{"id":35611,"date":"2025-04-22T12:27:52","date_gmt":"2025-04-22T10:27:52","guid":{"rendered":"https:\/\/abi-newsite.azurewebsites.net\/?page_id=35611"},"modified":"2025-06-19T15:34:36","modified_gmt":"2025-06-19T13:34:36","slug":"risparmio-e-investimenti","status":"publish","type":"page","link":"https:\/\/www.abi.it\/en\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/","title":{"rendered":"Savings and investments"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"35611\" class=\"elementor elementor-35611\" data-elementor-post-type=\"page\">\n\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-578d28d elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible pxl-section-fix-none pxl-bg-color-none pxl-section-overlay-none\" data-id=\"578d28d\" data-element_type=\"section\" data-e-type=\"section\" id=\"skip-to-main-content\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended\">\n                <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-14b702b pxl-column-sticky elementor-hidden-tablet elementor-hidden-mobile pxl-column-overflow-hidden-no\" data-id=\"14b702b\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                     \n        <div class=\"elementor-element elementor-element-7edbd7b elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"7edbd7b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;widescreen&quot;,&quot;desktop&quot;,&quot;laptop&quot;,&quot;tablet_extra&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea71c4d elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-pxl_menu\" data-id=\"ea71c4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \n\n    <div class=\"pxl-nav-menu pxl-nav-menu1 style-default hover-underline sub-style-default show-effect-slideup sub-hover-left-line pxl-mega-full-width pxl-layout-vertical\" data-wow-delay=\"ms\">\n        <div class=\"menu-risparmio_e_investimenti-container\"><ul id=\"menu-risparmio_e_investimenti\" class=\"pxl-menu-primary clearfix\"><li id=\"menu-item-34704\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34704\"><a href=\"#mifid2\"><span class=\"pxl-menu-item-text\">MiFID2<span class=\"pxl-item-menu-icon pxl-hide\"><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-34705\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34705\"><a href=\"#pir\"><span class=\"pxl-menu-item-text\">Individual Savings Plans (PIR)<span class=\"pxl-item-menu-icon pxl-hide\"><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-34706\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34706\"><a href=\"#tdt\"><span class=\"pxl-menu-item-text\">Application form for the Transferable Securities Account Service (TDT)<span class=\"pxl-item-menu-icon pxl-hide\"><\/span><\/span><\/a><\/li>\n<\/ul><\/div>    <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-caa1065 pxl-column-sticky pxl-column-overflow-hidden-no\" data-id=\"caa1065\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                     \n        \t\t<div class=\"elementor-element elementor-element-25761a2 elementor-align-left elementor-widget elementor-widget-breadcrumbs\" data-id=\"25761a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav id=\"breadcrumbs\"><span><span><a href=\"https:\/\/abi-newsite.azurewebsites.net\/\">Home<\/a><\/span><\/span><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aef15e0 section e-flex e-con-boxed e-con e-parent\" data-id=\"aef15e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e8cf0d elementor-widget elementor-widget-heading\" data-id=\"2e8cf0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Savings and investments<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-491bea0 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"491bea0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>Banks play an essential function in channelling customers' savings towards financial and insurance investments.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dcbdb7 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"5dcbdb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>Banks are in fact intermediaries authorised to provide investment services (investment advice, portfolio management, reception and transmission of orders, dealing on own account, execution of orders on behalf of clients, underwriting and\/or placement on the basis of an irrevocable commitment to the issuer).<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83654b2 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"83654b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>All investment services relate to financial instruments, the term referring mainly to shares, bonds, government securities, mutual fund shares, contracts and derivatives.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-309531d elementor-widget elementor-widget-pxl_text_editor\" data-id=\"309531d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>Banks are also authorised to distribute insurance investment products on an advisory basis: guaranteed capital policies (life class I), unit-linked policies (life class III), capitalisation life policies (life class V) and multi-branch policies, which combine aspects of life class I and life class III.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3927a2 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"a3927a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>The provision of investment services and the distribution of insurance investment products is regulated by legislation:<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bb90f3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0bb90f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">European: mainly the Markets in Financial Instruments Directive 2014\/65\/EU (better known as MiFID II) and the Insurance Distribution Directive 2016\/97\/EU (better known as IDD);<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">national transposition of European legislation, consisting of the Consolidated Law on Finance (TUF) pursuant to Legislative Decree No 58 of 24 February 1998, and the Private Insurance Code (CAP) pursuant to Legislative Decree No 209 of 7 September 2005.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2031151 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"2031151\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>Banks also provide support services to companies to access capital markets. In fact, companies can raise resources by listing their share capital and issuing bonds.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-696bdfe section e-flex e-con-boxed e-con e-parent\" data-id=\"696bdfe\" data-element_type=\"container\" data-e-type=\"container\" id=\"mifid2\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6786e0f elementor-widget elementor-widget-heading\" data-id=\"6786e0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"> MiFID2<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-296c247 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"296c247\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>The ABI, together with the Consumer Associations, has drawn up a number of information guides to explain in a clear and simple manner the new obligations that MiFID2 has placed on banks and other intermediaries providing investment services in order to strengthen customer protection. They cover the disclosure of costs and charges on investments and the integration of the client profiling questionnaire with the collection of client preferences.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6027645 elementor-widget elementor-widget-shortcode\" data-id=\"6027645\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'>\n    <div class=''>\n\n        \n        <div id=\"content_wpdm_package_1\">\n            <div class='row'><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/il-questionario-di-profilatura-mifid2-si-arricchisce-con-le-preferenze-di-sostenibilita\/?wpdmdl=28712&refresh=69e03a5f986bd1776302687\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewbox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskunits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    height=\"24\"\n                    fill=\"#D9D9D9\"\n                  \/>\n                <\/mask>\n                <g mask=\"url(#mask0_3240_9322)\">\n                  <path\n                    d=\"M27.7393 36.8845L24.2008 33.346L24.9085 32.6267L27.2393 34.9575V26.3075H28.2393V34.9575L30.57 32.6267L31.2778 33.346L27.7393 36.8845ZM22.3548 40.3075C21.8944 40.3075 21.5101 40.1533 21.2018 39.845C20.8934 39.5367 20.7393 39.1523 20.7393 38.692V36.269H21.7393V38.692C21.7393 38.846 21.8033 38.9871 21.9315 39.1152C22.0597 39.2434 22.2008 39.3075 22.3548 39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/il-questionario-di-profilatura-mifid2-si-arricchisce-con-le-preferenze-di-sostenibilita\/?wpdmdl=28712&refresh=69e03a5f986bd1776302687\">MiFID2 profiling questionnaire enriched with sustainability preferences<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > <p>Guide<\/p>\n\n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 9 June 2023\n              <\/span>\n            <\/div>\n \n            <!--Guida\n...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/il-questionario-di-profilatura-mifid2-si-arricchisce-con-le-preferenze-di-sostenibilita\/?wpdmdl=28712&refresh=69e03a5f986bd1776302687\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/il-questionario-di-profilatura-mifid2-si-arricchisce-con-le-preferenze-di-sostenibilita\/\">Il questionario di profilatura MiFID2 si arricchisce con le preferenze di sostenibilit\u00e0<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 3.17 MB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 10879 downloads\n                <\/span>\n            <\/h3>\n            Guida\n...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/il-questionario-di-profilatura-mifid2-si-arricchisce-con-le-preferenze-di-sostenibilita\/?wpdmdl=28712&refresh=69e03a5f986bd1776302687\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/mifid2-informazioni-piu-chiare-e-complete-sui-costi-e-oneri-degli-investimenti-2\/?wpdmdl=28735&refresh=69e03a5fe3a451776302687\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewbox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskunits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    height=\"24\"\n                    fill=\"#D9D9D9\"\n                  \/>\n                <\/mask>\n                <g mask=\"url(#mask0_3240_9322)\">\n                  <path\n                    d=\"M27.7393 36.8845L24.2008 33.346L24.9085 32.6267L27.2393 34.9575V26.3075H28.2393V34.9575L30.57 32.6267L31.2778 33.346L27.7393 36.8845ZM22.3548 40.3075C21.8944 40.3075 21.5101 40.1533 21.2018 39.845C20.8934 39.5367 20.7393 39.1523 20.7393 38.692V36.269H21.7393V38.692C21.7393 38.846 21.8033 38.9871 21.9315 39.1152C22.0597 39.2434 22.2008 39.3075 22.3548 39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/mifid2-informazioni-piu-chiare-e-complete-sui-costi-e-oneri-degli-investimenti-2\/?wpdmdl=28735&refresh=69e03a5fe3a451776302687\">MiFID2: clearer and more comprehensive information on investment costs and charges<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > <p>Guide - Pdf<\/p>\n\n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 29 January 2021\n              <\/span>\n            <\/div>\n \n            <!--Guida - Pdf\n...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/mifid2-informazioni-piu-chiare-e-complete-sui-costi-e-oneri-degli-investimenti-2\/?wpdmdl=28735&refresh=69e03a5fe3a451776302687\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/mifid2-informazioni-piu-chiare-e-complete-sui-costi-e-oneri-degli-investimenti-2\/\">MiFID2: informazioni pi\u00f9 chiare e complete sui costi e oneri degli investimenti<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 3 MB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 8838 downloads\n                <\/span>\n            <\/h3>\n            Guida - Pdf\n...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/mifid2-informazioni-piu-chiare-e-complete-sui-costi-e-oneri-degli-investimenti-2\/?wpdmdl=28735&refresh=69e03a5fe3a451776302687\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><\/div>            <div style='clear:both'><\/div><div class='text-center'><ul class='pagination wpdm-pagination pagination-centered text-center'><\/ul><\/div><div style='clear:both'><\/div>        <\/div>\n\n        <div style='clear:both'><\/div>\n    <\/div>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b4b410 section e-flex e-con-boxed e-con e-parent\" data-id=\"3b4b410\" data-element_type=\"container\" data-e-type=\"container\" id=\"pir\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c745064 elementor-widget elementor-widget-heading\" data-id=\"c745064\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Individual Savings Plans (PIR)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a956dc elementor-widget elementor-widget-pxl_text_editor\" data-id=\"8a956dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>PIRs are medium- to long-term forms of investment specifically regulated by Italian law to direct savings towards companies and which, if specific requirements are met, allow subscribers to obtain important tax benefits.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c666efa elementor-widget elementor-widget-pxl_text_editor\" data-id=\"c666efa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>PIRs are medium- to long-term forms of investment specifically regulated by Italian law to direct savings towards companies and which, if specific requirements are met, allow subscribers to obtain important tax benefits.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-173734b elementor-widget elementor-widget-shortcode\" data-id=\"173734b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/piani-individuali-di-risparmio-pir-le-novita-del-d-l-anticipi\/?wpdmdl=26623&refresh=69e03a604273b1776302688\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewbox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskunits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    height=\"24\"\n                    fill=\"#D9D9D9\"\n                  \/>\n                <\/mask>\n                <g mask=\"url(#mask0_3240_9322)\">\n                  <path\n                    d=\"M27.7393 36.8845L24.2008 33.346L24.9085 32.6267L27.2393 34.9575V26.3075H28.2393V34.9575L30.57 32.6267L31.2778 33.346L27.7393 36.8845ZM22.3548 40.3075C21.8944 40.3075 21.5101 40.1533 21.2018 39.845C20.8934 39.5367 20.7393 39.1523 20.7393 38.692V36.269H21.7393V38.692C21.7393 38.846 21.8033 38.9871 21.9315 39.1152C22.0597 39.2434 22.2008 39.3075 22.3548 39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/piani-individuali-di-risparmio-pir-le-novita-del-d-l-anticipi\/?wpdmdl=26623&refresh=69e03a604273b1776302688\">Individual Savings Plans (PIR). The novelties of the 'D.L. Anticipi<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > \n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 31 July 2024\n              <\/span>\n            <\/div>\n \n            <!--...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/piani-individuali-di-risparmio-pir-le-novita-del-d-l-anticipi\/?wpdmdl=26623&refresh=69e03a604273b1776302688\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/piani-individuali-di-risparmio-pir-le-novita-del-d-l-anticipi\/\">Piani individuali di risparmio (PIR). Le novit\u00e0 del \u201cD.L. Anticipi\u201d<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 4.27 MB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 8729 downloads\n                <\/span>\n            <\/h3>\n            ...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/piani-individuali-di-risparmio-pir-le-novita-del-d-l-anticipi\/?wpdmdl=26623&refresh=69e03a604273b1776302688\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c93167f section e-flex e-con-boxed e-con e-parent\" data-id=\"c93167f\" data-element_type=\"container\" data-e-type=\"container\" id=\"tdt\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f056aa1 elementor-widget elementor-widget-heading\" data-id=\"f056aa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Application form for the Transferable Securities Account Service (TDT)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c47aae elementor-widget elementor-widget-pxl_text_editor\" data-id=\"4c47aae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner\" data-wow-delay=\"ms\">\n\t\t<p>The Securities Dossier Transfer Service (TDT) allows a client to apply to a bank ('new bank') to take over the necessary steps to automatically transfer the financial instruments held in the client's existing dossier with another bank ('original bank' and 'original dossier') to the dossier opened by the client with the same bank ('new dossier'), as well as to manage the request to change the placing bank with regard to non-dematerialised UCITS units or shares.<\/p><p>The request for the DTT service must be made by the customer by filling in the appropriate form, which is defined by an interbank regulation.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40635df elementor-widget elementor-widget-shortcode\" data-id=\"40635df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/modulo-di-richiesta-del-servizio-di-trasferibilita-del-dossier-titoli-tdt\/?wpdmdl=29009&refresh=69e03a60790531776302688\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewbox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskunits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    height=\"24\"\n                    fill=\"#D9D9D9\"\n                  \/>\n                <\/mask>\n                <g mask=\"url(#mask0_3240_9322)\">\n                  <path\n                    d=\"M27.7393 36.8845L24.2008 33.346L24.9085 32.6267L27.2393 34.9575V26.3075H28.2393V34.9575L30.57 32.6267L31.2778 33.346L27.7393 36.8845ZM22.3548 40.3075C21.8944 40.3075 21.5101 40.1533 21.2018 39.845C20.8934 39.5367 20.7393 39.1523 20.7393 38.692V36.269H21.7393V38.692C21.7393 38.846 21.8033 38.9871 21.9315 39.1152C22.0597 39.2434 22.2008 39.3075 22.3548 39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/modulo-di-richiesta-del-servizio-di-trasferibilita-del-dossier-titoli-tdt\/?wpdmdl=29009&refresh=69e03a60790531776302688\">Application form for the Transferable Securities Account Service (TDT)<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > \n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 21 January 2025\n              <\/span>\n            <\/div>\n \n            <!--...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/modulo-di-richiesta-del-servizio-di-trasferibilita-del-dossier-titoli-tdt\/?wpdmdl=29009&refresh=69e03a60790531776302688\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/modulo-di-richiesta-del-servizio-di-trasferibilita-del-dossier-titoli-tdt\/\">Modulo di richiesta del servizio di trasferibilit\u00e0 del dossier titoli (TDT)<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 70.85 KB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 9401 downloads\n                <\/span>\n            <\/h3>\n            ...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/modulo-di-richiesta-del-servizio-di-trasferibilita-del-dossier-titoli-tdt\/?wpdmdl=29009&refresh=69e03a60790531776302688\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7824e1e e-con-full e-flex e-con e-child\" data-id=\"7824e1e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<header class=\"elementor-element elementor-element-e3be711 e-con-full e-flex e-con e-child\" data-id=\"e3be711\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f72120d elementor-widget__width-auto elementor-widget elementor-widget-pxl_heading\" data-id=\"f72120d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div id=\"pxl-pxl_heading-f72120d-1042\" class=\"pxl-heading\" >\n\t<div class=\"pxl-heading--container\" >\n\t\t<div class=\"pxl-heading--inner\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"pxl-item--title pxl-heading-default1\" data-wow-delay=\"\">\n\t\t\t\tRelated articles\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t<\/div>\n\t\t\n\t<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c557eda elementor-mobile_extra-align-center elementor-hidden-mobile_extra elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"c557eda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/media\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Go to media<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/header>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a5c3e3 elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"2a5c3e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:&quot;37200&quot;,&quot;row_gap_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:24,&quot;sizes&quot;:[]},&quot;row_gap_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:24,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;row_gap_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:40,&quot;sizes&quot;:[]},&quot;_skin&quot;:&quot;post&quot;,&quot;columns&quot;:&quot;3&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_widescreen&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-loop-nothing-found-message\">\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b97fb8a elementor-mobile_extra-align-center elementor-hidden-widescreen elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-widget elementor-widget-button\" data-id=\"b97fb8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/media\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Go to media<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60aab85 elementor-widget elementor-widget-html\" data-id=\"60aab85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>\n \n    const sections = document.querySelectorAll('.section');\n    const menuItems = document.querySelectorAll('#menu-risparmio_e_investimenti li a');\n    function setActiveMenu() {\n      let current = sections[0].getAttribute('id');\n      let minDistance = Number.POSITIVE_INFINITY;\n      sections.forEach(section => {\n        const distance = Math.abs(section.getBoundingClientRect().top);\n        if (distance < minDistance) {\n          minDistance = distance;\n          current = section.getAttribute('id');\n        }\n      });\n      menuItems.forEach(link => {\n        link.classList.remove('active');\n        if (link.getAttribute('href') === '#' + current) {\n          link.classList.add('active');\n        }\n      });\n    }\n    window.addEventListener('scroll', setActiveMenu);\n    window.addEventListener('load', setActiveMenu);\n<\/script>\n \n \n<style>\n    .well.c2a3 {\n        padding: 0;\n        padding-left: 10px;\n        margin-bottom: 0;\n        background-color: green;\n    }\n    \/*.fas.fa-hdd.mr-1,*\/\n    \/*.ml-3.far.fa-arrow-alt-circle-down.mr-1{*\/\n    \/*    color: #074973;*\/\n    \/*}*\/\n    .text-center {\n        display: none;\n    }\n\n \n.active {\n  font-weight: 800 !important;\n  color: #074973 !important;\n}\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>MiFID2 Piani individuali di risparmio (PIR) Modulo di richiesta del servizio di trasferibilit\u00e0 del dossier titoli (TDT) Risparmio e investimenti Le banche svolgono una funzione essenziale nel canalizzare i risparmi dei clienti verso investimenti finanziari e assicurativi. Le banche sono infatti intermediari autorizzati a prestare i servizi di investimento (consulenza in materia di investimenti, gestione [&hellip;]<\/p>","protected":false},"author":7,"featured_media":0,"parent":35589,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-35611","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Risparmio e investimenti - ABI - Associazione Bancaria Italiana<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.abi.it\/en\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Risparmio e investimenti - ABI - Associazione Bancaria Italiana\" \/>\n<meta property=\"og:description\" content=\"MiFID2 Piani individuali di risparmio (PIR) Modulo di richiesta del servizio di trasferibilit\u00e0 del dossier titoli (TDT) Risparmio e investimenti Le banche svolgono una funzione essenziale nel canalizzare i risparmi dei clienti verso investimenti finanziari e assicurativi. Le banche sono infatti intermediari autorizzati a prestare i servizi di investimento (consulenza in materia di investimenti, gestione [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.abi.it\/en\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/\" \/>\n<meta property=\"og:site_name\" content=\"ABI - Associazione Bancaria Italiana\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-19T13:34:36+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.abi.it\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/\",\"url\":\"https:\/\/www.abi.it\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/\",\"name\":\"Risparmio e investimenti - ABI - Associazione Bancaria Italiana\",\"isPartOf\":{\"@id\":\"https:\/\/www.abi.it\/#website\"},\"datePublished\":\"2025-04-22T10:27:52+00:00\",\"dateModified\":\"2025-06-19T13:34:36+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.abi.it\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.abi.it\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.abi.it\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/abi-newsite.azurewebsites.net\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"I macro-trend\",\"item\":\"https:\/\/www.abi.it\/i-macro-trend\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Regolamentazione\",\"item\":\"https:\/\/www.abi.it\/i-macro-trend\/regolamentazione\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Risparmio e investimenti\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.abi.it\/#website\",\"url\":\"https:\/\/www.abi.it\/\",\"name\":\"ABI - Associazione Bancaria Italiana\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.abi.it\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Risparmio e investimenti - ABI - Associazione Bancaria Italiana","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.abi.it\/en\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/","og_locale":"en_GB","og_type":"article","og_title":"Risparmio e investimenti - ABI - Associazione Bancaria Italiana","og_description":"MiFID2 Piani individuali di risparmio (PIR) Modulo di richiesta del servizio di trasferibilit\u00e0 del dossier titoli (TDT) Risparmio e investimenti Le banche svolgono una funzione essenziale nel canalizzare i risparmi dei clienti verso investimenti finanziari e assicurativi. Le banche sono infatti intermediari autorizzati a prestare i servizi di investimento (consulenza in materia di investimenti, gestione [&hellip;]","og_url":"https:\/\/www.abi.it\/en\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/","og_site_name":"ABI - Associazione Bancaria Italiana","article_modified_time":"2025-06-19T13:34:36+00:00","twitter_card":"summary_large_image","twitter_misc":{"Estimated reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.abi.it\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/","url":"https:\/\/www.abi.it\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/","name":"Risparmio e investimenti - ABI - Associazione Bancaria Italiana","isPartOf":{"@id":"https:\/\/www.abi.it\/#website"},"datePublished":"2025-04-22T10:27:52+00:00","dateModified":"2025-06-19T13:34:36+00:00","breadcrumb":{"@id":"https:\/\/www.abi.it\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.abi.it\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.abi.it\/i-macro-trend\/regolamentazione\/risparmio-e-investimenti\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/abi-newsite.azurewebsites.net\/"},{"@type":"ListItem","position":2,"name":"I macro-trend","item":"https:\/\/www.abi.it\/i-macro-trend\/"},{"@type":"ListItem","position":3,"name":"Regolamentazione","item":"https:\/\/www.abi.it\/i-macro-trend\/regolamentazione\/"},{"@type":"ListItem","position":4,"name":"Risparmio e investimenti"}]},{"@type":"WebSite","@id":"https:\/\/www.abi.it\/#website","url":"https:\/\/www.abi.it\/","name":"ABI - Italian Banking Association","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.abi.it\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"}]}},"_links":{"self":[{"href":"https:\/\/www.abi.it\/en\/wp-json\/wp\/v2\/pages\/35611","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.abi.it\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.abi.it\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.abi.it\/en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.abi.it\/en\/wp-json\/wp\/v2\/comments?post=35611"}],"version-history":[{"count":54,"href":"https:\/\/www.abi.it\/en\/wp-json\/wp\/v2\/pages\/35611\/revisions"}],"predecessor-version":[{"id":47361,"href":"https:\/\/www.abi.it\/en\/wp-json\/wp\/v2\/pages\/35611\/revisions\/47361"}],"up":[{"embeddable":true,"href":"https:\/\/www.abi.it\/en\/wp-json\/wp\/v2\/pages\/35589"}],"wp:attachment":[{"href":"https:\/\/www.abi.it\/en\/wp-json\/wp\/v2\/media?parent=35611"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}