Pensii după model american în România. Câți bani câștigi cu 150 de lei puși deoparte pe lună

Romanians can now save for retirement through special investment accounts modeled after the American system, offering lower taxes than traditional investments. While potential returns may exceed those of existing pension pillars, risks are also present. Contributions are voluntary, and individuals bear the risk of losses. Starting early enhances growth potential, with 150 lei monthly potentially yielding around 500,000 lei in 35 years at a 10% return, though this is not guaranteed. The accounts provide tax advantages based on net or gross income, encouraging saving and investment. Unlike regular brokerage accounts, transactions are managed by authorized professionals, and there are concerns about market volatility and risks.