Managing retirement savings in Italy

Cheryl Moderator

Member since 15 October 2018

CherylModerator20 August 2025 07:31:12

14940

Hello everyone,

Saving for retirement as an expat in Italy can be challenging. With different options, rules or even taxation, expats have to understand how it works to make informed decisions. We invite you to share your insights in order to help other expats and soon-to-be expats manage or plan their retirement savings in Italy.

How do you handle retirement savings in Italy?

Have you faced any challenges accessing pension funds from your home country (or from other countries)? How do you deal with taxation or the currency exchange rates?

What local options are available to expats, either public or private, to help you save for retirement?

What are the most popular private pension or investment plans popular among expats in Italy?

What do you wish you had known earlier about saving for retirement as an expat?

Thank you for your contribution.

Cheryl
Expat.com Team

giuseppina rinaldi New member

Member since 15 July 2025

giuseppina rinaldiNew member28 August 2025 15:30:46

Hi, as someone who works with expats in Italy, I recommend not relying solely on INPS: consider private pension plans or investment funds to supplement the public pension and hedge against inflation. If you have foreign contributions, always check bilateral agreements to ensure your periods of contribution are recognized. Also, plan ahead for taxation and the impact of exchange rates if you receive funds from abroad a well-structured strategy can make a big difference in the long run.