{"id":5968,"date":"2019-03-23T17:11:29","date_gmt":"2019-03-23T15:11:29","guid":{"rendered":"https:\/\/businessexpress.ro\/?p=5968"},"modified":"2019-03-23T17:11:35","modified_gmt":"2019-03-23T15:11:35","slug":"la-ce-varsta-e-bine-sa-incepi-sa-economisesti-pentru-pensionare-si-cati-bani","status":"publish","type":"post","link":"https:\/\/businessexpress.ro\/ro\/la-ce-varsta-e-bine-sa-incepi-sa-economisesti-pentru-pensionare-si-cati-bani\/","title":{"rendered":"La ce v\u00e2rst\u0103 e bine s\u0103 \u00eencepi s\u0103 economise\u015fti pentru pensionare. \u015ei c\u00e2\u0163i bani"},"content":{"rendered":"<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"600\" height=\"314\" data-attachment-id=\"4446\" data-permalink=\"https:\/\/businessexpress.ro\/ro\/ordonanta-lacomiei-alunga-societatile-care-administreaza-pilonul-ii-din-romania\/b692a7cd-8fc9-45ef-9ccf-271f645ba073\/\" data-orig-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/B692A7CD-8FC9-45EF-9CCF-271F645BA073.jpeg?fit=600%2C314&amp;ssl=1\" data-orig-size=\"600,314\" data-comments-opened=\"0\" data-image-title=\"B692A7CD-8FC9-45EF-9CCF-271F645BA073\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/B692A7CD-8FC9-45EF-9CCF-271F645BA073.jpeg?fit=600%2C314&amp;ssl=1\" data-src=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/B692A7CD-8FC9-45EF-9CCF-271F645BA073.jpeg?resize=600%2C314&#038;ssl=1\" alt=\"\" class=\"wp-image-4446 lazyload\" data-srcset=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/B692A7CD-8FC9-45EF-9CCF-271F645BA073.jpeg?w=600&amp;ssl=1 600w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/B692A7CD-8FC9-45EF-9CCF-271F645BA073.jpeg?resize=300%2C157&amp;ssl=1 300w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/314;\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 vrei s\u0103 te retragi de pe pia\u0163a muncii \u00een jurul v\u00e2rstei de 65 de ani, ai face bine s\u0103 te g\u00e2nde\u015fti s\u0103 pui ni\u015fte bani deoparte, chiar dac\u0103 ai 25-30 de ani, iar b\u0103tr\u00e2ne\u0163ea \u0163i se pare o perioad\u0103 foarte \u00eendep\u0103rtat\u0103. Potrivit exper\u0163ilor consulta\u0163i de cnbc.com, dac\u0103 \u00eencepi s\u0103 economise\u015fti la 25 de ani, e suficient s\u0103 str\u00e2ngi c\u00e2te 10-17% din venitul t\u0103u lunar. Asta \u00eenseamn\u0103 c\u0103 la un salariu de 2.500 de lei, de exemplu, ar trebui s\u0103 pui deoparte cel pu\u0163in 250 de lei. Cu c\u00e2t \u00eenaintezi \u00een v\u00e2rst\u0103, va fi mai greu \u015fi mai mult de economisit. Dac\u0103 a\u015ftep\u0163i p\u00e2n\u0103 la 35 de ani, e nevoie de 15-20% din venitul lunar p\u00e2n\u0103 la 65 de ani. Cel pu\u0163in asta spun cercet\u0103torii de la Stanford, care au luat \u00een considerare major\u0103rile salariale de-a lungul anilor, dar \u015fi cre\u015fterea speran\u0163ei de via\u0163\u0103. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Realitatea crunt\u0103 e c\u0103 americanii cu v\u00e2rste \u00eentre 25-64 de ani contribuie doar cu 6-8% din venituri pentru perioada de dup\u0103 pensionare. Prin urmare, odat\u0103 ajun\u015fi la 65 de ani, fie aleg s\u0103 munceasc\u0103 \u00een continuare, fie se limiteaz\u0103 la un trai c\u00e2t mai auster la pensie. Ca s\u0103 nu ajung\u0103 \u00een asemenea situa\u0163ie, cercet\u0103torii \u00eei sf\u0103tuiesc pe tineri s\u0103 economiseasc\u0103 din timp, c\u00e2t pot ei de mult. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Dac\u0103 vrei s\u0103 te retragi de pe pia\u0163a muncii \u00een jurul v\u00e2rstei de 65 de ani, ai face bine s\u0103 te g\u00e2nde\u015fti s\u0103 pui ni\u015fte bani deoparte, chiar dac\u0103 ai 25-30 de ani, iar b\u0103tr\u00e2ne\u0163ea \u0163i se pare o perioad\u0103 foarte \u00eendep\u0103rtat\u0103. Potrivit exper\u0163ilor consulta\u0163i de cnbc.com, dac\u0103 \u00eencepi s\u0103 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4446,"comment_status":"closed","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,"wpzoom_is_breaking":1,"source_url":"","_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":[17],"tags":[],"class_list":["post-5968","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economic"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paH2fj-1yg","jetpack_featured_media_url":"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/B692A7CD-8FC9-45EF-9CCF-271F645BA073.jpeg?fit=600%2C314&ssl=1","_links":{"self":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/5968","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/comments?post=5968"}],"version-history":[{"count":1,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/5968\/revisions"}],"predecessor-version":[{"id":5974,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/5968\/revisions\/5974"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media\/4446"}],"wp:attachment":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media?parent=5968"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/categories?post=5968"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/tags?post=5968"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}