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I tassi negativi introdotti dalla Banca nazionale svizzera (BNS) stanno erodendo gli averi dei lavoratori prelevati dalle casse pensioni. Sui conti degli istituti della previdenza professionale ci sono cifre colossali che ora però non rendono nulla. Anzi: costano. Tanto che alcuni stanno valutando di non più depositare la liquidità.
La situazione preoccupa notevolmente gli assicuratori confrontati, da un lato, alle molte difficoltà del mercato finanziario e, dall’altro, dall’obbligo di garantire un tasso di interesse minimo dell’1,75%. Venerdì l'organizzazione de gli istituti di previdenza ha chiesto alla BNS di poter avere un conto corrente senza interessi negativi. Esattamente come quello assicurato a Publica, la cassa federale che, come azienda vicina alla Confederazione, è stata esentata dal pagamento.
La BNS non ha ancora preso posizione, ma è poco probabile che l'istituto apra i suoi servizi e crei eccezioni per tutte le casse pensioni. Ma è chiaro che a lungo termine i tassi negativi compromettono ulteriormente la sicurezza delle rendite dei futuri pensionati.
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