{"id":705,"date":"2021-01-03T18:37:28","date_gmt":"2021-01-03T15:37:28","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=705"},"modified":"2021-01-03T18:37:29","modified_gmt":"2021-01-03T15:37:29","slug":"de-ce-sa-alegi-o-pensie-privata-facultativa","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/de-ce-sa-alegi-o-pensie-privata-facultativa\/","title":{"rendered":"De ce s\u0103 alegi o pensie privat\u0103 facultativ\u0103?"},"content":{"rendered":"<p>Toate eforturile \u0219i obiectivele m\u0103re\u021be pe care le facem acum trebuie s\u0103 aib\u0103 efecte \u0219i peste mul\u021bi ani, de aceea este bine s\u0103 iei \u00een calcul ideea unei pensii private facultativ\u0103. Nimeni nu \u0219tie cum \u00eei va fi b\u0103tr\u00e2ne\u021bea, iar <a href=\"https:\/\/www.cursvalutar.ro\/blog\/cum-arata-societatea-la-10-luni-de-la-declansarea-pandemiei-covid-19\/\" target=\"_blank\" rel=\"noopener noreferrer\">pandemia Covid-19<\/a> a ar\u0103tat \u0219i noilor genera\u021bii ce \u00eenseamn\u0103 incertitudinea, schimbarea \u0219i grijile de viitor.<\/p>\n<p>Toate schimb\u0103rile economice, dar mai ales crizele financiare genereaz\u0103 un deficit \u00een sistemul public. Iar pandemia Covid-19 nu face excep\u021bie de la reconfigurarea <a href=\"https:\/\/www.cursvalutar.ro\/blog\/ce-inseamna-somajul-tehnic-si-cum-poti-beneficia-de-el\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0219omajului tehnic<\/a>, al veniturilor, a taxelor \u0219i implicit a viitoarelor pensii.<\/p>\n<h2>De ce s\u0103 alegi o pensie privat\u0103 facultativ\u0103?<\/h2>\n<p>Pensia privat\u0103 este planul de rezerv\u0103 pe care \u021bi-l po\u021bi face, astfel \u00eenc\u00e2t schimb\u0103rile legislative \u0219i sociale care au loc p\u00e2n\u0103 la momentul \u00een care <a href=\"https:\/\/www.cursvalutar.ro\/blog\/cand-poti-sa-iesi-la-pensie-in-functie-de-varsta\/\" target=\"_blank\" rel=\"noopener noreferrer\">ie\u0219i la pensie<\/a> s\u0103 te afecteze c\u00e2t mai pu\u021bin.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-medium wp-image-711\" src=\"https:\/\/www.cursvalutar.ro\/blog\/wp-content\/uploads\/2021\/01\/monede-si-bancnote-lei-300x225.jpg\" alt=\"\" width=\"300\" height=\"225\" srcset=\"https:\/\/www.cursvalutar.ro\/blog\/wp-content\/uploads\/2021\/01\/monede-si-bancnote-lei-300x225.jpg 300w, https:\/\/www.cursvalutar.ro\/blog\/wp-content\/uploads\/2021\/01\/monede-si-bancnote-lei-768x576.jpg 768w, https:\/\/www.cursvalutar.ro\/blog\/wp-content\/uploads\/2021\/01\/monede-si-bancnote-lei-1024x768.jpg 1024w, https:\/\/www.cursvalutar.ro\/blog\/wp-content\/uploads\/2021\/01\/monede-si-bancnote-lei.jpg 1200w\" sizes=\"auto, (max-width: 300px) 85vw, 300px\" \/>Veniturile actuale generate de prezen\u021ba ta \u00een c\u00e2mpul muncii le po\u021bi controla relativ u\u0219or: dac\u0103 ai nevoie de venituri extra \u00ee\u021bi mai po\u021bi lua un job, dac\u0103 ai o situa\u021bie urgent\u0103 po\u021bi apela la o banc\u0103, iar dac\u0103 ai venituri mari \u0219i po\u021bi economisi, apelezi la <a href=\"https:\/\/www.cursvalutar.ro\/blog\/depozite-bancare-solutia-moderna-pentru-a-economisi\/\" target=\"_blank\" rel=\"noopener noreferrer\">depozite bancare<\/a>. Asta pentru c\u0103 e\u0219ti t\u00e2n\u0103r, \u00een putere \u0219i cu acces la resurse \u0219i instrumente financiare pentru care e\u0219ti eligibil. Dar pensionarii sunt limita\u021bi c\u00e2nd vine vorba despre oportunit\u0103\u021bile men\u021bionate anterior: v\u00e2rsta nu le permite activit\u0103\u021bi pentru alte venituri, iar pensia de stat ofer\u0103 strictul necesar, dup\u0103 cum bine \u0219tii.<\/p>\n<p>A\u0219adar, pensia privat\u0103 este investi\u021bia ta \u00een rezerva financiar\u0103 de care po\u021bi dispune mai t\u00e2rziu, complementar\u0103 pensiei de stat la care contribui obligatoriu din venitul actual.<\/p>\n<p>Pensia privat\u0103 este o component\u0103 a schemei de pensie care cuprinde <a href=\"https:\/\/www.cursvalutar.ro\/blog\/cum-poti-investi-in-viitorul-tau-prin-pilonul-i-ii-si-iii-de-pensie\/\" target=\"_blank\" rel=\"noopener noreferrer\">3 piloni<\/a>: pensia de stat (pilon I), pensia privat\u0103 obligatorie (pilon II) \u0219i pensia privat\u0103 facultativ\u0103 (despre care discut\u0103m acum este pilon III). Ea reprezint\u0103 o op\u021biune disponibil\u0103 oricui integrat \u0219i activ pe pia\u021ba muncii, prin intermediul c\u0103reia se poate direc\u021biona lunar o parte din venit c\u0103tre o companie privat\u0103. Aceasta din urm\u0103 va administra aceast\u0103 cotiza\u021bie lunar\u0103 numit\u0103 fond de pensii utiliz\u00e2nd un sistem de conturi individuale.<\/p>\n<h2>Caracteristici pensie privat\u0103 facultativ\u0103<\/h2>\n<ul>\n<li>Suma maxim\u0103 lunar\u0103 pe care o po\u021bi aloca pensiei private este de 15% din venitul actual, iar suma minim\u0103 de 40-50 de lei.<\/li>\n<li>Po\u021bi decide compania privat\u0103 care s\u0103 \u00ee\u021bi administreze fondul.<\/li>\n<li>V\u00e2rsta maxim\u0103 la care po\u021bi opta pentru pensia privat\u0103 este de 52 ani \u0219i 6 luni.<\/li>\n<li>Po\u021bi beneficia de pensia privat\u0103 doar la v\u00e2rsta de 60 de ani \u00eemplini\u021bi.<\/li>\n<li>Sunt obligatorii 90 de contribu\u021bii lunare, iar suma str\u00e2ns\u0103 trebuie s\u0103 fie egal\u0103 cu valoarea unei pensii minime.<\/li>\n<li>Dac\u0103 p\u00e2n\u0103 la 60 de ani suma str\u00e2ns\u0103 nu este egal\u0103 cu valoarea unei pensii minime, po\u021bi ridica \u00eentreaga suma str\u00e2ns\u0103 printr-o plat\u0103 unic\u0103.<\/li>\n<li>Po\u021bi avea simultan mai multe fonduri de pensii private facultative, de care po\u021bi beneficia la v\u00e2rsta de 60 de ani.<\/li>\n<li>Pensia privat\u0103 facultativ\u0103 se mo\u0219tene\u0219te \u00een caz de deces.<\/li>\n<li>Pensia privat\u0103 facultativ\u0103 permite acces imediat la suma acumulat\u0103 \u00een cazul invalidit\u0103\u021bii.<\/li>\n<\/ul>\n<p>\u00cen pia\u021b\u0103 reg\u0103se\u0219ti mai multe institu\u021bii bancare \u0219i nebancare care \u00ee\u021bi pot securiza veniturile extra de la b\u0103tr\u00e2ne\u021be, a\u0219adar \u00ee\u021bi recomand\u0103m <a href=\"https:\/\/www.cursvalutar.ro\/blog\/cum-alegi-banca-potrivita-pentru-tine\/\" target=\"_blank\" rel=\"noopener noreferrer\">s\u0103 alegi informat<\/a> \u00een leg\u0103tur\u0103 cu avantajele pe care le ofer\u0103.<\/p>\n<p>Tehnologia \u0219i institu\u021biile bancare ne-au familiarizat cu diverse produse \u0219i servicii ajut\u0103toare \u0219i ne-au educat un comportament economic. Dac\u0103 \u0219tii ce <a href=\"https:\/\/www.cursvalutar.ro\/blog\/ce-tip-de-cheltuitor-esti\/\" target=\"_blank\" rel=\"noopener noreferrer\">tip de cheltuitor<\/a> e\u0219ti sau pur \u0219i simplu vrei s\u0103 \u00ee\u021bi limitezi grijile economice de la b\u0103tr\u00e2ne\u021be, alege pensia privat\u0103 facultativ\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Securizeaz\u0103-\u021bi anii de b\u0103tr\u00e2ne\u021be cu o pensie privat\u0103 facultativ\u0103. Afl\u0103 ce este pensia privat\u0103 facultativ\u0103 \u0219i c\u00e2nd po\u021bi beneficia de ea.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-705","post","type-post","status-publish","format-standard","hentry","category-educatie-financiara"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>De ce s\u0103 alegi o pensie privat\u0103 facultativ\u0103? - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Intr\u0103 pe cursvalutar.ro \u0219i afl\u0103 cum po\u021bi beneficia de mai mul\u021bi bani la pensie. 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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 &amp; 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\/705","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=705"}],"version-history":[{"count":5,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/705\/revisions"}],"predecessor-version":[{"id":713,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/705\/revisions\/713"}],"wp:attachment":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/media?parent=705"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/categories?post=705"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/tags?post=705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}