{"id":13814,"date":"2016-09-23T09:00:53","date_gmt":"2016-09-23T09:00:53","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/planurile-de-pensii-in-marea-britanie"},"modified":"2025-05-15T09:08:13","modified_gmt":"2025-05-15T09:08:13","slug":"planurile-de-pensii-marea-britanie","status":"publish","type":"post","link":"https:\/\/www.transfergo.com\/ro\/planurile-de-pensii-marea-britanie","title":{"rendered":"Planurile de pensii \u00een Marea Britanie"},"content":{"rendered":"\n<p>Exist\u0103 pu\u021bine garan\u021bii \u00een via\u021b\u0103. Pentru mul\u021bi, b\u0103tr\u00e2ne\u021bea este una dintre ele, iar b\u0103tr\u00e2ne\u021bea f\u0103r\u0103 a avea necesarul pentru a supravie\u021bui, este o perspectiv\u0103 \u00eenfrico\u0219\u0103toare. Cel mai bun moment pentru a \u00eencepe preg\u0103tirea \u0219i de a g\u0103si cele mai bune modalit\u0103\u021bi de a v\u0103 cre\u0219te pensia, este atunci c\u00e2nd intra\u021bi pe pia\u021ba muncii &#8211; experien\u021ba ne \u00eenva\u021b\u0103 c\u0103 cu c\u00e2t a\u0219tept\u0103m mai mult, cu at\u00e2t este mai greu.<\/p>\n\n\n\n<p>Vestea bun\u0103 este c\u0103 ave\u021bi toate \u0219ansele de a v\u0103 maximiza veniturile de pensionare, dac\u0103 v\u0103 uita\u021bi la op\u021biunile disponibile pentru dumneavoastr\u0103.<\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Unii oameni au experien\u021b\u0103 \u00een alegerea propriului lor instrument&nbsp;de investi\u021bii. Ei dob\u00e2ndesc cuno\u0219tin\u021be din studierea pie\u021belor financiare, urm\u0103resc pia\u021ba imobiliar\u0103 \u0219i, \u00een timp, simt c\u0103 \u0219tiu c\u00e2nd ar trebui s\u0103 cumpere sau s\u0103 v\u00e2nd\u0103 &#8211; profiturile sunt de multe ori re-investite fie \u00een propriet\u0103\u021bi fie \u00een alte proiecte. Unii sunt dispu\u0219i s\u0103 mearg\u0103 mai departe \u0219i s\u0103 \u00ee\u0219i \u00eencerce \u00eendem\u00e2narea \u00een titluri \u0219i ac\u021biuni. Toate aceste op\u021biuni au un grad de risc mai mare dec\u00e2t fondul de pensii cu care majoritatea oamenilor sunt familiariza\u021bi.<\/span><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Cuprins<\/h2><nav><ul><li class=\"\"><a href=\"#pensii\">Pensii<\/a><\/li><li class=\"\"><a href=\"#angajatul-companiei\">Angajatul companiei<\/a><\/li><li class=\"\"><a href=\"#cei-care-desfa\u0219oara-activita\u021bi-independente\">Cei care desf\u0103\u0219oar\u0103 activit\u0103\u021bi independente <\/a><\/li><li class=\"\"><a href=\"#alte-op\u021biuni\">ALTE OP\u021aIUNI<\/a><\/li><li class=\"\"><a href=\"#preocupari\">PREOCUP\u0102RI<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pensii\"><span style=\"font-weight: 400\">Pensii<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Una dintre metodele pe care cele mai multe persoane se bazeaz\u0103 este un<strong> fond de pensii<\/strong> &#8211; unii \u00eenc\u0103 cred c\u0103 cel mai bine este de a investi \u00eentr-un fond de pensii combinat cu alte metode. Examin\u00e2nd structura de pensii din Marea Britanie, este clar c\u0103, \u00een termeni generali, exist\u0103 dou\u0103 categorii principale: Pensiile pentru cei care lucreaz\u0103 pentru o companie \u0219i a celor care desf\u0103\u0219oar\u0103 activit\u0103\u021bi independente.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Unul dintre marile avantaje ale pensiei este <strong>avantajul<\/strong> fiscal pentru individ. Primi\u021bi \u00eenapoi impozitul pe suma care intr\u0103 \u00een fond, iar c\u00e2\u0219tigurile sunt \u00een mare parte scutite de taxe. Un mare plus este taxa de 20% de la guvern, care intr\u0103 automat \u00een rezerva de pensii (suma total\u0103 care constituie baza fondului dvs. de pensii). <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Este \u00eentotdeauna o idee bun\u0103 s\u0103 pune\u021bi c\u00e2t mai mul\u021bi bani pute\u021bi \u00eentr-un fond de pensii, dar dac\u0103 ave\u021bi de pl\u0103tit o datorie, \u00eencerca\u021bi \u0219i rezolva\u021bi asta mai \u00eent\u00e2i. Este logic c\u0103, cu c\u00e2t contribui\u021bi mai mult la un fond de pensii cu at\u00e2t mai c\u00e2\u0219tigat ve\u021bi fi la pensie. De asemenea, dac\u0103 este posibil, majora\u021bi pl\u0103\u021bile at\u00e2t c\u00e2t circumstan\u021bele o permit, mai ales atunci c\u00e2nd salariul dvs. cre\u0219te &#8211; rezultatul final va fi \u00een beneficiul dvs..<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"angajatul-companiei\"><span style=\"font-weight: 400\">Angajatul companiei<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">\u00cen cazul \u00een care sunte\u021bi angajat \u00een Marea Britanie, guvernul va contribui la fondul dvs., iar angajatorul poate fi de asemenea, obligat s\u0103 contribuie.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\"> Nu toate companiile au un sistem de pensii pentru angaja\u021bii lor, dar <strong>\u00eencep\u00e2nd cu anul 2018<\/strong>, fiecare companie care angajeaz\u0103 persoane va fi obligat\u0103 de c\u0103tre guvern s\u0103 contribuie la pensiile de la locul de munc\u0103. Aceasta se nume\u0219te auto-\u00eenscriere &#8211; este alegerea individului s\u0103 refuze schema de pensii a companiei sale; cu toate acestea, fiecare trebuie s\u0103 se g\u00e2ndeasc\u0103 cu aten\u021bie \u00eenainte de a decide s\u0103 nu se al\u0103ture, \u00een condi\u021biile \u00een care angajatorul poate contribui la \u00eentreag\u0103 dvs. gam\u0103 de beneficii, ca parte a pachetului complet de remunerare. Aminti\u021bi-v\u0103 de asemenea c\u0103 ve\u021bi culege beneficiile fiscale asupra contribu\u021biei angajatorului dumneavoastr\u0103. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">\u00cen momentul pension\u0103rii, de la v\u00e2rsta de <strong>55 de ani<\/strong>, pute\u021bi retrage <strong>25%<\/strong> ca sum\u0103 forfetar\u0103 scutit\u0103 de taxe din a\u0219a numit\u0103 rezerv\u0103 de pensie; restul va fi p\u0103strat pentru a v\u0103 oferi un venit pentru tot restul vie\u021bii. Sau pute\u021bi investi banii cu o companie de asigur\u0103ri &#8211; aceasta se nume\u0219te o rent\u0103. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Acest lucru depinde de dvs. \u2013 dvs. decide\u021bi cum dori\u021bi s\u0103 cheltui\u021bi cei 25%. Sunte\u021bi de asemenea liber s\u0103 lua\u021bi mai mult de 25%, dar ve\u021bi fi impozitat pe rata marginal\u0103 pentru orice retragere mai mare. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Exper\u021bii fiscali \u0219i de pensii v\u0103 vor sf\u0103tui c\u0103 este mai bine fie s\u0103 l\u0103sa\u021bi cei 25% \u00een fondul de pensii fie s\u0103 cump\u0103ra\u021bi o rent\u0103 sau chiar un produs flexibil care s\u0103 v\u0103 permit\u0103 s\u0103 retrage\u021bi veniturile ob\u021binute, l\u0103s\u00e2nd restul sumei investite pentru a v\u0103 aduce beneficii viitoare. <\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cei-care-desfa\u0219oara-activita\u021bi-independente\"><span style=\"font-weight: 400\">Cei care desf\u0103\u0219oar\u0103 activit\u0103\u021bi independente <\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Spre deosebire de pensia oferit\u0103 de companie, cei care desf\u0103\u0219oar\u0103 activit\u0103\u021bi independente (sau cei care nu doresc s\u0103 fac\u0103 parte dintr-o schem\u0103 a unei companii) trebuie s\u0103 se descurce pe cont propriu. \u00cen cazul \u00een care v\u0103 sim\u021bi\u021bi suficient de \u00eencrez\u0103tori \u00een op\u021biunile dvs., ve\u021bi prospecta op\u021biunile pie\u021bei \u0219i ve\u021bi decide cine v\u0103 ofer\u0103 cea mai bun\u0103 afacere. Pentru cei mai mul\u021bi ar fi recomandat s\u0103 vorbeasc\u0103 cu un consilier financiar independent (CFI), chiar dac\u0103 vor fi taxa\u021bi pentru acest serviciu. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">De asemenea, asigura\u021bi-v\u0103 c\u0103 CFI se uit\u0103 la cele mai bune op\u021biuni pentru circumstan\u021bele dumneavoastr\u0103. L\u0103sa\u021bi-l \/ o s\u0103 v\u0103 arate cele mai adecvate variante. <\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"alte-op\u021biuni\"><span style=\"font-weight: 400\">ALTE OP\u021aIUNI<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\"><strong>Economii Lifetime CEI<\/strong> (Cont de economii individual) este un alt mod excelent de a v\u0103 cre\u0219te (f\u0103r\u0103 a \u00eenlocui) pensia \u0219i va fi disponibil \u00eencep\u00e2nd cu luna aprilie 2017, pentru cei sub 40 de ani. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Un mare stimulent este procentul de 25%, care va fi ad\u0103ugat de c\u0103tre stat peste ceea ce economisi\u021bi! De la v\u00e2rsta de 60 de ani, pute\u021bi accesa banii din economiile dvs. f\u0103r\u0103 taxe. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">De asemenea, este bine de \u0219tiut c\u0103, \u00een caz de faliment, pensiile au avantaje fa\u021b\u0103 de un CEI. \u00centr-un astfel de caz, rezervele de pensii nu sunt considerate bog\u0103\u021bie \u0219i nu v\u0103 vor \u00eempiedica s\u0103 solicita\u021bi beneficii &#8211; un CEI, pe de alt\u0103 parte, este privit ca avere personal\u0103 \u0219i va reduce beneficiile pe care le pute\u021bi solicita. <\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"preocupari\"><span style=\"font-weight: 400\">PREOCUP\u0102RI<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">A\u0219a cum am spus mai devreme, nu exist\u0103 garan\u021bii absolute, dar fi\u021bi con\u0219tien\u021bi de investi\u021biile bazate pe risc: \u00cen cazul \u00een care societ\u0103\u021bile de investi\u021bii se pr\u0103bu\u0219esc, riscul de a pierde este mai mare dec\u00e2t ar fi, de exemplu, \u00een cazul unui fond de pensii. \u00cen anumite cazuri, Fondul Guvernului pentru Protec\u021bia Pensiilor poate, sub rezerva anumitor limite, s\u0103 pl\u0103teasc\u0103 unele compensa\u021bii. Este FOARTE IMPORTANT s\u0103 consulta\u021bi \u00eentotdeauna furnizorul de pensii \u0219i de investi\u021bii, deoarece protec\u021bia pensiilor este un subiect extrem de complex.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\"> A\u0219a c\u0103, \u00eenainte de a lua o decizie final\u0103, asigura\u021bi-v\u0103 c\u0103 ave\u021bi toate informa\u021biile la dispozi\u021bia dumneavoastr\u0103.<\/span><\/p>\n\n\n\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Exist\u0103 pu\u021bine garan\u021bii \u00een via\u021b\u0103. Pentru mul\u021bi, b\u0103tr\u00e2ne\u021bea este una dintre ele, iar b\u0103tr\u00e2ne\u021bea f\u0103r\u0103 a avea necesarul pentru a supravie\u021bui, este o perspectiv\u0103 \u00eenfrico\u0219\u0103toare. Cel mai bun moment pentru a \u00eencepe preg\u0103tirea \u0219i de a g\u0103si cele mai bune modalit\u0103\u021bi de a v\u0103 cre\u0219te pensia, este atunci c\u00e2nd intra\u021bi pe pia\u021ba muncii &#8211; experien\u021ba [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13815,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1322],"tags":[],"business_case_studies_tags":[],"class_list":["post-13814","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-viata-in-strainatate"],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/transfergo.com\/ro\/planurile-de-pensii-marea-britanie","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Planurile de pensii \u00een Marea Britanie","url":"http:\/\/www.transfergo.com\/ro\/planurile-de-pensii-marea-britanie","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.transfergo.com\/ro\/planurile-de-pensii-marea-britanie"},"thumbnailUrl":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/Its_all_about_love.jpg?resize=150,150","image":{"@type":"ImageObject","url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/Its_all_about_love.jpg"},"articleSection":"Via\u021ba \u00een str\u0103in\u0103tate","author":[{"@type":"Person","name":"TransferGo Team"}],"creator":["TransferGo Team"],"publisher":{"@type":"Organization","name":"TransferGo","logo":""},"keywords":[],"dateCreated":"2016-09-23T09:00:53Z","datePublished":"2016-09-23T09:00:53Z","dateModified":"2025-05-15T09:08:13Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"Planurile de pensii \\u00een Marea Britanie\",\"url\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/planurile-de-pensii-marea-britanie\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/planurile-de-pensii-marea-britanie\"},\"thumbnailUrl\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/Its_all_about_love.jpg?resize=150,150\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/Its_all_about_love.jpg\"},\"articleSection\":\"Via\\u021ba \\u00een str\\u0103in\\u0103tate\",\"author\":[{\"@type\":\"Person\",\"name\":\"TransferGo Team\"}],\"creator\":[\"TransferGo Team\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"TransferGo\",\"logo\":\"\"},\"keywords\":[],\"dateCreated\":\"2016-09-23T09:00:53Z\",\"datePublished\":\"2016-09-23T09:00:53Z\",\"dateModified\":\"2025-05-15T09:08:13Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/transfergo.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/Its_all_about_love.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/13814","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/comments?post=13814"}],"version-history":[{"count":1,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/13814\/revisions"}],"predecessor-version":[{"id":248606,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/13814\/revisions\/248606"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media\/13815"}],"wp:attachment":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media?parent=13814"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/categories?post=13814"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/tags?post=13814"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=13814"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}