asigurare pensie pensii private pensii facultative fond de pensii

The imbalance in the public pension system budget raises questions about its ability to provide the necessary comfort at the age of retirement. Fortunately for us all, since 2007, in Romania has been implemented the optional private pension system, to which we can contribute monthly up to 15% of the monthly salary.

Currently, there are 7 faculty private pension fund managers – Aegon Pensions, Allianz-Tiriac Private Pensions, BCR Pensii, BRD Pensions, Generali Pension Funds, Metropolitan Life Pensions and NN Pensions.

Joining a private pension fund is an individual option that will complete your earnings after retirement, and DESTINE BROKER INSURANCE-REINSURANCE can help you make appropriate choice for your financial future.

Accession criteria

In order to contribute to an optional private pension fund, you have to be employed and have not reached the age of retirement. You can contribute to a single private fund of optional pensions, up to a maximum of 15% of your monthly salary. Until retirement age, you must accrue at least 90 monthly contributions.

Advantages of optional pension

Financial Stability – Contributions to a private pension fund will increase your earnings on retirement. Every year, you receive, free of charge, an account statement with the centralized statement of your contributions.

Tax deductibility – Your contributions to the optional retirement fund are not taxable, up to € 400 per year of income tax.

Profitability – Your contributions to the optional private pension are invested by the fund manager into tools generating returns that are added to the amounts contributed. The investments of the managers of private optional pension funds are constantly monitored by the Financial Supervisory Authority.


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