{"id":38757,"date":"2026-11-09T10:17:14","date_gmt":"2026-11-09T10:17:14","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=38757"},"modified":"2026-11-09T10:17:30","modified_gmt":"2026-11-09T10:17:30","slug":"ai-bani-pusi-deoparte-schimba-i-in-euro","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=38757","title":{"rendered":"\u201dAi bani pu\u0219i deoparte?\u201d – schimb\u0103-i \u00een Euro."},"content":{"rendered":"
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Articolul este o reac\u021bie la promo\u021bia cu ultimele titluri de stat <\/a>– proferat\u0103 ( da, \u0219tiu ce \u00eenseamn\u0103 cuv\u00e2ntul) de Dan Popa ( economistul meu favorit, dup\u0103 Guda \u0219i Georgescu, sau cum \u00eel chema pe \u0103la – duduie, vreau s\u0103 zic bubuie) de la Ho\u021bnews. M\u0103 mir c\u0103 n-au pus aceast\u0103 scriitur\u0103 de valoare sub paywall – nu m\u0103 mir c\u0103 e promo\u021bie, nemarcat\u0103 corespunz\u0103tor, dar nu e nevoie c\u0103 se vede, sau ar trebui s\u0103-\u021bi dai seama.
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Deci Popa ne spune c\u0103 dac\u0103 ai bani pu\u0219i de-o parte, s\u0103-i dai la stat. Nu gratis c\u0103-\u021bi d\u0103 \u00eenapoi dob\u00e2nd\u0103.
Problema e c\u0103-i blochezi pe mai mult de un an \u0219i se pi\u0219\u0103 infla\u021bie pe ei \u0219i nu po\u021bi s\u0103 faci scheme de amortizare de vreun fel – de pild\u0103. Dac\u0103 titlurile \u0103stea ar fi la intervale mai scurte, ai putea schimba la momentul potrivit, dac\u0103 ai \u0219ti, sau presim\u021bi \u00een urin\u0103, sau ai avea \u201dinside intel\u201d c\u00e2nd se \u00eent\u00e2mpl\u0103 asta \u0219i schimba banii \u00een Euro fix \u00eenainte s\u0103 creasc\u0103 Euro, adic\u0103 s\u0103 se devalorizeze leul. Dar nu \u0219tii.

Ce se \u00eent\u00e2mpl\u0103 e ce se \u00eent\u00e2mple de 40 de ani \u00een Rom\u00e2nia, c\u0103 de aia nu trecem la euro, \u0103npulamea.
De exemplu, infla\u021bia YOY \u00een septembrie a fost mic\u0103 6.5%<\/a> – adic\u0103 cu c\u00e2t se \u00eemprumuta Rom\u00e2nia de la tine anterior, pe titlurile \u0103stea.
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\u0218i la euro infla\u021bia pentru octombrie a fost 4%<\/a>, la lei nu s-a anun\u021bat, stai s\u0103 se v\u00e2nd\u0103 titlurile \u0103lea mai int\u00e2i,
Posibil c\u0103 dac\u0103 ai bani pu\u0219i de-o parte ie\u0219i mai bine – nu garantez \u0219i nu dau sfapturi financiare – dar e mai probabil statistic, dac\u0103-i schimbi \u00een euro \u0219i investe\u0219ti tot in titluri de stat ( dac\u0103 ai \u00eencredere \u00een statul rom\u00e2n, nu e o invita\u021bie, e o proiec\u021bie statistic\u0103) \u00een Euro pe 3 sau 10 ani. <\/a> Sau dac\u0103 e\u0219ti donator e un chilipir cu o dob\u00e2nd\u0103 anualizat\u0103 cu 1% mai mare.
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Nu \u0219tiu c\u00e2t o s\u0103 fie infla\u021bia anual\u0103 la lei la finalul anului dar b\u0103nuiala mea e c\u0103 undeva peste 7%, anul trecut a fost peste 9%. <\/a> Anul trecut Popa prezenta titluri fidelis cu 6-6.5% dob\u00e2nd\u0103 anual\u0103.
De aia zic…

Trec\u00e2nd peste, mi se pare o glum\u0103 asta cu ratingul de \u021bar\u0103 al Rom\u00e2niei, care sanchi nu e junk.
Aici <\/a>e un tabel cu ratele dob\u00e2nzilor pentru \u021b\u0103ri din lume.
Ungaria, care nu e pe cai mai albi ( Fitch BBB, S&P BBB-) se \u00eemprumut\u0103 la 5.5%. Rom\u00e2nia e trecut\u0103 acolo la 6.5%, dar asta e rata veche a dob\u00e2nzii, acuma suntem , evident la 7.5%.
Zi, b\u0103, \u00een pula mea junk \u0219i gata. Dar NU, c\u0103 e folosit\u0103 poza asta ca marot\u0103 ca s\u0103 explice de ce trebuie crescute taxele \u0219i austeritate ( doar pentru populime, se \u0219tie ) – ca s\u0103 NU AJUNGEM la junk.
P\u0103i suntem acolo din majoritatea punctelor de vedere, doar eticheta spune altceva.
\u0218i cred c\u0103 e \u0219i o retoric\u0103 mai motivant\u0103 pentru restructurarea cheltuielilor, dac\u0103 o pui cinstit, la modul – b\u0103, am ajuns \u00een pula mea junk, hai s\u0103 ne ridic\u0103m de aici.
Doar c\u0103 dac\u0103 o pui a\u0219a, trebuie s\u0103 operezi pu\u021bin \u00een alte locuri, anume la cauza pentru care suntem junk. <\/p>\n\n\n\n

Iar Bolozaurul nu \u0219tia din \u0103stea, PSD cu at\u00e2t mai pu\u021bin.

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Articolul este o reac\u021bie la promo\u021bia cu ultimele titluri de stat – proferat\u0103 ( da, \u0219tiu ce \u00eenseamn\u0103 cuv\u00e2ntul) de Dan Popa ( economistul meu…<\/p>\n","protected":false},"author":2,"featured_media":17553,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_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},"jetpack_post_was_ever_published":false},"categories":[3499],"tags":[7042,870,7742,7741,7740],"class_list":["post-38757","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","tag-dan-popa","tag-economie","tag-junk","tag-ratele-dobanzilor","tag-titluri-de-stat-2026"],"views":107,"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-a57","jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2020\/05\/dolariisimarcile.jpg","_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/38757","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=38757"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/38757\/revisions"}],"predecessor-version":[{"id":38762,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/38757\/revisions\/38762"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/17553"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38757"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38757"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38757"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}