Contribui o viață la pensie. La ce vârstă începi să-ți recuperezi banii

A 25-year-old starting to work will contribute to the pension system for 39 years, recovering contributions only at 74. Early death means losses for the individual. For those retiring at 65, returns start at -41% and remain negative until 74, then slowly increase. Adjusted returns considering survival probabilities begin at -16% and turn positive around 72. Life expectancy varies significantly, with rural women living longer than rural men. The pension contribution is 25% of gross salary, with 20.25% going to the first pillar. A shift towards the second pillar could yield better returns.