I write the comment in the evening, it starts to shake Untold, the last evening, we love untold-wealth from rents, ride-sharing and food & drink, we do not know if the state makes money taxing them, but this is another story. ZF, if he will publish the comment, he will titrate me as an honorary advisor of the prime minister. I do not write the comment being the honorary counselor of the prime minister, he has no connection with the prime minister, he did not ask me to write it. I am Decretel, year 1, from 1967, on the date when I retire, in 2032 (if I get there …) I will be contributed for almost 40 years and 24 years since the law of pensions (I contributed a cart at CAS, so seriously, even a cart of money ….). After 2032, 3-4 million decree, will be a shock for the CAS. It is so serious that it has caught and it will be a shock for CAS. So, be careful here, simple mathematics. Gross salary of 10,000 lei per month – we make an abstraction of inflation, yields, salary increases, bonuses, indexations, etc. – 25% go to the CAS, 4.75% go to the private pension – Pillar 2, if you want to put up to 15% of the gross salary at the 3. Million of lei, of which the vast majority are in Pillar 1 (state pension) and about 50,000 lei are for pillar 2. There are 7 (seven) funds that manage private pensions, you are allowed to request the fund to which you want to go – so did you ask what fund to manage your pension? By the way, it is not as if the 1 million lei are yours, it is more complicated, they are monthly, annual, stability, etc., the contribution to pillar 2 is mandatory if you are under 35 years old and optional if you are 35-45 years old. It's complicated bad, it's not the three simple rule.The government is currently making a necessary repair, the pension law is rightly modified, the contribution is gradual, you have no way to take the money at once (That's why I said in the preamble that the prime minister did not ask me to write the comment). Take 12,500 lei from pillar 2, ie 25%, when you retire, and the rest over time. Plus what comes from pillar 1, plus what comes from pillar 3, if you have contributed there. You say pilot that at this moment in Pillar 2 there are 170 billion lei (assets, not cash) and that in Pillar 3 there are 6 billion. A little bit, what do you do, don't want private pensions? You say pilot that 66% of the money are invested in government securities and shares. Therefore, 1) the stronger the state (that's why I talk about industrialization and internationalization) and 2) the more the companies were made, the better the yields will be, the more money. Therefore, millennial dear and zoomer, the law that regulates the payment of private pensions is ok, communication is a disaster. Dear millennial and zoom, you do not have to be interested in these things with pensions, pillar 1, 2, 3, who will be, and that, one, because you are young and, two, because the money supplement from pensions and salaries of parents and grandparents, who tell you that in Ceausescu's time it was better – another communication. Dear millennial and zoom, you should not be interested. But be here what you need to know: 1) 3-4 million decree starts with 2032, it will be alas and bitter what effort will be on the pension funds, especially since the number of taxpayers decreases; 2) In order to receive a pension, you must contribute 35 years and, preferably, have a higher salary. And, in these 35 years, the funds that manage the pensions, which are near you, are extremely important, are like banks, if I know they have to do with the money, you win; 3) The average life of the decrees is under 80 years, in men probably under 80 years. Therefore, a decree receives a pension for about 15 years, after contributing 35 years – life is hard, we know this; 4) Millennials and zoomes, take revenge on the decree, make the hard life of the pension funds. Live 90-100-110 years, to collect more years than your parents and grandparents. Is it all clear now about pensions?
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