![](\"https:\/\/newss.ro\/wp-content\/uploads\/2026\/09\/pensii-model-american-696x391.webp\" "\\"pensii")
<\/a><\/div>\nRom\u00e2nii vor avea la dispozi\u021bie o nou\u0103 modalitate de a-\u0219i asigura viitorul financiar: conturile speciale de investi\u021bii pentru pensie, inspirate din sistemul american.<\/p>\n
Principala atrac\u021bie a acestui sistem o reprezint\u0103 taxele mult mai mici comparativ cu investi\u021biile obi\u0219nuite la burs\u0103.<\/p>\n
Vor exista dou\u0103 tipuri de conturi, diferen\u021biate prin momentul \u00een care beneficiezi de avantajul fiscal:<\/p>\n
-contul cu scutire la retragere: Depui bani deja impozita\u021bi, dar nu mai pl\u0103te\u0219ti niciun impozit pe c\u00e2\u0219tig \u00een momentul \u00een care \u00eei retragi.<\/p>\n
-contul cu deducere la contribu\u021bie: Beneficiezi de deduceri fiscale chiar \u00een momentul depunerii. \u00cen plus, \u00een acest cont poate contribui \u0219i angajatorul t\u0103u.<\/p>\n
Tu alegi sumele \u0219i ritmul \u00een care pui bani deoparte. Fondurile pot fi investite \u00een ac\u021biuni, obliga\u021biuni sau fonduri de investi\u021bii.<\/p>\n
Fondurile pot fi accesate la pensionare sau dup\u0103 \u00eemplinirea v\u00e2rstei de 65 de ani. Nu e\u0219ti obligat s\u0103 prime\u0219ti banii sub form\u0103 de e\u0219alonare lunar\u0103 \u2014 po\u021bi retrage doar o parte sau \u00eentreaga sum\u0103 acumulat \u00eentr-o singur\u0103 tran\u0219\u0103.<\/p>\n
Fiind vorba despre investi\u021bii pe burs\u0103, profitul nu este garantat. Valoarea banilor poate cre\u0219te considerabil pe termen lung, dar poate s\u0103 \u0219i scad\u0103 \u00een func\u021bie de evolu\u021bia pie\u021belor financiare.<\/p>\n<\/div>\n
[analyse_source url=”https:\/\/newss.ro\/2026\/09\/18\/pensie-pe-model-american-in-romania\/”]<\/p>\n","protected":false},"excerpt":{"rendered":"
[analyse_image type=”featured” src=”https:\/\/newss.ro\/wp-content\/uploads\/2026\/09\/pensii-model-american.webp”] Rom\u00e2nii vor avea la dispozi\u021bie o nou\u0103 modalitate de a-\u0219i asigura viitorul financiar: conturile speciale de investi\u021bii pentru pensie, inspirate din sistemul american. Principala atrac\u021bie a acestui sistem o reprezint\u0103 taxele mult mai mici comparativ cu investi\u021biile obi\u0219nuite la burs\u0103. Vor exista dou\u0103 tipuri de conturi, diferen\u021biate prin momentul \u00een care beneficiezi […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[226,73],"class_list":["post-2153198","post","type-post","status-publish","format-standard","hentry","category-politics","tag-crawlmanager","tag-newss-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2153198","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=2153198"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2153198\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2153198"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2153198"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2153198"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
![](\"https:\/\/newss.ro\/wp-content\/uploads\/2026\/09\/pensii-model-american.webp\" "\\"pensii")
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