{"id":171780,"date":"2026-05-03T14:27:08","date_gmt":"2026-05-03T14:27:08","guid":{"rendered":"https:\/\/www.europesays.com\/ro\/171780\/"},"modified":"2026-05-03T14:27:08","modified_gmt":"2026-05-03T14:27:08","slug":"pensionarea-la-65-de-ani-ar-putea-fi-o-greseala-uriasa-avertismentul-unui-director-financiar","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ro\/171780\/","title":{"rendered":"Pensionarea la 65 de ani ar putea fi o gre\u0219eal\u0103 uria\u0219\u0103: avertismentul unui director financiar"},"content":{"rendered":"

\"Pensionarea<\/a><\/p>\n

Cuplu de pensionari FOTO Pixabay<\/p>\n

Pentru mul\u021bi oameni, 65 de ani este v\u00e2rsta standard la care \u00eencepe, \u00een sf\u00e2r\u0219it, libertatea. Unii cred \u00eens\u0103 c\u0103 acest reper este, de fapt, gre\u0219it.<\/p>\n

Un director financiar sus\u021bine c\u0103 nu banii sunt problema, ci un alt indicator ignorat de aproape toat\u0103 lumea \u2014 unul care poate schimba complet modul \u00een care ne g\u00e2ndim la pensionare, dup\u0103 cum a relatat \u00eentr-un artico publicat de yourtango.com.<\/a><\/p>\n

„\u00cen calitate de director financiar (CFO) \u0219i sus\u021bin\u0103tor de lung\u0103 durat\u0103 al mi\u0219c\u0103rii \u201eIndependen\u021b\u0103 Financiar\u0103, Pensionare Timpurie\u201d (FIRE), st\u00e2rnesc adesea opinii polarizate. Cei mai mul\u021bi oameni \u00ee\u0219i planific\u0103 pensionarea<\/a> \u00een jurul v\u00e2rstei la care pot, \u00een sf\u00e2r\u0219it, s\u0103 nu mai munceasc\u0103.<\/p>\n

\u00cens\u0103 exist\u0103 un alt num\u0103r care conteaz\u0103, de fapt, mai mult \u2014 \u0219i la care aproape nimeni nu este atent. Un num\u0103r care determin\u0103 dac\u0103 anii c\u00e2\u0219tiga\u021bi cu greu pentru pensie<\/a> vor fi petrecu\u021bi bucur\u00e2ndu-te de via\u021ba pe care \u021bi-ai construit-o sau alerg\u00e2nd de la o programare medical\u0103 la alta.<\/p>\n

Datele recente ale Organiza\u021biei Mondiale a S\u0103n\u0103t\u0103\u021bii \u00eenclin\u0103 \u00eens\u0103 puternic balan\u021ba \u00een favoarea pension\u0103rii mai devreme, nu mai t\u00e2rziu. Cifrele spun o poveste despre care mul\u021bi consultan\u021bi financiari nu vorbesc. Odat\u0103 ce observi tendin\u021ba, e greu s\u0103 o ignori.”<\/p>\n

Totul \u021bine de un singur num\u0103r crucial<\/p>\n

„Pensionarea la 65 de ani ar putea fi o mare gre\u0219eal\u0103, iar totul \u021bine de un singur num\u0103r crucial: speran\u021ba de via\u021b\u0103 s\u0103n\u0103toas\u0103.<\/p>\n

Nu m\u0103 refer nici m\u0103car la tendin\u021ba descendent\u0103 a speran\u021bei de via\u021b\u0103, care este \u00een sine \u00eengrijor\u0103toare. M\u0103 refer la sc\u0103derea speran\u021bei de via\u021b\u0103 s\u0103n\u0103toas\u0103.”<\/p>\n

Care este diferen\u021ba dintre speran\u021ba de via\u021b\u0103 \u0219i speran\u021ba de via\u021b\u0103 s\u0103n\u0103toas\u0103?<\/p>\n

Defini\u021bia este preluat\u0103 direct de la OMS: \u201eSperan\u021ba de via\u021b\u0103 se refer\u0103 la num\u0103rul de ani pe care o persoan\u0103 se poate a\u0219tepta s\u0103 \u00eei tr\u0103iasc\u0103. Este un indicator important pentru evaluarea st\u0103rii de s\u0103n\u0103tate a unei popula\u021bii \u0219i este utilizat pentru a orienta politicile \u0219i ini\u021biativele de s\u0103n\u0103tate care influen\u021beaz\u0103 via\u021ba de zi cu zi.<\/p>\n

Speran\u021ba de via\u021b\u0103 la na\u0219tere este num\u0103rul mediu de ani pe care un nou-n\u0103scut se poate a\u0219tepta s\u0103 \u00eei tr\u0103iasc\u0103 (v\u00e2rsta medie la deces), \u00een timp ce speran\u021ba de via\u021b\u0103 s\u0103n\u0103toas\u0103 (HALE) la na\u0219tere reprezint\u0103 num\u0103rul mediu de ani pe care o persoan\u0103 se poate a\u0219tepta s\u0103 \u00eei tr\u0103iasc\u0103 \u00een stare deplin\u0103 de s\u0103n\u0103tate de la na\u0219tere. Aceast\u0103 m\u0103sur\u0103 ia \u00een considerare anii tr\u0103i\u021bi \u00eentr-o stare de s\u0103n\u0103tate mai pu\u021bin dec\u00e2t optim\u0103 din cauza bolilor \u0219i\/sau a accident\u0103rilor.\u201d \u2014 Organiza\u021bia Mondial\u0103 a S\u0103n\u0103t\u0103\u021bii<\/p>\n

Pe scurt, speran\u021ba de via\u021b\u0103 s\u0103n\u0103toas\u0103 reprezint\u0103 num\u0103rul total de ani \u00een care te po\u021bi a\u0219tepta s\u0103 tr\u0103ie\u0219ti \u201es\u0103n\u0103tos\u201d. B\u0103rbatul american mediu are o speran\u021b\u0103 de via\u021b\u0103 s\u0103n\u0103toas\u0103 de 62,8 ani. Femeia american\u0103 medie are o speran\u021b\u0103 de via\u021b\u0103 s\u0103n\u0103toas\u0103 de 65,1 ani.<\/p>\n

Dac\u0103 inten\u021bionezi s\u0103 te pensionezi la 65 de ani, statisticile sugereaz\u0103 c\u0103 este posibil s\u0103 te pensionezi deja bolnav \u0219i s\u0103 mori 12 ani mai t\u00e2rziu.<\/p>\n

Din punct de vedere biologic, femeile tind s\u0103 tr\u0103iasc\u0103 mai mult dec\u00e2t b\u0103rba\u021bii. Statisticile pentru femei sunt la fel de sumbre: o femeie care se pensioneaz\u0103 la 65 de ani intr\u0103 direct \u00eentr-o perioad\u0103 marcat\u0103 de probleme de s\u0103n\u0103tate, departe de a\u0219a-numi\u021bii \u201eani de aur\u201d.<\/p>\n

Cercet\u0103rile au ar\u0103tat c\u0103, de\u0219i nu s-a identificat o corela\u021bie \u00eentre pensionarea timpurie \u0219i riscul de mortalitate, pensionarea la termen a fost asociat\u0103 cu un risc mai mare de deces.<\/p>\n

Aceast\u0103 asociere contrazice a\u0219a-numitul \u201eefect al muncii s\u0103n\u0103toase\u201d, care reflect\u0103 tendin\u021ba<\/a> constant\u0103 a persoanelor angajate activ de a avea o mortalitate mai sc\u0103zut\u0103.”<\/p>\n

Cum s\u0103 te asiguri c\u0103 ai cele mai mari \u0219anse s\u0103 te bucuri cu adev\u0103rat de anii de pensie<\/p>\n

Cercet\u0103torii care au studiat efectele pension\u0103rii au constatat c\u0103 mul\u021bi oameni \u00ee\u0219i pierd obiectivele \u0219i structura pe care le oferea locul de munc\u0103 atunci c\u00e2nd \u00eenceteaz\u0103 s\u0103 mai lucreze. De aceea, este \u00een\u021belept s\u0103 te g\u00e2nde\u0219ti din timp cum \u00ee\u021bi vei ocupa zilele \u0219i ce va \u00eenlocui munca (hobby-uri, cluburi sociale, voluntariat sau pur \u0219i simplu relaxare) dup\u0103 pensionare.<\/p>\n

Exist\u0103 c\u00e2teva lucruri pe care le po\u021bi face pentru a-\u021bi cre\u0219te \u0219ansele de a avea ani de pensie s\u0103n\u0103to\u0219i: redu consumul de alimente procesate (pe c\u00e2t posibil), f\u0103 mai mult\u0103 mi\u0219care \u0219i men\u021bine o greutate s\u0103n\u0103toas\u0103. Solu\u021biile sunt simple.<\/p>\n

\u00cen ansamblu, cercet\u0103torii au concluzionat c\u0103 pensionarea \u2014 fie ea timpurie, la termen sau \u00eent\u00e2rziat\u0103 \u2014 este un motiv de celebrare, nu de team\u0103. Ideea principal\u0103 este c\u0103 v\u00e2rsta standard de pensionare a fost stabilit\u0103 \u00eentr-o perioad\u0103 \u00een care \u201esperan\u021ba de via\u021b\u0103 s\u0103n\u0103toas\u0103\u201d nu era un indicator urm\u0103rit.<\/p>\n

„Acum c\u0103 avem datele, ar trebui s\u0103 ne \u00eentreb\u0103m nu dac\u0103 ne permitem s\u0103 nu mai muncim, ci dac\u0103 ne permitem s\u0103 \u00eencepem s\u0103 tr\u0103im. R\u0103spunsul poate fi diferit pentru fiecare, dar cel mai probabil va fi mult mai devreme de 65 de ani.”<\/p>\n

\u021ai-a pl\u0103cut articolul?<\/p>\n

Vrem s\u0103 producem mai multe, \u00eens\u0103 avem nevoie de sus\u021binerea ta. Orice dona\u021bie conteaz\u0103 pentru jurnalismul independent <\/p>\n","protected":false},"excerpt":{"rendered":"Cuplu de pensionari FOTO Pixabay Pentru mul\u021bi oameni, 65 de ani este v\u00e2rsta standard la care \u00eencepe, \u00een…\n","protected":false},"author":2,"featured_media":171781,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[1418,32,33,31,2805,36,37,27,74,34,35,25,3573,41,40,38,39,26,28,29,30,3574,71,72,73],"class_list":{"0":"post-171780","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-international","8":"tag-avertisment","9":"tag-breaking-news","10":"tag-breakingnews","11":"tag-cele-mai-populare-subiecte","12":"tag-director","13":"tag-featured-news","14":"tag-featurednews","15":"tag-headlines","16":"tag-international","17":"tag-latest-news","18":"tag-latestnews","19":"tag-news","20":"tag-pensionare","21":"tag-ro","22":"tag-romana","23":"tag-romania","24":"tag-romanian","25":"tag-stiri","26":"tag-titluri","27":"tag-top-stories","28":"tag-topstories","29":"tag-varsta","30":"tag-world","31":"tag-world-news","32":"tag-worldnews"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ro\/116511116298297262","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts\/171780","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/comments?post=171780"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts\/171780\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/media\/171781"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/media?parent=171780"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/categories?post=171780"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/tags?post=171780"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}