{"id":1022,"date":"2021-12-28T10:42:28","date_gmt":"2021-12-28T07:42:28","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=1022"},"modified":"2021-12-30T15:23:55","modified_gmt":"2021-12-30T12:23:55","slug":"cum-estimeaza-expertii-ca-va-fi-cand-vei-iesi-tu-la-pensie","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/cum-estimeaza-expertii-ca-va-fi-cand-vei-iesi-tu-la-pensie\/","title":{"rendered":"Cum estimeaz\u0103 exper\u021bii c\u0103 va fi c\u00e2nd vei ie\u0219i tu la pensie"},"content":{"rendered":"

\"\"Popula\u021bia Europei se confrunt\u0103 cu un proces accentuat de \u00eemb\u0103tr\u00e2nire, iar Rom\u00e2nia nu face excep\u021bie. Natalitatea sc\u0103zut\u0103 este unul dintre factorii care contribuie la aceast\u0103 situa\u021bie, precum \u0219i cre\u0219terea calit\u0103\u021bii vie\u021bii, ceea ce conduce la cre\u0219terea speran\u021bei de via\u021b\u0103.<\/p>\n

Se estimeaz\u0103 c\u0103 popula\u021bia peste 65 de ani va reprezenta jum\u0103tate din popula\u021bia cu v\u00e2rste \u00eentre 15 \u0219i 65 de ani p\u00e2n\u0103 \u00een 2060, conform unui studiu al Comisiei Europene.<\/p>\n

Acest lucru se r\u0103sfr\u00e2nge \u00een mod negativ asupra mai multor aspecte privind economia \u021b\u0103rilor europene, precum serviciile de s\u0103n\u0103tate \u0219i cele sociale destinate popula\u021biei \u00een v\u00e2rst\u0103, dar \u0219i asupra pensiilor din sistemul de stat.<\/p>\n

Nu exist\u0103 un model unic de pensie \u00een \u021b\u0103rile UE, \u00eens\u0103 majoritatea \u021b\u0103rilor din centrul \u0219i estul Uniunii Europene au adoptat sistemul celor 3 piloni \u2013 pilonul I reprezent\u00e2nd pensia garantat\u0103 de stat, pilonul II reprezent\u00e2nd pensia privat\u0103 obligatorie \u0219i pilonul III reprezent\u00e2nd pensia privat\u0103 facultativ\u0103.<\/p>\n

Acest model a fost adoptat \u0219i \u00een Rom\u00e2nia, pilonul I fiind bazat pe schema de finan\u021bare PAYG \u2013 solidaritate \u00eentre genera\u021bii. Asta \u00eenseamn\u0103 c\u0103 cei din c\u00e2mpul muncii de ast\u0103zi contribuie din salariul brut cu un procent c\u0103tre fondul de pensii publice, fond din care se pl\u0103tesc pensiilor celor pensiona\u021bi tot ast\u0103zi.<\/p>\n

Iar c\u00e2nd cei din c\u00e2mpul muncii de azi vor ajunge la v\u00e2rsta pension\u0103rii, cei din c\u00e2mpul muncii de atunci le vor pl\u0103ti efectiv pensia.<\/p>\n

Riscurile sistemului public de pensii bazat pe solidaritatea \u00eentre genera\u021bii<\/h2>\n

Cel mai mare risc al sistemului public de pensii pilonul I<\/a>, a\u0219a cum este el \u00een Rom\u00e2nia, este dat de faptul c\u0103 statul trebuie s\u0103 asigure sustenabilitatea finan\u021belor publice.<\/p>\n

Mai exact, m\u0103ririle pensiilor publice trebuie corelate cu cre\u0219terile bugetului de stat astfel \u00eenc\u00e2t s\u0103 existe un echilibru \u00eentre fondurile folosite pentru plata pensiilor \u0219i fondurile folosite pentru dezvoltarea \u021b\u0103rii (cum ar fi investi\u021biile \u00een infrastructur\u0103).<\/p>\n

Un alt risc al sistemului public de pensii din Rom\u00e2nia este num\u0103rul ridicat al celor care se pensioneaz\u0103 anticipat.<\/p>\n

Comisia European\u0103 a estimat \u00een studiul Joint Report on Pensions \u2013 Country Profiles c\u0103 p\u00e2n\u0103 \u00een 2060 popula\u021bia de peste 65 de ani din Rom\u00e2nia va cre\u0219te cu 40% fa\u021b\u0103 de popula\u021bia activ\u0103. Un exemplu simplu ar fi acela c\u0103 100 de persoane active \u00een c\u00e2mpul muncii vor pl\u0103ti \u00een 2060 pensiile a 140 de pensionari.<\/p>\n

La ce s\u0103 se a\u0219tepte rom\u00e2nii care vor ie\u0219i la pensie \u00een 20-30 de ani<\/h2>\n

Chiar dac\u0103 estim\u0103rile din urma studiilor Comisiei Europene sunt descurajatoare, nu doar cei care vor ie\u0219i la pensie peste 40 de ani vor fi afecta\u021bi de trendurile de \u00eemb\u0103tr\u00e2nire a popula\u021biei din Rom\u00e2nia.<\/p>\n

Speciali\u0219ti precum Adrian Cod\u00eerla\u0219u, pre\u0219edintele CFA Rom\u00e2nia, avertizeaz\u0103 c\u0103 efectele \u00eemb\u0103tr\u00e2nirii popula\u021biei se vor resim\u021bi chiar mai repede, chiar din 2030-2035.<\/p>\n

Rom\u00e2nii care vor ie\u0219i la pensie atunci vor dep\u0103\u0219i ca num\u0103r popula\u021bia activ\u0103 \u00een c\u00e2mpul muncii, dac\u0103 trendurile actuale se men\u021bin. Astfel pensia pilonul I va fi prea mic\u0103 pentru a sus\u021bine un trai decent, aduc\u00e2nd o bun\u0103 parte din popula\u021bie la limita s\u0103r\u0103ciei.<\/p>\n

Cum \u00ee\u021bi asiguri un trai decent la pensie?<\/h2>\n

Vestea bun\u0103 este c\u0103 pilonul II de pensie nu este dependent de pilonul I, iar banii pe care \u00eei acumulezi acolo p\u00e2n\u0103 la v\u00e2rsta de pensionare r\u0103m\u00e2n ai t\u0103i. \u00cens\u0103 procentul cotiza\u021biei c\u0103tre pilonul II de pensie este unul redus.<\/p>\n

De aceea, speciali\u0219tii recomand\u0103 s\u0103 economise\u0219ti \u0219i s\u0103 investe\u0219ti c\u00e2t mai eficient \u00een perioada \u00een care e\u0219ti activ \u00een c\u00e2mpul muncii.<\/p>\n

Cea mai simpl\u0103 variant\u0103 este s\u0103 alegi o pensie privat\u0103 facultativ\u0103<\/a>, care-\u021bi ofer\u0103 flexibilitatea de a pl\u0103ti lunar sau periodic o sum\u0103 de care dispui pentru ca atunci c\u00e2nd ie\u0219i la pensie s\u0103 te bucuri de un fond consistent.<\/p>\n","protected":false},"excerpt":{"rendered":"

Comisia European\u0103 estimeaz\u0103 c\u0103 popula\u021bia pensionat\u0103 va cre\u0219te cu 40% fa\u021b\u0103 de popula\u021bia activ\u0103 p\u00e2n\u0103 \u00een 2060 \u00een Rom\u00e2nia. Cum te va afecta acest lucru atunci c\u00e2nd vei ie\u0219i tu la pensie? Afl\u0103 din articol!<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-1022","post","type-post","status-publish","format-standard","hentry","category-timp-liber"],"yoast_head":"\nCum estimeaz\u0103 exper\u021bii c\u0103 va fi c\u00e2nd vei ie\u0219i tu la pensie - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Care va fi raportul dintre categoriile active \u0219i cele pensionate atunci c\u00e2nd vei ie\u0219i tu la pensie \u0219i cum te va afecta? 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Urm\u0103resc cu aten\u021bie ecosistemul startup-urilor \u0219i acop\u0103r subiecte diverse ce \u021bin de educa\u021bie financiar\u0103, lifestyle \u0219i c\u0103l\u0103torii, antreprenoriat, e-commerce & digital marketing. \u00cemi place s\u0103 documentez temeinic fiecare subiect \u0219i s\u0103 scriu pe \u00een\u021belesul tuturor, astfel adaptez textele c\u00e2t s\u0103 le poat\u0103 \u00een\u021belege \u0219i bunica mea. :) Cred cu t\u0103rie c\u0103 informa\u021bia \u00eenseamn\u0103 putere, iar \u00eenv\u0103\u021barea este un proces care nu ar trebui s\u0103 se opreasc\u0103 niciodat\u0103. Mai multe detalii despre mine \u0219i date de contact g\u0103se\u0219ti pe profilul de Linkedin","sameAs":["https:\/\/ro.linkedin.com\/in\/nataliamanolescu"],"url":"https:\/\/www.cursvalutar.ro\/blog\/author\/natalia-manolescu\/"}]}},"_links":{"self":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/1022","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/comments?post=1022"}],"version-history":[{"count":4,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/1022\/revisions"}],"predecessor-version":[{"id":1036,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/1022\/revisions\/1036"}],"wp:attachment":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/media?parent=1022"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/categories?post=1022"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/tags?post=1022"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}