{"id":13868,"date":"2018-12-19T17:57:16","date_gmt":"2018-12-19T14:57:16","guid":{"rendered":"http:\/\/catalinx.ro\/wordpress\/?p=13868"},"modified":"2018-12-19T22:33:33","modified_gmt":"2018-12-19T19:33:33","slug":"pilonu-si-robor-ul","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=13868","title":{"rendered":"Pilonu’ \u0219i ROBOR-ul"},"content":{"rendered":"
<\/div>\n\n

Care e lg\u0103tura dintre ele?  A facut-o nenea Teodorovici \u00een documentul asta. <\/a><\/strong><\/p>\n\n\n\n

\u0218i \u00een declara\u021bia de ieri care a rupt un pic bursa \u00een gur\u0103. Nu r\u0103u, 10-20%<\/a> a\u0219a. <\/p>\n\n\n\n

Nenea zice c\u0103 de la anu’ ne putem retrage din pilonu’ vie\u021bii, motiv pentru care am facut \u0219i eu pa\u0219i mai activi s\u0103 v\u0103d ce am acolo. Adic\u0103, nu c\u0103 am a\u0219tept\u0103ri, dar dac\u0103 se retrag restu’ parc\u0103 n-a\u0219 r\u0103m\u00e2ne ultimul, de g\u00e2scan.<\/p>\n\n\n\n

Eu am fondu’  la Allianz; \u201dviitorul t\u0103u\u201d se nume\u0219te fondul \u0103stora. Viitorul meu la ei cred c\u0103 e sumbru.<\/p>\n\n\n\n

B\u0103i, sincer, \u00een cont e mai bine dec\u00e2t m\u0103 a\u0219teptam. Nu r\u00e2de\u021bi c\u0103-s c\u00e2\u021biva bani ( aproape 9000 EUR) ,  dac\u0103 e s\u0103 r\u00e2dem de c\u00e2t de pu\u021bini bani po\u021bi avea \u00eentr-un cont de pensii vi-l ar\u0103t pe-al so\u021biei c\u0103 ea e contractoare din … forev\u0103r. <\/p>\n\n\n\n

Eh, eu \u00eentre 2011 \u0219i 2016 am cotizat mai serios a\u0219a la pilonul \u0103sta.<\/p>\n\n\n\n

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

\u0218i a fost \u0219i un pic de cre\u0219tere. Un.pic. Adic\u0103 am cotizat 34k lei si am aproape 41. 20% surplus, overall. \u0218tiu, pare pu\u021bin dar, ia uita\u021bi ce cotiza\u021bii mici am in 2017. \u0218i-n 2018 – de\u0219i am pl\u0103rit deja cotiza\u021bia pe tot anul, DIN IULIE<\/strong>, bine\u00een\u021beles c\u0103  statul rom\u00e2n\/ANAF-ul nu a redirec\u021bionat NIMIC din ce-am pl\u0103tit eu c\u0103tre fondul MEU de pensii. <\/strong><\/p>\n\n\n\n

\u0102sta nu poate fi dec\u00e2t un stimulent s\u0103 cotizez \u00een continuare, nu? PSD lucreaz\u0103 pentru mine.   Nicio problem\u0103, o s\u0103-i ar\u0103t asta lu’ tata \u0219i sper ca cotiz\u021biile mele la pensie merg m\u0103car \u00een pensia lui, dac\u0103 \u00een a mea nu. <\/p>\n\n\n\n

Serios acuma, dac\u0103 PSD zice ca se d\u0103 liber la retragerea din pilon, care-ar fi un abuz \u0219i o mi\u0219care dezastruoas\u0103, scot to\u021bi banii \u0103\u0219tia mul\u021bi, mai pun un 30j de mii la ei \u0219i iau o garsonier\u0103 gen fondul de pensii actualizat 2019.<\/p>\n\n\n\n

\u0218tii ce e amuzant, c\u0103 Rom\u00e2nia, economic parc\u0103-parc\u0103 nu ar\u0103ta ca \u0219i c\u00e2nd ar veni criza \u00een 2019. Adic\u0103 nu vedeam un mare draft venind din economie. Dar nu-i nimic dac\u0103 prive\u0219ti treaba asta politic, criza economic\u0103 e deja aici \u0219i nu prea mai are loc sub pre\u0219. <\/p>\n\n\n\n

\u0218tii ce e mi\u0219to cu taxa pe ROBOR? C\u0103 BNR stabile\u0219te taxa asta – pe baza unor raport\u0103ri a primelor 10 b\u0103nci.  \u00cen principiu, e determinat de disponibilitatea de lichidit\u0103\u021bi din pia\u021b\u0103, \u0219i de c\u00e2t de mult crediteaz\u0103 b\u0103ncile. Sau cel pu\u021bin asta vrea BNR s\u0103 credem. \u00cencetinirea rulajului economic, faptul c\u0103 lumea i\u0219i migreaz\u0103 economiile din lei c\u0103tre euro nu are nimic de-a face cu ROBOR-ul desigur. <\/p>\n\n\n\n

C\u0103 dac\u0103 m\u0103 scuturi pe mine, nu am 1000 de EUR \u00een lei ( amuzant mod de a o spune)  adunat pe toate conturile, inclusiv \u0103la de firma, inclusiv cash. <\/p>\n\n\n\n

Cred c\u0103 am mai mul\u021bi bani \u00een lei pe fondul de pensii, dac\u0103 se poate socoti direct. Treaba-i c\u0103 daca investi\u021biile \u0103stea sunt \u00een lei, probabil c\u0103 tocmai mi s-a futut \u0219i din \u0103la azi un pic, ceva la 10% a\u0219a, nu mult.<\/p>\n\n\n\n

=====<\/p>\n\n\n\n

Later Edit: Se pare c\u0103 e \u0219i verificabil\u0103<\/a><\/strong> ultima specula\u021bie.<\/p>\n\n\n\n

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

Ignora\u021bi neglijen\u021ba cu care e scris articolul, nu cred c\u0103 \u0103ia au salarii acolo.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

Care e lg\u0103tura dintre ele?  A facut-o nenea Teodorovici \u00een documentul asta.  \u0218i \u00een declara\u021bia de ieri care a rupt un pic bursa \u00een gur\u0103.…<\/p>\n","protected":false},"author":2,"featured_media":9446,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[6,170],"tags":[2996,2995,1950,2997],"class_list":["post-13868","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-de-criza","category-politice","tag-bursa-din-bucuresti","tag-fondul-de-pensii","tag-pilonul-2","tag-teodorovici"],"views":2115,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2017\/09\/Cash-getty-John-Kuczala-171682699-56a1c2443df78cf7726db03c.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-3BG","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/13868","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=13868"}],"version-history":[{"count":3,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/13868\/revisions"}],"predecessor-version":[{"id":13874,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/13868\/revisions\/13874"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/9446"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=13868"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=13868"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=13868"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}