{"id":98335,"date":"2022-11-28T10:01:18","date_gmt":"2022-11-28T09:01:18","guid":{"rendered":"https:\/\/atena.sk\/blog\/pensia-unica-europeana\/"},"modified":"2023-08-02T10:21:44","modified_gmt":"2023-08-02T08:21:44","slug":"pensia-unica-europeana","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/ro\/pensia-unica-europeana\/","title":{"rendered":"Pensia unic\u0103 european\u0103"},"content":{"rendered":"\n

Un loc de munc\u0103 bine pl\u0103tit<\/a> este esen\u021bial \u0219i acesta este unul dintre motivele pentru care mul\u021bi dintre noi au lucrat \u00een mai multe \u021b\u0103ri ale UE. Managementul financiar<\/strong> este, de asemenea, foarte important. Cu to\u021bii \u0219tim acest lucru \u0219i \u00eencerc\u0103m s\u0103 ne constituim o rezerv\u0103 financiar\u0103, s\u0103 ne monitoriz\u0103m cheltuielile \u0219i s\u0103 evit\u0103m achizi\u021biile inutile. Dar c\u00e2t de des ne g\u00e2ndim la pensie \u0219i la ce v\u00e2rst\u0103 ar trebui s\u0103 \u00eencepem? Cel mai important, cum abord\u0103m problemele legate de pensionare atunci c\u00e2nd am lucrat \u00een mai multe \u021b\u0103ri?<\/strong><\/p>\n\n\n\n

De fapt, criza demografic\u0103 din Europa nu este ceva nou – a \u00eenceput \u00een urm\u0103 cu aproximativ 50 de ani.<\/strong> Iar c\u00e2nd acest lucru este combinat cu \u00eemb\u0103tr\u00e2nirea popula\u021biei, problema devine \u0219i mai mare. Pe scurt, sistemul public de pensii \u0219i pensiile ocupa\u021bionale (pilonii 1 \u0219i 2) sunt finan\u021bate din impozitele pl\u0103tite de angaja\u021bi \u0219i angajatori. \u0218i, av\u00e2nd \u00een vedere c\u0103 tot mai pu\u021bini oameni lucreaz\u0103 \u0219i tot mai mul\u021bi se pensioneaz\u0103, sistemul nu mai func\u021bioneaz\u0103 a\u0219a cum ar trebui.<\/p>\n\n

Bine\u00een\u021beles, c\u00e2nd va veni momentul, vom dori s\u0103 profit\u0103m de 1. \u0219i Pilonul 2. Afla\u021bi<\/a> cum pute\u021bi ob\u021bine o pensie dac\u0103 a\u021bi lucrat \u00een mai multe \u021b\u0103ri din UE. Din nefericire, este posibil ca aceste fonduri s\u0103 nu fie suficiente pentru a ne acoperi nevoile din cauza crizei demografice. Iar din cauza infla\u021biei, nici s\u0103 pui bani sub pern\u0103 nu este deloc ideal. <\/p>\n\n

Este investi\u021bia pe cont propriu o alegere bun\u0103?<\/h2>\n\n

Investi\u021bia este cel mai avantajos mod de a economisi din punct de vedere financiar. Din nefericire, investi\u021biile vin cu riscuri<\/strong>. Cea mai evident\u0103 este c\u0103 pre\u021bul produsului sau al ac\u021biunii \u00een care investi\u021bi poate sc\u0103dea vertiginos. Din 1987, pia\u021ba bursier\u0103 s-a pr\u0103bu\u0219it de \u0219apte ori<\/strong>, iar intervalele dintre aceste pr\u0103bu\u0219iri sunt din ce \u00een ce mai scurte. \u00cen plus, av\u00e2nd \u00een vedere situa\u021bia economic\u0103 actual\u0103 din UE, nu pute\u021bi \u0219ti niciodat\u0103 dac\u0103 platforma pe care o utiliza\u021bi pentru tranzac\u021bionare va da faliment<\/strong>, iar activele sale (\u00eempreun\u0103 cu banii dumneavoastr\u0103) vor fi \u00eenghe\u021bate.<\/p>\n\n

Al treilea pilon sau economiile pentru pensia suplimentar\u0103<\/h2>\n\n

Multe, dac\u0103 nu chiar majoritatea \u021b\u0103rilor UE au un sistem de economisire pentru pensii suplimentare<\/strong>. Cu c\u00e2teva excep\u021bii, aceasta este voluntar\u0103. \u0218i func\u021bioneaz\u0103 practic ca un cont de economii. Dac\u0103 v\u0103 \u00eenscrie\u021bi \u00eentr-un astfel de program, o mic\u0103 parte din salariul dumneavoastr\u0103 va fi alocat\u0103 lunar pentru economii. \u00cen acest fel, f\u0103r\u0103 a sacrifica prea mult, v\u0103 pute\u021bi asigura c\u0103 ve\u021bi avea suficien\u021bi bani atunci c\u00e2nd v\u0103 ve\u021bi pensiona. Spre deosebire de investi\u021bii, este mult mai sigur<\/strong> \u0219i, prin urmare, este cea mai logic\u0103 alegere.<\/p>\n\n

\"\"<\/a><\/figure>\n\n

Ce se \u00eent\u00e2mpl\u0103 cu economiile mele pentru pensia suplimentar\u0103 dac\u0103 m\u0103 mut \u00een alt\u0103 \u021bar\u0103 din UE?<\/h2>\n\n

\u00cen primul r\u00e2nd, nu ar trebui s\u0103 v\u0103 face\u021bi griji cu privire la \u00eenscrierea la o pensie suplimentar\u0103, chiar dac\u0103 v\u0103 muta\u021bi \u00een alt\u0103 \u021bar\u0103. Cu toate c\u0103 normele \u0219i reglement\u0103rile sunt u\u0219or diferite. \u00cen majoritatea cazurilor, \u00eens\u0103, ave\u021bi mai multe op\u021biuni. Multe \u021b\u0103ri ofer\u0103 retragere anticipat\u0103, transfer sau alte alternative, ceea ce \u00eenseamn\u0103 c\u0103 este mai bine s\u0103 v\u0103 \u00eenscrie\u021bi c\u00e2t mai devreme posibil, ceea ce va duce la o pensie mai mare.<\/p>\n\n

Pensia personal\u0103 paneuropean\u0103 (PEPP)<\/h2>\n\n

Circula\u021bia persoanelor \u00eentre \u021b\u0103rile UE este incredibil de mare. Av\u00e2nd \u00een vedere c\u0103 retragerea anticipat\u0103 sau transferul economiilor de pensie \u00een alt\u0103 \u021bar\u0103 este complicat, a fost introdus PEPP. Ofer\u0103 tot ceea ce ofer\u0103 modelul standard 3. pilon – sau chiar mai mult, abord\u00e2nd \u00een acela\u0219i timp problema mobilit\u0103\u021bii. \u00cen cazul unui PEPP, nu este nevoie s\u0103 se mute<\/strong>, deoarece se poate investi \u00een exact acela\u0219i produs \u00een care s-a investit dup\u0103 mutare.<\/p>\n\n

PEPP completeaz\u0103 sistemele na\u021bionale de pensii existente \u0219i ofer\u0103 numeroase avantaje, cum ar fi transparen\u021ba \u0219i protec\u021bia capitalului investit<\/strong>. Transparen\u021ba se realizeaz\u0103 prin furnizarea de informa\u021bii relevante, precum \u0219i de costuri, taxe \u0219i declara\u021bii periodice.<\/p>\n\n

Acesta va fi oferit de institu\u021bii financiare, cum ar fi societ\u0103\u021bile de investi\u021bii, institu\u021biile de credit, institu\u021biile de pensii ocupa\u021bionale \u0219i altele. Cu toate acestea, aceste institu\u021bii vor avea nevoie de o licen\u021b\u0103<\/strong> pentru a asigura securitatea finan\u021belor lor.<\/p>\n\n

Cum reac\u021bioneaz\u0103 Atena la acest lucru? <\/h2>\n\n

Dac\u0103 v\u0103 g\u00e2ndi\u021bi bine, cea mai simpl\u0103 modalitate de a rezolva problema pension\u0103rii \u0219i de a avea suficien\u021bi bani pentru a investi \u00een economii suplimentare este ca angajatorii s\u0103 \u00ee\u0219i pl\u0103teasc\u0103 mai mult angaja\u021bii. Este exact ceea ce facem noi. \u00cen fiecare trimestru, revizuim salariile profesioni\u0219tilor din domeniul s\u0103n\u0103t\u0103\u021bii care lucreaz\u0103 pentru noi, ceea ce duce la mai multe cre\u0219teri pe an! Iar serviciile noastre nu se opresc aici. Ori de c\u00e2te ori clien\u021bii no\u0219tri au nevoie de informa\u021bii, ajutor sau consiliere \u00een materie de pensii sau de pensionare – fie c\u0103 este vorba de o pensie standard sau suplimentar\u0103, suntem \u00eentotdeauna gata s\u0103 v\u0103 ajut\u0103m. <\/p>\n\n

Pe scurt, nu exist\u0103 un moment mai bun dec\u00e2t acum pentru a \u00eencepe s\u0103 pune\u021bi bani deoparte pentru economiile pentru pensia suplimentar\u0103. Mutarea \u00eentr-o alt\u0103 \u021bar\u0103 din UE nu mai afecteaz\u0103 pensia dumneavoastr\u0103 \u0219i sunte\u021bi liber s\u0103 c\u0103l\u0103tori\u021bi, indiferent dac\u0103 dori\u021bi s\u0103 lua\u021bi un nou \u00eenceput sau dac\u0103 sunte\u021bi \u00een c\u0103utarea unui loc de munc\u0103 mai bun<\/a>.<\/p>\n\n

Investi\u021bi deja \u00eentr-o pensie suplimentar\u0103? Dac\u0103 nu, ave\u021bi de g\u00e2nd s\u0103 \u00eencepe\u021bi? \u00cemp\u0103rt\u0103\u0219i\u021bi cu noi planificarea pension\u0103rii \u00een sec\u021biunea de comentarii de mai jos.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pensionarea a fost un subiect dificil pentru UE \u00een ultimii 50 de ani. Principalele motive sunt criza demografic\u0103, \u00eemb\u0103tr\u00e2nirea popula\u021biei \u0219i infla\u021bia. Cu toate acestea, o pensie suplimentar\u0103 poate rezolva aceast\u0103 problem\u0103. Niciodat\u0103 nu a fost mai u\u0219or cu noua pensie personal\u0103 paneuropean\u0103, indiferent \u00een c\u00e2te \u021b\u0103ri din UE a\u021bi tr\u0103it sau ve\u021bi tr\u0103i. <\/p>\n","protected":false},"author":20,"featured_media":98243,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[81,118,124],"tags":[],"acf":{"facebookpost":"Crede\u021bi c\u0103 pensia de baz\u0103 va fi suficient\u0103 pentru a v\u0103 acoperi nevoile? Av\u00e2nd \u00een vedere infla\u021bia actual\u0103 \u0219i \u00eemb\u0103tr\u00e2nirea popula\u021biei ?? probabil c\u0103 nu. Indiferent \u00een c\u00e2te \u021b\u0103ri din UE ?? a\u021bi lucrat \u0219i unde inten\u021biona\u021bi s\u0103 v\u0103 pensiona\u021bi, exist\u0103 o solu\u021bie. O pensie suplimentar\u0103 v\u0103 poate acoperi nevoile financiare. \n#atenablog","popis_socialneho_obrazku":""},"yoast_head":"\nPensia unic\u0103 european\u0103 - Atena blog<\/title>\n<meta name=\"description\" content=\"Av\u00e2nd \u00een vedere criza demografic\u0103 \u0219i \u00eemb\u0103tr\u00e2nirea popula\u021biei, este posibil ca oamenii s\u0103 constate c\u0103 pensiile lor nu sunt suficiente. 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