{"id":259275,"date":"2026-08-12T00:43:12","date_gmt":"2026-08-12T00:43:12","guid":{"rendered":"https:\/\/www.europesays.com\/ro\/259275\/"},"modified":"2026-08-12T00:43:12","modified_gmt":"2026-08-12T00:43:12","slug":"pilonul-2-a-trecut-de-100-de-miliarde-de-lei-castig-cati-bani-sunt-de-fapt-in-conturile-romanilor","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ro\/259275\/","title":{"rendered":"Pilonul 2 a trecut de 100 de miliarde de lei c\u00e2\u0219tig. C\u00e2\u021bi bani sunt, de fapt, \u00een conturile rom\u00e2nilor"},"content":{"rendered":"<p>Fondurile de pensii private obligatorii au ajuns la active de 246,7 miliarde de lei la sf\u00e2r\u0219itul lunii iulie, iar c\u00e2\u0219tigul net acumulat pentru participan\u021bi a trecut, pentru prima dat\u0103, de 100 de miliarde de lei. Peste 350.000 de participan\u021bi \u0219i beneficiari au primit deja pl\u0103\u021bi \u00een valoare total\u0103 de 7,9 miliarde de lei.<\/p>\n<p> <img decoding=\"async\" src=\"https:\/\/www.europesays.com\/ro\/wp-content\/uploads\/2026\/08\/1786495392_3_index.jpeg\" alt=\"Fi\u015ficuri de monede pe care cresc plante l\u00e2ng\u0103 un borcan cu monede, suger\u00e2nd pensii private\" width=\"1333\" height=\"750\" loading=\"eager\" fetchpriority=\"high\" class=\"svelte-1kfbksm\"\/> <\/p>\n<p>C\u00e2\u015ftigurile din Pilonul 2 au dep\u0103\u015fit 100 de miliarde de lei. Foto arhiv\u0103<\/p>\n<p>publicitate&#8221;); background-position: center center; background-repeat: no-repeat;&#8221;&gt;<\/p>\n<p>Pentru prima dat\u0103 de la lansarea sistemului de pensii private obligatorii, <a href=\"https:\/\/adevarul.ro\/stiri-interne\/proiectul-privind-investitiile-fondurilor-de-2543685.html\" target=\"_blank\" rel=\"nofollow noopener\">c\u00e2\u0219tigul net ob\u021binut de fondurile de Pilon 2 <\/a>a dep\u0103\u0219it pragul de 100 de miliarde de lei.<\/p>\n<p>La finalul lunii iulie 2026, acesta a ajuns la 108,6 miliarde de lei, echivalentul a aproximativ 20,7 miliarde de euro, potrivit calculelor publicate de Asocia\u021bia pentru Pensiile Administrate Privat din Rom\u00e2nia.<\/p>\n<p>\u00cen aceea\u0219i perioad\u0103, activele nete administrate de fondurile de pensii private au ajuns la 246,7 miliarde de lei, aproximativ 47 de miliarde de euro.<\/p>\n<p>C\u00e2\u0219tigul de 108,6 miliarde de lei este distinct de valoarea total\u0103 a activelor administrate. APAPR \u00eel prezint\u0103 ca fiind c\u00e2\u0219tigul net ob\u021binut pentru participan\u021bi prin investi\u021biile realizate de fondurile de pensii.<\/p>\n<p> C\u00e2\u021bi rom\u00e2ni sunt \u00een Pilonul 2 <\/p>\n<p>La fondurile de pensii private obligatorii sunt \u00eenscri\u0219i aproximativ 8,5 milioane de participan\u021bi.<\/p>\n<p>Dintre ace\u0219tia, peste 4,6 milioane contribuie regulat, lun\u0103 de lun\u0103.<\/p>\n<p>Contribu\u021bia la Pilonul 2 este \u00een prezent de 4,75% din venitul brut \u0219i face parte din contribu\u021bia de asigur\u0103ri sociale de 25%.<\/p>\n<p>Banii sunt administra\u021bi de fondurile de pensii private \u0219i investi\u021bi \u00een instrumentele permise de legisla\u021bie.<\/p>\n<p> Peste 350.000 de persoane au primit deja bani <\/p>\n<p>Potrivit APAPR, fondurile de pensii private obligatorii au f\u0103cut p\u00e2n\u0103 acum pl\u0103\u021bi totale de 7,9 miliarde de lei c\u0103tre peste 350.000 de participan\u021bi \u0219i beneficiari.<\/p>\n<p>publicitate&#8221;); background-position: center center; background-repeat: no-repeat;&#8221;&gt;<\/p>\n<p>Pl\u0103\u021bile reprezint\u0103 o etap\u0103 diferit\u0103 fa\u021b\u0103 de perioada de acumulare a contribu\u021biilor.<\/p>\n<p>Datele furnizate de APAPR arat\u0103 c\u0103, dup\u0103 mai bine de 18 ani de func\u021bionare a sistemului, sute de mii de persoane au ajuns deja \u00een situa\u021bia de a primi sume din Pilonul 2.<\/p>\n<p> Unde sunt investi\u021bi banii <\/p>\n<p>Aproximativ 95% din activele fondurilor de pensii private sunt investite \u00een Rom\u00e2nia, potrivit APAPR.<\/p>\n<p>Circa dou\u0103 treimi din active sunt plasate \u00een titluri de stat, iar peste un sfert sunt investite \u00een companii listate la Bursa de Valori Bucure\u0219ti.<\/p>\n<p>Prin structura portofoliilor, fondurile de Pilon 2 sunt at\u00e2t investitori \u00een titluri emise de statul rom\u00e2n, c\u00e2t \u0219i investitori pe pia\u021ba de capital local\u0103.<\/p>\n<p> Ce reprezint\u0103 cele 246,7 miliarde de lei <\/p>\n<p>Cifra de 246,7 miliarde de lei reprezint\u0103 activele nete administrate de fondurile de pensii private obligatorii \u00een numele participan\u021bilor.<\/p>\n<p>Din aceast\u0103 sum\u0103, APAPR indic\u0103 un c\u00e2\u0219tig net acumulat de 108,6 miliarde de lei.<\/p>\n<p>Prin urmare, cele dou\u0103 cifre trebuie privite separat: 246,7 miliarde de lei reprezint\u0103 valoarea activelor nete administrate, \u00een timp ce 108,6 miliarde de lei reprezint\u0103 c\u00e2\u0219tigul net calculat de APAPR pentru participan\u021bi.<\/p>\n<p>publicitate&#8221;); background-position: center center; background-repeat: no-repeat;&#8221;&gt;<\/p>\n<p>Pilonul 2, dup\u0103 mai bine de 18 ani <\/p>\n<p>Sistemul de pensii private obligatorii func\u021bioneaz\u0103 \u00een Rom\u00e2nia de mai bine de 18 ani.<\/p>\n<p>\u00cen aceast\u0103 perioad\u0103, contribu\u021biile participan\u021bilor au fost investite de fondurile de pensii, iar activele administrate au crescut p\u00e2n\u0103 la nivelul actual de 246,7 miliarde de lei.<\/p>\n<p>\u00cen prezent, Pilonul 2 reprezint\u0103 unul dintre principalele mecanisme de economisire pe termen lung pentru popula\u021bie, potrivit APAPR.<\/p>\n<p>Pentru participan\u021bi, valoarea acumulat\u0103 \u00een cont este format\u0103 din contribu\u021biile virate \u0219i rezultatele investi\u021biilor fondului la care sunt \u00eenscri\u0219i.<\/p>\n<p> Cum verific\u0103 un participant c\u00e2t are acumulat <\/p>\n<p>Cei care nu \u0219tiu la ce fond de pensii contribuie pot folosi portalul Pilonul2.ro pentru a identifica fondul.<\/p>\n<p>Ulterior, pe site-ul administratorului, participantul \u00ee\u0219i poate deschide un cont online pentru a verifica suma acumulat\u0103, istoricul contribu\u021biilor \u0219i alte informa\u021bii despre propriul cont.<\/p>\n<p>La nivelul \u00eentregului sistem, <a href=\"https:\/\/adevarul.ro\/economie\/scadere-de-4percent-la-pilonul-2-in-luna-martie-de-ce-2519551.html\" target=\"_blank\" rel=\"nofollow noopener\">cifrele raportate la sf\u00e2r\u0219itul lunii iulie<\/a> sunt de 246,7 miliarde de lei active nete, 108,6 miliarde de lei c\u00e2\u0219tig net \u0219i 7,9 miliarde de lei pl\u0103\u021bi c\u0103tre peste 350.000 de participan\u021bi \u0219i beneficiari.<\/p>\n<p>publicitate&#8221;); background-position: center center; background-repeat: no-repeat;&#8221;&gt;<\/p>\n<p>\\n  const _iprc = performance.now();\\n\\u003C\/script>\\n\\n\\u003Cscript class=\\&#8221;optanon-category-C0004\\&#8221; type=\\&#8221;text\/plain\\&#8221;>\\nconsole.log(\\&#8221;*** cookieconsent done:\\&#8221;, Math.round(performance.now() &#8211; _iprc) \/ 1000);\\n  gtag(&#8216;event&#8217;, &#8216;cookieconsent&#8217;, {\\n    name: &#8216;load&#8217;,\\n    value: Math.round(performance.now() &#8211; _iprc) \/ 1000\\n  });\\n\\u003C\/script>\\n\\u003C!&#8211; END 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