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Fondo Pensione Aperto Unipolsai Previdenza FPA Bilancio

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Fondo Pensione Aperto Unipolsai Previdenza FPA Bilancio 2019 Fondo Pensione Aperto UnipolSai Previdenza FPA Bilancio Progetto Grafico Mercurio GP Srl Sede Legale: Via Stalingrado 45 – 40128 Bologna (Italia) Capitale sociale € 2.031.456.338,00 interamente versato Registro delle imprese di Bologna, C.F. 00818570012 – P.IVA 03740811207 – R.E.A. n. 511469 Società soggetta all’attività di direzione e coordinamento di Unipol Gruppo S.p.A., iscritta all’ Albo Imprese di Assicurazione e riassicurazione Sez. I al n.1.00006 e facente parte del Gruppo Assicurativo Unipol Iscritto all’Albo dei gruppi assicurativi n. 046 Bilancio 2019 del Fondo Pensione Aperto UnipolSai Previdenza FPA INDICE Relazione sulla gestione 7 Nota Integrativa – Informazioni generali 43 Comparto Garantito Flex Rendiconto della fase di accumulo 49 Comparto Obbligazionario Rendiconto della fase di accumulo 61 Comparto Bilanciato Etico Rendiconto della fase di accumulo 73 Comparto Bilanciato Prudente Rendiconto della fase di accumulo 87 Comparto Bilanciato Equilibrato Rendiconto della fase di accumulo 105 Comparto Bilanciato Dinamico Rendiconto della fase di accumulo 123 Comparto Azionario Rendiconto della fase di accumulo 141 Relazioni della Società di Revisione 157 UnipolSai Previdenza FPA Fondo pensione aperto a contribuzione definita Relazione sulla gestione 7 Situazione del Fondo al 31 dicembre 2019 Il Fondo Pensione Aperto UnipolSai Previdenza FPA (di seguito anche il "Fondo" o il "Fondo Pensione") ha proseguito, nel corso del 2019, la raccolta delle adesioni iniziata il 14 aprile 1999. Alla fine dell’esercizio il patrimonio complessivo netto del Fondo ammonta a 853.478.821,16 Euro, ripartiti su sette linee di investimento. Situazione previdenziale del fondo Al 31 dicembre 2019 risultano iscritti al Fondo n° 41.026 soggetti attivi, di cui n° 16.576 lavoratori che hanno aderito su base contrattuale collettiva in ragione di specifici accordi e n° 24.450 lavoratori che hanno aderito su base individuale. I contributi lordi incassati ed investiti nel 2019 ammontano 63.389.490,46 Euro, di cui 1.580,47 Euro per prestazioni accessorie del Ramo I. Dedotte le spese di adesione e gli oneri direttamente a carico degli aderenti, pari a 147.674,02 Euro, i contributi netti per le prestazioni resi disponibili per l’investimento al 31 dicembre 2019 risultano pari a 63.241.816,44 Euro. I contributi pervenuti sui conti correnti di UnipolSai Assicurazioni S.p.A. (di seguito anche: la Compagnia o la Società) entro 31 dicembre 2019 e non ancora valorizzati alla stessa data ammontano a 3.499.914,78 Euro, l’87% dei quali è stato comunque investito nel mese di gennaio 2020. Del totale dei contributi non valorizzati, 592.342,25 Euro non sono stati investiti nel 2019 in quanto la data di riferimento per l’investimento è risultata successiva all’ultimo giorno di valorizzazione dell’anno. I contributi incassati e non riconciliati entro il 31 dicembre ammontano invece a 2.907.572,53 Euro, di cui 2.702.368,10 Euro sono incassi pervenuti nello stesso mese di dicembre. In base alle scelte operate dagli iscritti, i contributi destinati agli investimenti sono confluiti nei singoli comparti come riportato nella seguente tabella: % Comparti di investimento contributi Garantito Flex 58,93% Obbligazionario 4,72% Bilanciato Etico 0,62% Bilanciato Prudente 1,88% Bilanciato Equilibrato 5,37% Bilanciato Dinamico 16,39% Azionario 12,09% Totale 100,00% I trasferimenti fra i diversi comparti di investimento del Fondo Pensione, richiesti dagli aderenti nel corso del 2019 ai sensi dell’art. 6, comma 2, del Regolamento del Fondo, sono riepilogati nella seguente tabella: 9 Quote annullate Quote emesse per Comparti di Controvalore Controvalore per trasferimento trasferimento da investimento Disinvestito Investito ad altri comparti altri comparti Garantito Flex 206.441,81 2.048.701,49 579.424,94 5.818.048,93 Obbligazionario 110.766,25 2.117.508,63 123.355,28 2.381.193,40 Bilanciato Etico 13.508,82 140.464,32 33.707,36 344.539,38 Bilanciato Prudente 321.966,64 6.157.195,53 313.111,13 6.041.843,57 Bilanciato Equilibrato 261.620,14 4.900.790,12 259.187,55 4.899.100,16 Bilanciato Dinamico 535.117,63 8.952.987,64 434.532,24 7.254.622,61 Azionario 265.340,66 3.102.950,09 59.917,64 681.249,77 Totale 1.714.761,959 27.420.597,82 1.803.236,134 27.420.597,82 Le liquidazioni effettuate dal Fondo nel 2019, per ognuno dei comparti di investimento, risultano dalle seguenti tabelle di riepilogo: Comparti di Anticipazioni Prestazioni maturate (*) investimento N° quote Controvalore N° quote Controvalore Garantito Flex 173.745,668 1.751.143,53 335.856,897 3.385.498,97 Obbligazionario 59.160,759 1.150.085,28 193.242,166 3.778.480,27 Bilanciato Etico 133.886,981 1.387.967,79 221.039,099 2.300.683,06 Bilanciato Prudente 135.960,509 2.692.004,94 290.050,708 5.721.467,66 Bilanciato Equilibrato 15.932,691 308.010,98 49.290,057 961.997,66 Bilanciato Dinamico 156.673,425 2.757.012,65 281.247,802 4.945.849,23 Azionario 133.142,610 1.558.381,09 76.262,090 892.710,84 Totale 808.502,643 11.604.606,26 1.446.988,819 21.986.687,69 (*) la voce comprende trasformazioni in rendita per 1.300.095,20 Euro Comparti di Trasferimenti e riscatti Sinistri (**) Totale investimento N° quote Controvalore N° quote Controvalore N° quote Controvalore Garantito Flex 533.461,164 5.369.980,49 28.327,250 286.069,21 561.788,414 5.656.049,70 Obbligazionario 212.280,910 4.121.850,21 7.676,526 148.456,09 219.957,436 4.270.306,30 Bilanciato Etico 83.774,702 871.521,76 16.000,722 164.931,43 99.775,424 1.036.453,19 Bilanciato Prudente 454.478,765 8.971.555,86 17.680,221 349.641,85 472.158,986 9.321.197,71 Bilanciato Equilibrato 120.793,484 2.364.739,21 655,974 13.084,71 121.449,458 2.377.823,92 Bilanciato Dinamico 566.514,622 9.947.954,90 13.865,384 241.695,90 580.380,006 10.189.650,80 Azionario 461.122,322 5.396.241,65 20.405,873 227.506,25 481.528,195 5.623.747,90 Totale 2.432.425,969 37.043.844,08 104.611,950 1.431.385,44 2.537.037,919 38.475.229,52 (**) compresi nella voce di conto economico 10 c) Trasferimenti e riscatti 10 Al 31 dicembre 2019 l’ammontare netto del patrimonio di ciascun comparto di investimento del Fondo Pensione, ossia dell’attivo del Fondo destinato alle prestazioni previdenziali, risulta dalla seguente tabella di riepilogo: 31/12/2019 31/12/2018 Comparti di Ammontare Numero delle Ammontare Numero delle % sul % sul investimento netto del quote in netto del quote in totale totale patrimonio essere patrimonio essere Garantito Flex 141.705.673,93 16,60% 13.970.214,653 108.232.770,97 13,57% 10.965.676,010 Obbligazionario 91.852.161,07 10,76% 4.678.735,598 94.649.080,78 11,87% 4.984.986,970 Bilanciato Etico 71.704.962,03 8,40% 6.828.855,090 72.435.204,46 9,08% 7.225.514,249 Bilanciato Prudente 181.696.316,52 21,29% 9.044.776,133 187.298.328,75 23,49% 9.891.561,998 Bilanciato 50.101.866,27 5,87% 2.491.417,323 46.266.077,85 5,80% 2.507.402,184 Equilibrato Bilanciato Dinamico 194.017.086,94 22,73% 10.626.405,888 181.408.563,06 22,75% 11.153.775,199 Azionario 122.400.754,40 14,34% 9.939.334,191 107.231.773,91 13,45% 10.179.284,035 Totale 853.478.821,16 100,00% 57.579.738,876 797.521.799,78 100,00% 56.908.200,645 Regime Fiscale Il Fondo, istituito in regime di contribuzione definita, è soggetto ad imposta sostitutiva delle imposte sui redditi, di cui all’art. 17 del D. Lgs. n. 252/05, nella misura del 20% sul risultato netto maturato in ciascun periodo d’imposta. Fanno eccezione i rendimenti derivanti da titoli pubblici ed equiparati, che concorrono alla formazione della base imponibile della predetta imposta sostitutiva nella misura del 62,50% con una conseguente riduzione della tassazione effettiva al 12,50%. Il Fondo può destinare fino al 10% (prima del 2019 era il 5%) dell’attivo patrimoniale risultante dal rendiconto dell’esercizio precedente ad investimenti qualificati e piani di risparmio di lungo termine (PIR) i cui redditi sono esenti dall’imposta sostitutiva e si considerano già assoggettati ad imposta ai fini della tassazione delle prestazioni pensionistiche erogate agli iscritti. Per investimenti qualificati si intendono le somme investite in: • azioni o quote di imprese residenti nel territorio dello Stato o in Stati membri dell’Unione Europea o in Stati aderenti all’Accordo sullo Spazio economico europeo con stabile organizzazione nel territorio medesimo; • quote o azioni di OICR residenti nel territorio dello Stato o in Stati membri dell’Unione Europea o in Stati aderenti all’accordo sullo Spazio Economico Europeo, che investono prevalentemente in azioni e quote di imprese UE o SE; • quote o azioni di Fondi per il Venture Capital residenti nel territorio dello Stato o in Stati membri dell’Unione Europea o in Stati aderenti all’accordo sullo Spazio Economico Europeo. Per beneficiare della suddetta esenzione fiscale, gli strumenti finanziari oggetto di investimento qualificato o i PIR devono essere detenuti dal Fondo per almeno cinque anni. Modifica della documentazione del Fondo In data 29 marzo 2019 è stato effettuato l’aggiornamento annuale della Nota informativa e dell’ulteriore documentazione del Fondo.
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