{"id":35136,"date":"2026-01-29T02:38:00","date_gmt":"2026-01-29T02:38:00","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=35136"},"modified":"2026-01-28T21:31:19","modified_gmt":"2026-01-28T21:31:19","slug":"contul-trump-pentru-copii","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=35136","title":{"rendered":"Contul Trump pentru copii"},"content":{"rendered":"
<\/div>\n\n

C\u00e2ndva statul rom\u00e2n a \u00eenfiin\u021bat contul junior centenar<\/a> cu care i-a luat fa\u021ba lui Trump, nici nu se g\u00e2ndea el la asta<\/a><\/span><\/strong>. <\/p>\n\n\n\n

Din p\u0103cate romulanii fiind s\u0103raci \u0219i cu infla\u021bie mare, schema investi\u021bional\u0103 merit\u0103 doar pe termen scurt. Mai exact – statul pune 600 de lei la contul \u0103la anual, c\u00e2t\u0103 vreme pui tu 1200 \u0219i sun\u0103 bine ROI 50%. Realitatea e c\u0103 dob\u00e2nda \u00een afar\u0103 de contribu\u021bia asta e 3%. La infla\u021bii de 10%, ceea ce \u00eenseamn\u0103 c\u0103 dac\u0103 pui bani de la na\u0219tere, \u021bi-i fute infla\u021bia \u00een toate g\u0103urile. O s\u0103 explic cu un exceles \u0219i o proiec\u021bie pe infla\u021bia din Rom\u00e2nia din ultimii 18 ani. M\u0103 rog nu am pus 9-10% pe 2025, am dat cu un an mai \u00een spate c\u0103 \u0219i-au aliniat \u0103\u0219tia cifrele.
<\/p>\n\n\n\n

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

Cum func\u021bioneaz\u0103 \u201dconturile Trump\u201d <\/a>\u0219i de ce statul american e d\u0103\u0219tept – \u0219i stimuleaz\u0103 educa\u021bia financiar\u0103 , iar statul rom\u00e2n e ho\u021b \u0219i vrea s\u0103 se finan\u021beze ieftin – anume, dac\u0103 vrei s\u0103 rulezi schema centenar merge \u00een de pe la v\u00e2rsta de 15 ani \u00een sus – ba\u021bi infla\u021bia destul de probabil. <\/p>\n\n\n\n

Statul pune pe numele fiec\u0103rui nou n\u0103scut 1000 de parai la na\u0219tere – \u00eentr-un \u201dindex fund\u201d ( mutual sau ETF).
Presupun c\u0103 aici intr\u0103 \u00een joc pretenii lui Trump care au fonduri din astea. Peste banii \u0103\u0219tia – familia, prietenii \u0219i angajatorii ( p\u0103rin\u021bilor copilului) au dreptul s\u0103 contribuie ( de exemplu salary sacrifice) cu p\u00e2n\u0103 la 5000 de parai pe an iar contul este netaxabil.

Dar diferen\u021ba enorm\u0103 e c\u0103 contul \u0103sta finan\u021beaz\u0103 investi\u021bii, \u00een timp ce centenarul finan\u021beaz\u0103 statul.
Unul din cele mai generice ETF-uri<\/a> are \u00een ultimii 15 ani ( nu 18) o cre\u0219tere de 650% grosso-modo. <\/p>\n\n\n\n

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

Legea \u0103stora pe 3 ani. F\u0103r\u0103 contribu\u021bii de la ter\u021bi.
<\/p>\n\n\n\n

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

Dac\u0103 continu\u0103 programul dup\u0103 mandatul lui Trump<\/p>\n\n\n\n

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

Sumele \u0103stea sunt f\u0103r\u0103 dona\u021bii. Ave\u021bi clipul \u00een al doilea link din articol. Nebunul a f\u0103cut iar mas\u0103 mare cu miliardarii \u0219i i-a pus s\u0103 dea. C\u0103 au de unde da, c\u0103 le d\u0103 contracte – Michael Dell doneaz\u0103 vreo 2 miliarde de dolari \u0219i ceva. nvidia \u0219i restul gigan\u021bilor din spatele lui sunt cu banii pe mas\u0103. S\u0103 fac\u0103 \u201dmatching contributions\u201d – ca la pensii, dar pentru copii. Adic\u0103 pui 1000 \u00een contul de investi\u021bii pentru copil, pune \u0219i angajatorul – sigur, suma aia e salary sacrifice, dar tot scute\u0219ti 22% taxe din \u00eentreaga contribu\u021bie. <\/p>\n\n\n\n

\u0218i lec\u021bia de educa\u021bie financiar\u0103 de aici e enorm\u0103. Dac\u0103 fiecare p\u0103rinte pune 5000 pe an pentru copilul lui – l-a aranjat. Pl\u0103te\u0219te orice facultate, oric\u00e2t de scump\u0103. <\/p>\n\n\n\n

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

Sigur c\u0103 e o treab\u0103 de imagine, pentru c\u0103 ce fac \u0103\u0219tia acum e s\u0103 lupte cu presiunea pe retristribu\u021bia for\u021bat\u0103 a asseturilor, pus\u0103 de o mas\u0103 de s\u0103raci decapitaliza\u021bi, care normal c\u0103 nu pot aprecia capitalismul , din pozi\u021bia lor.
Iar pentru ei, asta e Red Scare 2.0
Cele mai ale dracului respecte. Dac\u0103 a\u0219 fi t\u00e2n\u0103r \u0219i a\u0219 avea viz\u0103 de state, cu toat\u0103 antipatia pentru sistemul \u0103la, cu toat\u0103 sperietoarea de-acuma, m\u00e2ine m-a\u0219 \u00eenfiin\u021ba la \u0103ia cu so\u021bia \u0219i a\u0219 turna copii.
\u201dCifrele vorbe\u0219te<\/em>\u201d \u0219i \u201d\u0103\u0219tia ie <\/em>banii\u201d. <\/p>\n","protected":false},"excerpt":{"rendered":"

C\u00e2ndva statul rom\u00e2n a \u00eenfiin\u021bat contul junior centenar cu care i-a luat fa\u021ba lui Trump, nici nu se g\u00e2ndea el la asta. Din p\u0103cate romulanii…<\/p>\n","protected":false},"author":2,"featured_media":35144,"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":[3499,170],"tags":[7018,7016],"class_list":["post-35136","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-politice","tag-conturile-trump","tag-trumpisme"],"views":332,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/01\/trump-maga.webp","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-98I","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/35136","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=35136"}],"version-history":[{"count":4,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/35136\/revisions"}],"predecessor-version":[{"id":35148,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/35136\/revisions\/35148"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/35144"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=35136"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=35136"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=35136"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}