{"id":1758077,"date":"2026-02-06T11:49:43","date_gmt":"2026-02-06T08:49:43","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=1758077"},"modified":"2026-02-06T11:49:43","modified_gmt":"2026-02-06T08:49:43","slug":"ue-ia-in-calcul-o-noua-pensie-obligatorie-toti-angajatii-ar-putea-fi-inscrisi-automat-intr-un-sistem-privat-suplimentar","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=1758077","title":{"rendered":"UE ia \u00een calcul o nou\u0103 pensie obligatorie. To\u021bi angaja\u021bii ar putea fi \u00eenscri\u0219i automat \u00eentr-un sistem privat suplimentar"},"content":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;&#8221;]<\/p>\n<div class=\"td-post-content tagdiv-type\">\n<div class=\"td-post-featured-image\"><a href=\"https:\/\/locale.realitatea.net\/2023\/04\/eb3452282d49aab1f353e56dae2a3c55.jpg\" data-caption><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"688\" class=\"entry-thumb td-modal-image\" src=\"https:\/\/locale.realitatea.net\/2023\/04\/eb3452282d49aab1f353e56dae2a3c55.jpg\" alt title=\"UE ia \u00een calcul o nou\u0103 pensie obligatorie. To\u021bi angaja\u021bii ar putea fi \u00eenscri\u0219i automat \u00eentr-un sistem privat suplimentar\"><\/a><\/div>\n<div>\n<div>\n<div>\n<h2>Uniunea European\u0103 discut\u0103 o schimbare major\u0103 \u00een arhitectura sistemelor de pensii: introducerea unei a doua pensii obligatorii, bazat\u0103 pe economisire privat\u0103, \u00een care angaja\u021bii ar fi \u00eenscri\u0219i automat. Propunerea vine pe fondul \u00eengrijor\u0103rilor c\u0103 pensiile publice nu vor mai putea asigura un nivel de trai decent \u00een viitor, \u00een condi\u021biile \u00eemb\u0103tr\u00e2nirii popula\u021biei \u0219i ale sc\u0103derii num\u0103rului de contribuabili.<\/h2>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<aside>\n<div>\n<div role=\"status\">\n<h3>O pensie suplimentar\u0103, automat\u0103, dar cu op\u021biunea de retragere<\/h3>\n<p>Modelul propus nu ar elimina libertatea individual\u0103. Cet\u0103\u021benii ar fi \u00eenscri\u0219i automat \u00een sistem, \u00eens\u0103 ar putea ie\u0219i din el dac\u0103 aleg explicit acest lucru. Scopul este cre\u0219terea particip\u0103rii, av\u00e2nd \u00een vedere c\u0103 mul\u021bi europeni am\u00e2n\u0103 sau evit\u0103 economisirea pentru v\u00e2rsta pension\u0103rii, anun\u021b\u0103 Comisia European\u0103 pe\u00a0<a href=\"https:\/\/finance.ec.europa.eu\/publications\/commission-proposes-boost-supplementary-pensions-help-ensure-adequate-retirement-income_en\" target=\"_blank\" rel=\"noopener\">portalul<\/a>\u00a0oficial.\u00a0<\/p>\n<p>\u00cen prezent, doar 20% dintre europeni au pensii ocupa\u021bionale \u0219i aproximativ 18% au pensii private \u2013 cifre considerate insuficiente pentru a asigura stabilitate financiar\u0103 la b\u0103tr\u00e2ne\u021be.<\/p>\n<h3>Cum ar func\u021biona noul sistem<\/h3>\n<p>Contribu\u021biile ar fi investite \u00een instrumente financiare precum:<\/p>\n<ul>\n<li>\n<p>ac\u021biuni<\/p>\n<\/li>\n<li>\n<p>obliga\u021biuni<\/p>\n<\/li>\n<li>\n<p>fonduri de investi\u021bii<\/p>\n<\/li>\n<\/ul>\n<p>Acestea ar genera randament pe termen lung, similar modelelor deja existente \u00een alte \u021b\u0103ri.<\/p>\n<p><a title=\"Cea mai buna tara din Europa unde te poti retrage la pensie. Mare, soare, preturi bune si acces la servicii medicale de calitate \" href=\"https:\/\/www.realitatea.net\/stiri\/actual\/cea-mai-buna-tara-din-europa-unde-te-poti-retrage-la-pensie-mare-soare-preturi-bune-si-acces-la-servicii-medicale-de-calitate_697f782ec84ee401393c9de3\">Cea mai bun\u0103 \u021bar\u0103 din Europa unde te po\u021bi retrage la pensie. Mare, soare, pre\u021buri bune \u0219i acces la servicii medicale de calitate<\/a><\/p>\n<h3>\u021a\u0103ri care au testat deja sistemul<\/h3>\n<p>Propunerea nu porne\u0219te de la zero. Mecanisme similare func\u021bioneaz\u0103 deja \u00een:<\/p>\n<ul>\n<li>\n<p>Marea Britanie \u2013 unde \u00eenscrierea automat\u0103 a crescut masiv participarea<\/p>\n<\/li>\n<li>\n<p>Noua Zeeland\u0103 \u2013 cu un sistem stabil \u0219i popular<\/p>\n<\/li>\n<li>\n<p>Italia \u0219i Polonia \u2013 unde participarea a crescut treptat<\/p>\n<\/li>\n<li>\n<div>\n<div id=\"div-gpt-ad-1625071038116-0\">\u00a0<\/div>\n<div id=\"div-gpt-ad-1625070477342-0\">\u00a0<\/div>\n<\/div>\n<p>Irlanda, care va introduce \u00eenscrierea automat\u0103 \u00een 2026<\/p>\n<\/li>\n<\/ul>\n<p>Experien\u021ba acestor state arat\u0103 c\u0103 majoritatea oamenilor r\u0103m\u00e2n \u00een sistem dup\u0103 \u00eenscriere, chiar dac\u0103 au op\u021biunea de a renun\u021ba.<\/p>\n<h3>UE vrea \u0219i instrumente digitale pentru urm\u0103rirea pensiilor<\/h3>\n<p>Pe l\u00e2ng\u0103 pensia suplimentar\u0103 automat\u0103, Uniunea European\u0103 propune:<\/p>\n<ul>\n<li>\n<p>platforme digitale prin care cet\u0103\u021benii s\u0103 \u00ee\u0219i poat\u0103 verifica drepturile la pensie<\/p>\n<\/li>\n<li>\n<p>estim\u0103ri clare ale veniturilor viitoare<\/p>\n<\/li>\n<li>\n<p>\u201etablouri de bord\u201d na\u021bionale \u0219i europene pentru monitorizarea sustenabilit\u0103\u021bii sistemelor de pensii<\/p>\n<\/li>\n<\/ul>\n<p>Aceste instrumente ar ajuta at\u00e2t cet\u0103\u021benii, c\u00e2t \u0219i factorii de decizie s\u0103 \u00een\u021beleag\u0103 mai bine evolu\u021bia sistemelor de pensii.<\/p>\n<h3>De ce este necesar\u0103 o schimbare<\/h3>\n<p>Speciali\u0219tii avertizeaz\u0103 c\u0103, \u00een lipsa unor m\u0103suri suplimentare, genera\u021biile viitoare risc\u0103 s\u0103 se confrunte cu pensii publice tot mai mici. \u00cemb\u0103tr\u00e2nirea popula\u021biei \u0219i presiunea pe bugetele na\u021bionale fac ca economisirea privat\u0103 s\u0103 devin\u0103 o component\u0103 esen\u021bial\u0103 a securit\u0103\u021bii financiare la v\u00e2rsta pension\u0103rii.<\/p>\n<p>Propunerea UE se afl\u0103 \u00eenc\u0103 \u00een discu\u021bie, \u00eens\u0103 direc\u021bia este clar\u0103: europenii ar putea avea \u00een cur\u00e2nd dou\u0103 pensii obligatorii \u2013 una public\u0103 \u0219i una privat\u0103, cu \u00eenscriere automat\u0103.<\/p>\n<\/div>\n<\/div>\n<\/aside>\n<\/div>\n<\/div>\n<p>[analyse_source url=&#8221;https:\/\/realitateadeteleorman.net\/ue-ia-in-calcul-o-noua-pensie-obligatorie-toti-angajatii-ar-putea-fi-inscrisi-automat-intrun-sistem-privat-suplimentar\/&#8221;]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;&#8221;] Uniunea European\u0103 discut\u0103 o schimbare major\u0103 \u00een arhitectura sistemelor de pensii: introducerea unei a doua pensii obligatorii, bazat\u0103 pe economisire privat\u0103, \u00een care angaja\u021bii ar fi \u00eenscri\u0219i automat. Propunerea vine pe fondul \u00eengrijor\u0103rilor c\u0103 pensiile publice nu vor mai putea asigura un nivel de trai decent \u00een viitor, \u00een condi\u021biile \u00eemb\u0103tr\u00e2nirii popula\u021biei [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[226,180],"class_list":["post-1758077","post","type-post","status-publish","format-standard","hentry","category-romania","tag-crawlmanager","tag-realitateadeteleorman-net"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1758077","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1758077"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1758077\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1758077"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1758077"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1758077"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}