I had an interesting discussion with some people a few days ago. I'm not sure what to think though, things are confusing as it is, and they will surely continue to change in the future and maybe become even more confusing! So, on one hand, you can keep your TFR (Trattatamento di Fine Rapporto) in the company you work with and, when you leave or when you retire, they are obliged to give it to you. If you work for 40 years, you will most likely receive at least 40,000 euros (it's a fictional example, I doubt many work for that long in one spot nowadays). On the other hand, I learned that you can opt for using your TFR to contribute to your pension funds. So, instead of receiving the amount at the end of your contract, you'll receive it in installments, with your pension. What do you think? Have you thought about this or were you clueless, as I was?