alba24.ro/cum-se-modifica-modul-in-care-putem-stra

The new Law No. 202/2026 introduces special savings and investment accounts aimed at providing additional retirement income, with distinct tax benefits. Effective from January 1, 2027, these accounts include CEI-S, which offers tax exemptions on withdrawals, and CEI-D, which allows tax-deductible contributions but imposes a 10% tax on withdrawals. Individuals can open these accounts with authorized financial institutions, and investments are limited to non-speculative options. Withdrawals are permitted under specific conditions, primarily upon reaching retirement age or in cases of disability. The law aims to enhance personal savings for retirement while ensuring investor protection through regulatory oversight.