regularly monitor and update your complementary pension. Your needs and your economic situation can change over time, so it is fundamental to adapt your pension strategy accordingly. Use the pension calculator to monitor your progress and update your strategy.

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