{"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":"\t\t<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\">Piani individuali di risparmio (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\">Modulo di richiesta del servizio di trasferibilit\u00e0 del dossier titoli (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\">Risparmio e investimenti<\/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>Le banche svolgono una funzione essenziale nel canalizzare i risparmi dei clienti verso investimenti finanziari e assicurativi.<\/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>Le banche sono infatti intermediari autorizzati a prestare i servizi di investimento (consulenza in materia di investimenti, gestione di portafogli, ricezione e trasmissione di ordini, negoziazione per conto proprio, esecuzione di ordini per conto dei clienti, assunzione a fermo e\/o collocamento sulla base di un impegno irrevocabile nei confronti dell\u2019emittente).<\/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>Tutti i servizi di investimento hanno ad oggetto strumenti finanziari, termine con il quale ci si riferisce, principalmente, ad azioni, obbligazioni, titoli di Stato, quote di fondi comuni, contratti e strumenti derivati.<\/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>Le banche sono autorizzate a distribuire in regime di consulenza anche i prodotti di investimento assicurativi: polizze a capitale garantito (ramo vita I), polizze unit linked (ramo vita III), polizze vita di capitalizzazione (ramo vita V) e polizze multi-ramo, che abbinano aspetti dei rami vita I e vita 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>La prestazione dei servizi di investimento e la distribuzione dei prodotti di investimento assicurativi \u00e8 disciplinata dalla normativa:<\/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\">europea: principalmente la Direttiva relativa ai mercati degli strumenti finanziari 2014\/65\/UE (meglio conosciuta come MiFID II) e la Direttiva sulla distribuzione assicurativa 2016\/97\/UE (meglio conosciuta come 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\">nazionale di recepimento della normativa europea, costituita dal Testo Unico della Finanza (TUF) di cui al decreto legislativo 24 febbraio 1998, n. 58, e dal Codice delle Assicurazioni private (CAP) di cui al decreto legislativo 7 settembre 2005, n. 209.<\/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>Le banche svolgono inoltre servizi di supporto alle imprese per accedere ai mercati dei capitali. Le imprese, infatti, possono raccogliere risorse tramite la quotazione del proprio capitale azionario e l\u2019emissione di obbligazioni.<\/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>L\u2019ABI, insieme alle Associazioni dei consumatori, ha elaborato alcune guide informative per spiegare in modo chiaro e semplice i nuovi obblighi che la MiFID2 ha posto in capo alle banche e agli altri intermediari che prestano servizi di investimento al fine di rafforzare le tutele dei clienti. Esse riguardano l\u2019informativa costi e oneri sugli investimenti e l\u2019integrazione del questionario di profilatura dei clienti con la raccolta delle loro preferenze di sostenibilit\u00e0.<\/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              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400;\"\n                    class=\"text-muted ml-4\"\n                > <p>Guida<\/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=6ad1299b7a7ec1792092571\">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          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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=6ad1299b7a7ec1792092571\">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              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         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=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\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=6ad1299b7e85e1792092571\">MiFID2: informazioni pi\u00f9 chiare e complete sui costi e oneri degli investimenti<\/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>Guida - 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=6ad1299b7e85e1792092571\">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> 12361 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=6ad1299b7e85e1792092571\">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\">Piani individuali di risparmio (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>I PIR sono forme di investimento di medio-lungo periodo appositamente disciplinate dalla normativa italiana per indirizzare il risparmio verso le imprese e che, al ricorrere di specifici requisiti, consentono ai sottoscrittori di ottenere importanti benefici fiscali.<\/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>I PIR sono forme di investimento di medio-lungo periodo appositamente disciplinate dalla normativa italiana per indirizzare il risparmio verso le imprese e che, al ricorrere di specifici requisiti, consentono ai sottoscrittori di ottenere importanti benefici fiscali.<\/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=6ad1299b843b61792092571\"\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=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\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=6ad1299b843b61792092571\">Piani individuali di risparmio (PIR). Le novit\u00e0 del \u201cD.L. Anticipi\u201d<\/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=6ad1299b843b61792092571\">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> 12674 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=6ad1299b843b61792092571\">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\">Modulo di richiesta del servizio di trasferibilit\u00e0 del dossier titoli (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>Il servizio di trasferibilit\u00e0 del dossier titoli (TDT) consente ad un cliente di rivolgersi ad una banca (\u201cnuova banca\u201d) affinch\u00e9 la stessa si faccia carico degli adempimenti necessari a trasferire in modo automatico, sul dossier aperto dal cliente presso la banca medesima (\u201cnuovo dossier\u201d), gli strumenti finanziari detenuti nel dossier in essere presso altra banca (\u201cbanca originaria\u201d e \u201cdossier originario\u201d), nonch\u00e9 di gestire la richiesta di cambiare la banca collocatrice relativamente alle quote o azioni di OICR non dematerializzate.<\/p><p>La richiesta del servizio TDT deve essere presentata dal cliente compilando l\u2019apposito modulo, definito tramite un regolamento interbancario.<\/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=6ad1299b8bf581792092571\"\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=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\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=6ad1299b8bf581792092571\">Modulo di richiesta del servizio di trasferibilit\u00e0 del dossier titoli (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\" 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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>\n","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 v28.5 - 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:\/\/abi-newsite.azurewebsites.net\/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. 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