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Starting January 1, 2027, Romanians can save for retirement through tax-advantaged investment accounts. These accounts offer either tax exemption upon withdrawal or tax deductions at deposit, contingent on reaching age 65 or pension eligibility. The CEI-S account allows personal contributions with tax-free withdrawals, while the CEI-D account permits contributions from both the individual and employer, offering deductions at deposit but imposing a 10% tax on withdrawals. Employers' contributions are tax-exempt up to a limit of 33% of the base salary. Withdrawals can only occur after meeting age or pension conditions, and the accounts are designed for long-term savings, not immediate access to funds. Investment risks remain despite tax benefits, and accounts will be available through authorized banks and financial service companies.