{"id":672149,"date":"2026-01-19T06:57:03","date_gmt":"2026-01-19T06:57:03","guid":{"rendered":"https:\/\/microscopemedia.com\/?p=672149"},"modified":"2026-01-19T06:57:03","modified_gmt":"2026-01-19T06:57:03","slug":"pilonul-3-de-pensii-facultative-randament-record-de-196-in-2025","status":"publish","type":"post","link":"https:\/\/microscopemedia.com\/?p=672149","title":{"rendered":"Pilonul 3 de pensii facultative, randament record de 19,6% \u00een 2025"},"content":{"rendered":"<div><img decoding=\"async\" src=\"https:\/\/microscopemedia.com\/wp-content\/uploads\/2026\/01\/pilonul-3-de-pensii-facultative-randament-record-de-196-in-2025.jpg\" class=\"ff-og-image-inserted\"><\/div>\n<p id=\"p-0\">Cele 10 fonduri de pensii private facultative (Pilonul 3) au \u00eenregistrat \u00een 2025 cel mai bun randament investi\u021bional din istoria de aproape 19 ani a sistemului: 19,6%, ajung\u00e2nd s\u0103 administreze active nete \u00een valoare de 7,4 miliarde de lei, \u00een cre\u0219tere cu 33% fa\u021b\u0103 de finele lui 2024, potrivit calculelor APAPR.<\/p>\n<p id=\"p-1\">Un num\u0103r record de 183.000 de rom\u00e2ni au \u00eenceput s\u0103 economiseasc\u0103 suplimentar pentru v\u00e2rsta<br \/>retragerii prin fondurile de pensii facultative \u00een 2025, cu 37% mai mul\u021bi dec\u00e2t \u00een 2024, anul<br \/>precedentului record.<\/p>\n<p id=\"p-2\">Astfel, la finele anului 2025 num\u0103rul total de rom\u00e2ni \u00eenscri\u0219i la Pilonul 3 de pensii facultative a ajuns pentru prima oar\u0103 la 1 milion. \u00cen cursul anului 2025, ace\u0219tia au virat c\u0103tre conturile personale din Pilonul 3 contribu\u021bii \u00een valoare total\u0103 de cca. 940 de milioane de lei, cu 25% mai mult dec\u00e2t \u00een 2024.<\/p>\n<h2 id=\"chapter-0\">Randament mediu anual de 6,7%<\/h2>\n<p id=\"p-3\">Asocia\u021bia arat\u0103 c\u0103, pe \u00eentreaga durat\u0103 de func\u021bionare (2007-2025), fondurile de pensii facultative au generat un randament mediu anual de 6,7%, comparativ cu o rat\u0103 medie anual\u0103 a infla\u021biei de 4,9%.<\/p>\n<p id=\"p-4\">\u00cen termeni monetari, Pilonul 3 a generat un c\u00e2\u0219tig pentru participan\u021bi \u00een valoare de 2,6 miliarde de lei, net de toate comisioanele, \u00een plus fa\u021b\u0103 de contribu\u021biile primite \u00een administrare.<\/p>\n<p id=\"p-5\">La Pilonul 3 de pensii facultative pot contribui to\u021bi rom\u00e2nii care \u00eenregistreaz\u0103 venituri de natur\u0103<br \/>profesional\u0103 (salaria\u021bi \u0219i cei cu activit\u0103\u021bi independente, asimila\u021bi salaria\u021bilor), dar \u0219i angajatorii, care pot oferi contribu\u021bii suplimentare la Pilonul 3 \u00een numele salaria\u021bilor, ca parte a pachetului de beneficii extra-salariale.<\/p>\n<p id=\"p-6\">Participan\u021bii la Pilonul 3 \u00ee\u0219i pot retrage banii acumula\u021bi oric\u00e2nd dup\u0103 \u00eemplinirea v\u00e2rstei de 60 de ani, ei put\u00e2nd de asemenea s\u0103 continue s\u0103 contribuie \u0219i dup\u0103 aceast\u0103 v\u00e2rst\u0103. \u00cen cazul nefericit al decesului participantului, banii acumula\u021bi \u00een Pilonul 3 revin mo\u0219tenitorilor legali sau testamentari.<\/p>\n<h2 id=\"chapter-1\">Pl\u0103\u021bi de 272 milioane de lei \u00een 2025<\/h2>\n<p id=\"p-7\">APAPR aminte\u0219te c\u0103 noua lege de plat\u0103 a pensiilor private (Legea 2\/2026) va intra \u00een vigoare abia pe 5 ianuarie 2027, p\u00e2n\u0103 atunci aplicandu-se \u00een continuare normele tranzitorii ce permit at\u00e2t plata unic\u0103, c\u00e2t \u0219i plata e\u0219alonat\u0103 pe maxim 5 ani.<\/p>\n<p id=\"p-8\">De altfel, cele 10 fonduri de pensii facultative au f\u0103cut \u00een 2025 pl\u0103\u021bi \u00een valoare de cca. 272 milioane de lei (+83% fa\u021b\u0103 de 2024) c\u0103tre 16.100 de beneficiari (+39% fa\u021b\u0103 de 2024). Pl\u0103\u021bile totale realizate de Pilonul 3 pe \u00eentreaga durata de func\u021bionare (2007-2025) au atins 1,05 miliarde de lei c\u0103tre cca. 107.000 de beneficiari.<\/p>\n<p id=\"p-9\">\u00cen prezent, contribu\u021biile la Pilonul 3 sunt deductibile \u00een limita a 400 EUR\/an pentru persoane fizice \u0219i angajatori, ceea ce face ca sumele virate de fiecare participant s\u0103 fie de aproape trei ori mai mici dec\u00e2t cele din Pilonul 2.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cele 10 fonduri de pensii private facultative (Pilonul 3) au \u00eenregistrat \u00een 2025 cel mai bun randament investi\u021bional din istoria de aproape 19 ani a sistemului: 19,6%, ajung\u00e2nd s\u0103 administreze &hellip; <a href=\"https:\/\/microscopemedia.com\/?p=672149\" class=\"more-link\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":672150,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"Default","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts\/672149"}],"collection":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=672149"}],"version-history":[{"count":0,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts\/672149\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/media\/672150"}],"wp:attachment":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=672149"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=672149"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=672149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}